Product Details of the Kai-Zen®
Kai-Zen® is different because it uses which are paid into a unique life insurance policy. The policy has been designed to minimize costs, while helping to maximize your cash accumulation.
Leverage Provides More Protection & More Protential Growth
A cash value life insurance policy with accelerated benefit riders can provide death benefit and/or living benefits that may be tax-free in the event of:
(Cancer, Heart Attack, Stroke, etc.)
(Assistance with daily living, bathing, eating, dressing, transferring, etc.)
(May provide living benefits if death is expected within 12-24 months. Terms vary by insurance carrier and state.)
Potential cash value accumulation for lifestyle needs, such as, supplemental income as you age. Policy features include:
(Opportunity for interest credited based on a market index or a fixed rate))
(Having a 0% minimum interest rate protects against declines in an index)
Distributions (Access to cash value using policy loans and other distributions that may be income tax-free)
The first 5 years ( Year 1 – 5)
Participants will contribute a certain amount of money to the program, and the bank will also contribute a corresponding amount based on participant contribution.
The next 5 years (Year 6 – 10)
The bank will cover the entire amount, including both your contribution and the bank’s portion.
This is the period from the 11th to the 15th year, where using leverage Financial Leveraging OPM to maximize its benefits and generate significant returns. During this period, participants won’t need to contribute any additional funds to the program. And at the end of the 15th year, when the cash value of the KAIZEN program is sufficient, the program will automatically repay 100% of the borrowed money from the bank.
Your IUL insurance policy’s potential for growth is based on a market index like the S&P 500 or MSCI.
This unique crediting strategy provides your policy with a zero percent floor. If the index is positive, your IUL insurance policy is credited a portion of the growth based on the IUL insurance policy’s current interest rate caps and participation rates. If the index were to return a negative return, your policy would return zero percent, preventing your policy’s cash value from declining due to the policy’s crediting rate
The cap is the maximum earnings percent that will be credited
Kaizen program’s current cap is 12,5%
Once the change in the index is known, the current cap will be applied to calculate how much interest will be credited to the policy account value.
For example, if the index Growth is 20%, then caps record the participant’s interest rate as 12.5%.
The indexed strategy earnings are credited and locked in annually. Once interest is credited it can never be lost due to a decline in the index
Kai-Zen® Uses Leverage To Maximize Your Potential Growth
KAI-ZEN will be the representative to borrow capital from banks utilizing financial leverage to maximize the benefits for participants, and accumulate a significant amount for customers’ retirement age.
The bank will benefit from Kaizen with no risks – no capital risk, no market risk. Compared to lending to other individuals or organizations with high risks, Kaizen is a much safer and better choice
Kaizen has been through the most brutal economic tests to date, such as financial crises and a rapidly rising bank interest rates, to demonstrate that it is the best and safest choice that banks can opt for lending.
From there, participants can fully trust in the profit potential and safety that Kaizen brings.
45 Year Old Male Executive Standard Health
This is simulating the potential distributions you could receive in retirement, using financing to fund your life insurance policy, based on the insurance companies current illustrated returns.
This is simulating the potential distributions you could have received in retirement, if you used financing to fund your life insurance policy, during the highest borrowing rates in U.S. history (1980-1995).
This is simulating the potential distributions you could have received in retirement, if you used financing to fund your policy, during the worst market correction recorded in U.S. history. (The Great Depression 1930-1945)
Kai-Zen® utilizes leverage to maximize growth potential
How Kai-Zen® employs leverage is quite distinctive. The money contributed by customers into the program is matched by the bank in the first five years. Subsequently, the bank uses that amount as collateral to secure additional funds over the next 5 years. These funds are used to finance expenses within the life insurance contract.
Using Leverage Provides More Protection & More Potential Growth
By adding the bank’s contributions over a 10-year period, this policy will maximize higher growth, creating opportunities to take advantage of accumulating interest. In the 15th year, depending on the growth rate, the bank will repay the entire amount borrowed along with the policy’s interest. After the loan has been paid off, the policy will be released, and customers can receive annual distributions that will supplement their retirement fund. If a participant unfortunately passes away before the collateral assets are released, the bank will repay the outstanding debt before compensating the customer.
Kaizen unique design ensures safety for participants. Customers are not subjected to credit checks, do not need personal collateral, and do not have to pay annual interest because the individual participants are not borrowers; Kaizen takes responsibility for borrowing on behalf of customers.
Good health, non-smoker
Minimum income of $100,000
Age for participation is under 65 years old
