Do you make $200k or more as a household? Kai-Zen is a way for higher-income earners to save an appropriate amount for retirement without the limitations of government-regulated retirement plans. This program uses premium financing to fund a life insurance policy in the same way you may borrow money to buy a bigger home.

You may ask why a life insurance policy is used to fund retirement. The many benefits include:

·       All money in a life insurance policy is tax-free, like a Roth IRA.

·       No contribution limits like retirement plans.

·       No limitations on income like retirement plans.

·       Only committing to making 5 annual premium payments.

·       Don’t need to wait until 59.5 to take distributions.

·       No required minimum distributions.

·       Life insurance policy is guaranteed to never go down in value.

·       Policy is completely protected in a trust from creditors and litigation.

·       Plans have been stress-tested against The Great Depression Era returns and against high interest and inflation rates of the 1980s.