kai zen exec brochure

7/29/2019 Kai Zen EXEC Brochure

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What Youre Able to Aford is a Portion o What You Really Need

Financial security requires you have all o these critical building blocks.

A Kai-Zen Plan will help fll the gap!

Kai-Zen: Pre- and Post-Retirement Protection and Peace o Mind

A Kai-Zen Plan is the simplest way to gain more benefts plus greater savings!

Compare Kai-Zen to your

existing protection plans.

With Kai-Zen, your savings are

greater than 50% by combining our

contributions with yours, thereby

reeing up more o your money to put

to use elsewhere!

Compare Kai-Zen to your

existing retirement plans:

No other supplemental retirement plan

oers 100% matching contributions,

protects your investment regardless o

market conditions, and gives you

tax-ree distributions when needed.

$1,000,000+Death Benefit

$1,000,000Chronic Care1 Benefits

(Long Term Care)

$1,500,000Critical Illness2 Protection

$1,500,000Terminal Illness Protection

Protection

100% matchingcontributions

Market returns withno loss of principal

Tax deferred growth

Tax free distributionsExample:

Standard 45 year old male,$1 million policy

$71,000/Year from age 65-85

Liquid

Supplemental

Retirement Benefits

Health

Insurance

Health

Insurance401K401K Disability

Insurance

Long Term

Care

Life

Insurance

Additional

Retirement

Income

Disability

Insurance

Long Term

Care

Life

Insurance

Additional

Retirement

Income

You are most likelycontributing to these...

...and you probably know you needthese,but have not gotten them all fully covered.

Example: Standard Male, Age 45, Non-smoker

1 Chronic Care is defned as need o support with daily lie; bathing, eeding, walking, etc. 2 Critical Illness is defned as catastrophic illness such as stroke, heart attack, renal ailure, etc


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How a Kai-Zen Plan Works:

Compare Kai-Zen to Traditional Solutions

10

9

8

7

6

5

4

3

2

1

Y

E

A

R

S

YourPortion

BankPortion

E

N

R

O

L

L

E

D

$ 177,500*

$ 500,000TOTAL:

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 65K

$ 65K

$ 65K

$ 65K

$ 65K

$ 0

$ 0

$ 0

$ 0

$ 0

With a Kai-Zen Plan, there are NO loan documents

to sign, or obligations outside o the policy!

A Kai-Zen Plan is jointly unded by you and by bank

fnancing. This bank fnancing provides approximately

60-75% o the total contribution to the plan whichreduces costs and increases benefts ar beyond what

your contributions alone might achieve.

As a Kai-Zen Plan participant, you will own a segregated trust containing

your Kai-Zen policy. You make a contribution to this trust. Trusts are

then bundled (but NOT co-mingled) to leverage optimal loan pricing. The

contribution and the trust policy are the sole and only collateral or the

Kai-Zen Plan fnancing. There are no loan documents.

The cash growth, along with uture contributions (10 in total but only 5

by you) sustains the security o the loan and eventually pays o the loan

in ull. The result is a policy that has both a death beneft along with highly

valuable additional living benefts. Once the loan is paid o, benefts romthe tax deerred growth o the cash value or policy riders include:

n Cash to supplemental retirement income(For those at or below age 55)

n Cash for chronic care*(Assistance with bathing, dressing, eeding, etc.)

n Cash for critical care*(Heart attack, stroke, renal ailure, etc.)

n Cash in the event of a terminal illness*

*Through policy riders

$600K

45 48 51 54 57 60 63

AGE66 69 72 75 78 81 84

$500K

$400K

$300K

COST

$200K

$100K

$0K

Pay for It Yourself

Comparison - Kai-Zen Plan versus Non Kai-Zen

Kai-Zen Plan Matching by Bank

YOUR Kai-Zen Plan Contribution

If You Pay for it

YOURSELF

Kai-Zen:

BANK

Kai-Zen:YOU

Example: Standard Male, Age 45,

Non-smoker

Pay for It Yourself:$ 514,345.00

Your Total Kai-Zen PlanContribution:

$ 177,577.00With Bank Matching Funds:$ 500,000.00

Total Cost Savings:

$ 336,768.00

*Includes $ 2,500 plan set-up ee

Example:

StandardMale,

Age 45,

Non-

Smoker


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2013 NIW Companies, Inc. All rights reserved. Kai-Zen, the Kai-Zen logo, NIW, and the NIW Companiesgo are registered trademarks of NIW Companies. Produced in USA.

The time to initiate your own Kai-Zen Plan is NOW!To get started, contact your Kai-Zen Plan representative shownbelow, or or more inormation visit kaizenplan.com.

The Kai-Zen Plan is administered by the NIW Compa

Your Kai-Zen Plan agent:

Retirement

n 54% o American workers report having less than $25,000 in savings and investments,and 27% have less than $1,000 saved.

n According to a recent study, 43% o all American households are one crisis away rom poverty,meaning saving or retirement is all but impossible.

n The average monthly Social Security check was about $1,177 at the beginning o 2011.To maintain liestyle ater retirement, 75% to 85% o pre-retirement income is needed.

Critical Illness

n The average total cost orecovering rom a severe heart attack is about

$1 million. The cost o a less severe heart attack is about $760,000. Amortizedover 20 years, thats $50,000 per year or a severe heart attack and $38,000 per

year or a less severe heart attack.

n One in 5 Americans has some orm o cardiovascular disease.

n Three-quarters o people who fled medically-related bankruptcy had health

insurance, butgot sick to the point they lost their job and their insurance.n More than 60 percent o the 1.5 million Americans who will declare bankruptcy

annually are orced into it by medical bills.

Chronic Illness

n In 2011, long-term nursing-home care topped more than $87,000 a year. In-homecare costs even more. The current average length o stay in a long-term care

acility is 2.4 years.

n 70% o retirees will ace some orm o chronic illness in the period romretirement to death.

Terminal Illness

n Upon being diagnosed with a terminal illness, those who go on disability typicallyonly get60 percent o their base pay. However, added expenses or medical procedures,proessional services, extra living costs, and medical/lie-insurance premiums canquickly add up to signifcantly more than a reduced pay amount will cover.

Lie Insurance

n I the primary income earner in a household dies prematurely, most amilies will be fnanciallydevastated.Approximately 1 in 5 Americans die beore the age o 65.

n More than 40% o amilies said theyhavent purchased lie insurance because they haveother fnancial priorities. A Kai-Zen Plan allows you to do both.

Sobering Facts The Most Compelling Reasons Why Enrolling in a Kai-Zen Plan TodayMakes Sense:

Control youown uture

A Kai-Zen Pla

is the best answor proactive

planning ahea

or every poss

pre- and

post-retireme

fnancial scena

Nick Thornhill, MBA

Mobile: (530) 949-3845

Email: [email protected]

Website: TheKaizenPlan.com

ELITE FINANCIAL STRATEGIES

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