Efficient Generational Transfer of Wealth

Using Kai-Zen

What does your legacy look like?

What is your plan to efficiently transfer your lifetime accumulation of wealth to your next generations, your children and grandchildren, and help protect them from the burden of taxation?

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Physicians save more with Kai-Zen

Protecting your earnings is critical to insuring your ability to save for retirement. Due to contribution limitations, traditional retirement plans alone are typically insufficient for high income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.

Executives save more with Kai-Zen

Kai-Zen uses leverage to help you acquire more of the insurance benefits you need to help financially protect you and your family. Using your policy as the sole collateral for outside bank funding, Kai-Zen contributes more to your life insurance in order to give you greater potential for supplemental retirement income through the use of policy loans and withdrawals.

Kai-Zen

for Individuals

Client Profile:

Between 18-65 years old
Annual income of $100,000+
in good health
Able to pay contributions annually for five years.
Death Benefit requirement of at least $1.5 million.

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*PTR is an Independent Licensed Agent Representing NIW Companies, Inc., Creators of The Kai-Zen Plan

The Kai-Zen Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.