Save For A Tax-Free Retirement

This permanent life insurance policy offers a death benefit and a cash value component tied to the performance of a market index, such as the S&P 500.

Unlike direct stock market investments, your cash value grows with market gains while being shielded from losses. Flexible premium options let you adapt payments to your changing financial needs, and you can access your cash value when needed.

This strategy aligns with the "infinite banking concept," empowering you to effectively "be your own bank."

Why Haven’t You Heard About This From Your Financial Advisor?

Reason 1:

Many financial advisors are unaware of this account's existence or how to set it up correctly.

Reason 2:

Most advisors suggest financial products based on what their firm promotes or what earns them the most commission. This results in fewer than 0.07% of Americans having a "Tax-Free Retirement Account," while over half rely on taxable 401(k)s or similar tax-deferred accounts like Roth IRAs.

Go Further And Use Leverage
To Increase Your Tax-Free Income?

Explore a new way to save for the future. Receive a contribution match of up to 3:1 and the potential to accumulate additional cash without being exposed to market risks.

Do the following apply to you:

  • Make a household income of $100k+

  • Age 65 or under

  • In good health

Experience the Kai-Zen® strategy that offers 100% tax-free income plus death benefits by utilizing Indexed Universal Life (IUL). Start your new financial journey today!

The Kai-Zen® MYILIA® Platform

Experience it for yourself. MYILIA® is a Kai-Zen® exclusive, interactive platform designed for you to estimate your own benefits.

Use the MYILIA® Quick Results Estimator to run your own scenarios and estimate your potential financial outcome. Forget the hassle of going through an agent, having to talk to someone, or the back and forth of emails and get started on your own today!

The Issues With Tax-Deferred 401(k)s and IRAs:

  • High Taxes on Withdrawals:
    When you withdraw funds, you face taxes on the increased account value due to years of gains.

  • Limited Liquidity:
    Access to your money isn't immediate, and early withdrawals can incur substantial penalties.

  • Contribution Limits:
    Tax-advantaged plans often have strict limits on how much you can invest or contribute.

  • Investment Risk:
    The value of your account fluctuates with the market, potentially losing significant value in a down year.

  • IRS Reporting Requirements:
    Everything in a 401(k) or IRA is subject to IRS scrutiny, ensuring Uncle Sam gets his share.

  • Potential for Higher Future Taxes:
    With upcoming tax changes set to expire after 2025, future tax rates might rise significantly.

But There’s a Solution… Leveraged Indexed Universal Life

Imagine having a Tax-Free Retirement Account where your money, retirement savings, and peace of mind are all safeguarded.

  • No taxes on growth or principal – if account is set up per IRS tax code

  • Account guaranteed not to decrease in value – gain when market is up, no loss when down

  • Money is liquid – withdraw anytime without penalty, while still earning interest*

  • No IRS reporting required for withdrawals – not considered "income" by IRS

WHAT YOU MAY NOT KNOW ABOUT LIFE INSURANCE

Death Benefits Do Not Count As Income

Beneficiaries usually don't pay income tax on their received amount. Exceptions include transferring the death benefit or earning interest on it.

Some Policies Gain Cash Value

Lifetime life insurance policies, such as whole-life and universal, may offer a cash value you can tap into later as needed, allowing for withdrawals or loans.

You May Not Need A Medical Exam

Certain policies, like simplified issue coverage, skip medical exams. They rely on medical history questions, favorable for those with pre-existing conditions.

* You can borrow against your cash value through a policy loan or withdraw cash value

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