How It Works

Kai-Zen® was uniquely designed to combine the advantage of leverage with the cash accumulation features of index universal life (IUL) insurance. This enhances your potential for policy distributions, such as policy loans, to supplement your income, while also providing protections for you and your family.

ACHIEVING GROWTH

Your IUL insurance policy's potential for growth is based on a market index like the S&P 500 or MSCI.

The point-to-point strategy gives you the potential for growth based on a chosen index (i.e: S&P 500) and a set period of time (i.e: January 2018 to January 2019).

At the end of the period, 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. The annual interest amount credited to the IUL insurance policy is locked in annually, which protects any growth from losses due to market declines in future years.

IUL insurance policy minimum interest rates and interest rate caps vary by carrier and by state.

WE PUT THIS PLAN TO THE TEST.

No one knows what will happen in the future, but looking at the past uncovers some common patterns. Kai-Zen® has utilized these patterns to help you plan for the unknown.

Stress testing your designs through some of the harshest economic conditions to date allows us to implement a strategy to help protect against potential future economic hardships, and optimizes your chances for a more successful outcome.

GREAT DEPRESSION SCENARIO

1980’s HIGH INTEREST RATE SCENARIO

Normal Market Conditions

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.

1980s Interest Rates

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).

Great Depression Returns

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)