Richard Toban is an Independent Licensed Agent Representing NIW Companies, Inc.,
Creators of The Kai-Zen Plan

THE KAI-ZEN® STRATEGY

Don’t Simply Retire. Have Something to Retire to.

Kai-Zen® offers you up to an additional 3 times more money to fund a unique cash accumulating life insurance policy using leverage.

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Business Owners, Executives & Attorneys

Doctors / Physicians

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Recruit & Retain

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The Greatest Weatlh Transfer

WHAT WILL YOUR LEGACY BE?
You have worked hard and are living the retirement lifestyle you have always
dreamed of. Years of preparations and proper planning have paid off and it is
time to start thinking about the legacy you want to leave behind for future
generations.
Over the next 25 years $68 trillion dollars will transfer from retirees to their
children, whether they’re ready for it or not. For most parents, there isn’t
anything we wouldn’t do for our children. However many do not feel
comfortable leaving large sums of money with no control on how it will be
spent. Instead, many retirees would prefer to have a plan that allows their gift
to provide long term meaningful benefits, over the course of their children’s
lifetime.
Kai-Zen provides you an opportunity to significantly enhance your gifts.
You make 5 annual payments (gifts) to your children, which are used to fund a
unique cash accumulating life insurance policy. Your policy contributions are
then used as the sole collateral and combined with leverage adding up to an
additional 3 times more money. The use of leverage has the potential to
increase the amount of death benefit protection provided, the amount of
cash accessible in the event of a chronic illness and increase the distributions
they could take in retirement by 60% -100% more than what your gift alone
could provide.
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Generation Skipping

A Deeper Understanding

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