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Creating Tax Free Wealth For Business Owners
Unlock More Than Wealth — Build Tax-Free with Kai‑Zen
The Kai‑Zen method is more than just a clever financial move—it’s a faith-aligned strategy that empowers executives and professionals to create tax-free growth, protect their legacy, and live generously. By combining your contributions with bank financing inside a permanent life insurance policy (typically an indexed universal life, or IUL), you can amplify your wealth-building power—while keeping it tax-free.
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Here’s how it works in today’s environment:
Leveraged Growth, Lower Cost: Over approximately 10 years, for every dollar you contribute, the bank contributes multiple dollars—accelerating cash value accumulation without draining your savings.
Tax-Free Retirement Income: Once the policy has built sufficient cash value, you can access it via policy loans—completely tax-free, regardless of future tax rates.
Guaranteed Protection with a Purpose: Kai‑Zen’s structure includes a death benefit and protection floors (market down-turn proof), aligning your financial strategy with stewardship and security.
Why This Matters in 2025
Rising Rates, Smarter Leverage: Even as interest rate trends fluctuate, Kai-Zen structures confidently handle loan rate variability—turning economic shifts into opportunities.
Estate Planning Pressure: With estate tax exemptions poised to shrink soon, Kai‑Zen helps reduce taxable estates while passing on blessing-filled legacies.
Resilient in Market Uncertainty: By using an IUL’s index-linked model with floors, Kai‑Zen offers growth potential protected from market drops—a safe haven in volatile markets..
Plan for Legacy: Integrate Kai‑Zen into your estate strategy to protect assets, minimize taxes, and steward with purpose.
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5 Keys to Raising a Strong Family
Raising a family is immensely rewarding, but it can also be hard—especially in today’s world. Your kids may face more difficult decisions than you did in your younger years. Here are five ways you can strengthen and protect your family through difficult trials and challenges.
Creating Tax Free Wealth For Business Owners
Kai-Zen was first introduced in 2012 by NIW. The underlying financial approach has been utilized by wealthy individuals and estates (typically $10M and over) since the 1960s. Kai-Zen is a new variation on this approach - allowing highly compensated individuals like yourself to participate in this type of leveraging for the first time.
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Take Comfort in Understanding Your Strategy!
No one knows what will happen in the future but looking at the past uncovers some common patterns. Stressing our designs through some of the harshest economic conditions to date allows us to implement a strategy to help protect against potential future failures and optimizes our chances for a more successful outcome.
"Let us not become weary in doing good, for at the proper time we will reap a harvest if we do not give up."
- Galatians 6:9 (NIV)
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