Many people look at Kai-Zen simply for the living benefits, such as the amazing tax-free retirement income potential. There is also a huge opportunity to use Kai-Zen to leave a legacy. If you have accumulated assets and are concerned about the tax consequences you will leave for your heirs, a conversation about Kai-Zen could be essential to your legacy plan.

For people concerned about the potential sunsetting of the estate tax exemption in 2026, this can be a tremendous way to leave your family a pool of tax-free money to offset the taxes they will be unfairly forced to pay. Others want to begin gifting their estate during their lifetime. Kai-Zen can be a favorable way to do just that.

Imagine leaving a pool of money for your heirs that will create a large amount of tax-free income when they choose to retire. This same policy would leave a substantial death benefit for the following generation too. With one Kai-Zen plan, it is possible to set up two generations of family members for life. When presented correctly, you have the opportunity to decide where your money will be available from the grave.