The Kaizen Tax-Free Retirement Planning Strategy

The Kaizen Tax-Free Retirement Planning strategy—also known as the Kai-Zen® Retirement Plan—is a unique financial solution designed primarily for high-income earners who want to grow retirement savings with tax advantages and added protection. Here's a breakdown:

What Is It?
• Type: Indexed Universal Life Insurance (IUL) policy.
• Purpose: Combines life insurance with premium financing to build tax-free retirement income.
• Created by: NIW Corp.

How It Works
• You contribute a set amount (typically $22,000/year for 5 years).
• A bank loan is used to leverage your contributions 3-to-1, meaning you get more money working for you upfront.
• The policy grows based on market indexes but has no downside risk due to a zero-floor feature.
• After 15+ years, you can access the cash value tax-free through policy loans or withdrawals.

Who Is It For?
• Individuals aged 18–65.
• Combined household income of $100,000+.
• In average or good health.
• Looking for long-term savings, tax-free retirement income, and life protection.

Benefits
• Tax-free distributions.
• No credit checks or personal guarantees.
• Protection against market declines.
• Death and living benefits (e.g., chronic or terminal illness coverage).
• Diversification from traditional retirement plans like 401(k)s or IRAs.

Considerations
• Requires long-term commitment and consistent contributions.
• The strategy depends on the policy performing well enough to repay the bank loan.
• Not suitable for everyone—especially those with limited income or short-term financial goals.

Would you like help evaluating whether this strategy fits your financial goals or comparing it to other retirement options?