Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone.

Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset. By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house.

Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.