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Kai-Zen and My ILIA

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THE KAI-ZEN STRATEGY

Sunderland Group as a Simplicity Company holds a preferred designation to NIW Companies offerings. As a preferred partner with NIW, Sunderland Group has unlimited support with the NIW products, services, updates, webinars, marketing material, private trainings and more. To learn more about the KaiZen Strategy, please complete the form below, one of our Advisor Development Consultants would love to assist you.

The success of a retirement plan depends on the amount you save, not on your rate of return. A unique cash accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines, while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.

Why Kai-Zen®

We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.
Value Provided Required Qualifications
  • Potential for more accumulation.
  • Your combined household income is at least 100k per year.
  • Maintain current lifestyle.
  • You are between the ages of 18 - 65.
  • More protection for you and your family.
  • You are in average or good health.
  • Diversify your assets.
  • You can contribute a minimum of $22k per year.

 

Kai-Zen® is Different

Kai-Zen® is the only strategy that provides you the opportunity to add up to 3 times more money to fund a cash accumulating life insurance policy. Your contributions and the policy provide the security needed to obtain the loan and your participation is easy. Simply create an account, estimate your short 5-year annual contribution amount, and let Kai-Zen® leverage do the rest. Kai-Zen® was designed to minimize expenses and maximize your potential for accumulation. We then combined it with leverage to provide you the potential for 60-100% more:*
Benefits of Smart Leverage   Benefits of More Protection Benefits of More Growth 
  •   No credit checks.
  •  Death benefit with living benefit riders.
  •  Upside crediting (subject to cap).
  •  No loan documents.
  •  Chronic illness.
  •  No negative returns due to market decline.
  • No personal guarantees.
  •  Terminal illness.
  •  Tax-free distributions with potential to access cash value using tax-free policy loans.
  •  No interest payments.
    

 

*The Kai-Zen® Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.

ILIA® Makes Strategy Management Easy.

We understand learning everything about how a financial strategy works can be stressful. We created ILIA® specifically to make estimating your potential returns, hear from experts, and have a streamlined enrollment experience. For additional information about ILIA® and its benefits, please contact us.
  • One on one education, enrollment and servicing about your plan.
  • Dispersed group education, enrollments and servicing - for example, association groups.
  • Employee benefit plan roll out, for compulsory or voluntary plans and its servicing from employers.
  • Virtual information assistance on complex or simple financial plans & products.

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