When my partners and I started our business, we poured everything into it—our time, energy, and savings—thinking success would come quickly. But it took years of uncertainty before we finally reached financial stability. By then, we realized how far behind we were on retirement savings. The numbers were daunting—statistically, we’d need to live on our savings for 22+ years, requiring us to put away 30-40% of our income, which just wasn’t realistic with a mortgage, taxes, and kids. That’s when we started looking more closely at why our wealthy clients were using leverage & life insurance to build, preserve and transfer more of their wealth, and we asked ourselves: Why couldn’t we do the same? We knew life insurance was one of the safest assets for securing a loan, even more so than a house. So, we built a plan that used only what we were already willing to save and leveraged it in a way that minimized our lender risk while maximizing the policy potential cash accumulation. We ran stress tests, consulted CPAs and banks, and had life carriers verify its resilience—and when their results matched or exceeded ours, we knew we had something solid. Today, we have multiple Kai-Zen plans for ourselves, our children, our employees and even extended family. It has given us peace of mind knowing that no matter what happens in the future, we have a safety net in place—not just for us, but for generations of family.

Why Lenders Trust Kai-Zen Without The Need For Participants To Be Financially Underwritten For The Loan: Lenders make loans every day, and most of us have borrowed at some point. But what makes Kai-Zen’s loan structure unique is that it doesn’t require financial underwriting, personal guarantees, or participant loan documentation—which may seem too good to be true. The reason lenders confidently offer this type of loan is their deep understanding of the underlying asset—the IUL policy and the participant’s contributions—which secures the loan. Here’s what makes it so secure: Principal Protections - The IUL policy is designed to safeguard the lender’s funds. Client Contributions - These cover costs and add another layer of protection. Independent Oversight - A third-party trustee monitors the loan annually. Built for Stability - Kai-Zen is structured to withstand economic volatility, with ongoing optimization, monitoring, and servicing until the loan is fully repaid. Very few financial assets provide this level of lender confidence, making Kai-Zen a truly one-of-a-kind strategy.

While the life insurance carrier may have their own income or net worth qualifications the following is the minimum. Employer offering employee benefits: Employee income $100,000 (100% employer paid group plans could be lower. Contact your agent for more information) Individuals - Household income $200,000. Ages - 18-65. Health - Average or better (Some younger ages with below average health could be eligible. Contact your agent for assistance).

No. There is no loan application or loan underwriting. The loan is a commercial loan that is made to the Master Trust. Your 5 annual contributions and the policy are assigned to the lender and the sole collateral for the loan.