What Youre Able to Afford is a Portion of What You Really Need

You are most likely contributing to these... ...and you probably know you need these, but have not gotten them all fully covered.

Health Insurance

401K

Disability Insurance

Long Term Care

Life Insurance

Additional Retirement Income

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

A Kai-Zen Plan will help fill the gap!

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

A Kai-Zen Plan is the simplest way to gain more benefits plus greater savings!
Example: Standard Male, Age 45, Non-smoker

Protection
$1,000,000+
Death Benet

Supplemental Retirement Benets

100% matching contributions Market returns with no loss of principal Tax deferred growth Tax free distributions
Example: Standard 45 year old male, $1 million policy $71,000/Year from age 65-85

Chronic Care1 Benets (Long Term Care)

$1,000,000

Critical Illness Protection

2

$1,500,000 $1,500,000

Terminal Illness Protection Compare Kai-Zen to your existing protection plans.

With Kai-Zen, your savings are greater than 50% by combining our contributions with yours, thereby freeing up more of your money to put to use elsewhere!
1 Chronic Care is defined as need of support with daily life; bathing, feeding, walking, etc.

Liquid
Compare Kai-Zen to your existing retirement plans:
No other supplemental retirement plan offers 100% matching contributions, protects your investment regardless of market conditions, and gives you tax-free distributions when needed.
2 Critical Illness is defined as catastrophic illness such as stroke, heart attack, renal failure, etc.

Your Portion
Example: Standard Male, Age 45, NonSmoker

Bank Portion

How a Kai-Zen Plan Works:

With a Kai-Zen Plan, there are NO loan documents to sign, or obligations outside of the policy!
A Kai-Zen Plan is jointly funded by you and by bank financing. This bank financing provides approximately 60-75% of the total contribution to the plan which reduces costs and increases benefits far 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 for the Kai-Zen Plan financing. There are no loan documents. The cash growth, along with future contributions (10 in total but only 5 by you) sustains the security of the loan and eventually pays off the loan in full. The result is a policy that has both a death benefit along with highly valuable additional living benefits. Once the loan is paid off, benefits from the tax deferred growth of the cash value or policy riders include:
n

1
Y E A R S E N R O L L E D

$ 35K $ 35K $ 35K $ 35K $ 35K $0 $0 $0 $0 $0

$ 35K $ 35K $ 35K $ 35K $ 35K $ 65K $ 65K $ 65K $ 65K $ 65K

2 3 4 5 6 7 8 9 10

Cash to supplemental retirement income

(For those at or below age 55)

Cash for chronic care* Cash for critical care*

(Assistance with bathing, dressing, feeding, etc.)

(Heart attack, stroke, renal failure, etc.)

Cash in the event of a terminal illness*

TOTAL:

$ 177,500* $ 500,000

*Through policy riders

*Includes $ 2,500 plan set-up fee

Compare Kai-Zen to Traditional Solutions

Example: Standard Male, Age 45, Non-smoker
Comparison - Kai-Zen Plan versus Non Kai-Zen
$600K
Pay for It Yourself Kai-Zen Plan Matching by Bank YOUR Kai-Zen Plan Contribution

Pay for It Yourself:

$ 514,345.00 $ 177,577.00 $ 500,000.00

$500K

COST

Your Total Kai-Zen Plan Contribution: With Bank Matching Funds:

$400K

$300K

$200K

Kai-Zen: BANK

If You Pay for it YOURSELF

Total Cost Savings:

$100K
Kai-Zen: YOU

$ 336,768.00

$0K

45

48

51

54

57

60

AG E

63

66

69

72

75

78

81

84

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

54% of American workers report having less than $25,000 in savings and investments, and 27% have less than $1,000 saved. According to a recent study, 43% of all American households are one crisis away from poverty, meaning saving for retirement is all but impossible. The average monthly Social Security check was about $1,177 at the beginning of 2011. To maintain lifestyle after retirement, 75% to 85% of pre-retirement income is needed. The average total cost of recovering from a severe heart attack is about $1 million. The cost of a less severe heart attack is about $760,000. Amortized over 20 years, thats $50,000 per year for a severe heart attack and $38,000 per year for a less severe heart attack. One in 5 Americans has some form of cardiovascular disease. Three-quarters of people who filed medically-related bankruptcy had health insurance, but got sick to the point they lost their job and their insurance. More than 60 percent of the 1.5 million Americans who will declare bankruptcy annually are forced into it by medical bills. In 2011, long-term nursing-home care topped more than $87,000 a year. In-home care costs even more. The current average length of stay in a long-term care facility is 2.4 years. 70% of retirees will face some form of chronic illness in the period from retirement to death.

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Critical Illness
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Control your own future:

A Kai-Zen Plan is the best answer for proactively planning ahead for every possible pre- and post-retirement financial scenario.

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Chronic Illness
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Terminal Illness
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Upon being diagnosed with a terminal illness, those who go on disability typically only get 60 percent of their base pay. However, added expenses for medical procedures, professional services, extra living costs, and medical/life-insurance premiums can quickly add up to significantly more than a reduced pay amount will cover.

Life Insurance
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If the primary income earner in a household dies prematurely, most families will be financially devastated. Approximately 1 in 5 Americans die before the age of 65. More than 40% of families said they havent purchased life insurance because they have other financial priorities. A Kai-Zen Plan allows you to do both.

The time to initiate your own Kai-Zen Plan is NOW!

To get started, contact your Kai-Zen Plan representative shown below, or for more information visit kaizenplan.com.
Your Kai-Zen Plan agent:

ELITE FINANCIAL STRATEGIES

Nick Thornhill, MBA Mobile: (530) 949-3845 Email: nick@EliteFinancialStrategies.com Website: TheKaizenPlan.com
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The Kai-Zen Plan is administered by the NIW Companies, Inc.