Kai-Zen Life Insurance Archives

Kai-Zen Life Insurance

Kai-Zen Life Insurance is a leveraged strategy that allows high-income earners to maximize their life insurance benefits while minimizing out-of-pocket costs. This unique approach uses third-party financing to fund Indexed Universal Life (IUL) policies, creating tax-free retirement income, cash value growth, and death benefit protection without requiring full premium payments upfront.

With Kai-Zen leveraged life insurance, policyholders can:
✅ Grow wealth tax-free while protecting their assets
✅ Use leverage to increase funding power for greater policy benefits
✅ Secure a retirement strategy that provides income without market volatility
✅ Access cash value for future financial needs

Whether you’re a business owner, high-income professional, or investor, Kai-Zen Life Insurance offers a powerful alternative to traditional retirement savings and investment strategies. Learn how leveraging life insurance can enhance your financial future while protecting your family and business.

➡ Explore the latest Kai-Zen life insurance insights, case studies, and expert strategies below.

New to Kai-Zen Life Insurance? Read this first.

How to Build Wealth with Life Insurance Plus Leverage

Why not give yourself a bigger retirement by using leverage with life insurance? Cash-value life insurance plus leverage can increase your cash flow during retirement free of income tax. This strategy builds significant cash value using life insurance coverage as an accumulation vehicle. We’ll show you how. Leverage leaves you with as much cash in…

Unused Annuity? How to Avoid Leaving Your Kids With the Taxes

Annuities are arguably the best way to create a stream of guaranteed retirement income that you cannot outlive. We help our clients use them in a comprehensive retirement plan that avoids the usual retirement risks. It’s a popular option, too, with an estimated $2.52 trillion of retirement assets held in annuities just in the United…

Protect Your Kids and Your Business – 3 Kai-Zen Case Studies

We have three Kai-Zen life insurance case studies here showing how business owners provided for their children through: This is part of our series on gifting leveraged life insurance to your children to give them tax-free income rather than leaving a later inheritance. For more details on the mechanics, read the main article on Life…

Gifting Kai-Zen – A High Earner Case Study

We work with a lot of folks who have set up one of these leveraged life insurance contracts, make their 5th and final premium payment, and then ask, “Now what?” Usually, it’s a physician or a well-compensated executive. They have a couple of options. They can have more than one plan. They’d set up a…

How A Couple Turned an Unneeded RMD Into Over $9 Million

In this case study for gifting a leveraged life insurance policy, we’re looking at how one couple took their required distributions from their retirement policies and found a tax-efficient way to gift it to their grandchildren. They chose this over the alternative of reinvesting and paying more taxes later. If you aren’t familiar with the…

Life Insurance Estate Planning – No Taxes & Financial Security

Between right now and 2045, economists estimate between $60 – $84 trillion will pass from Boomers to their children, mostly millennials. To set the stage for that, the Millennial generation only holds about 5% of the country’s wealth. In practical terms, this generation will go from survival mode to suddenly having a boatload of money. …

Does Kai-Zen Work When Interest Rates are Rising?

People have been asking if the Kai-Zen insurance strategy (indexed universal life insurance + leverage) will work when interest rates are rising. Rising interest rates is one of the risks with this type of leveraged wealth-building strategy. We will cover how interest rates affect investments, what banks look for and how Kai-Zen stands up in…