Features and Benefits Provided by the Life Insurance Policy
Death Benefit Protection
Cash Accumulation
A cash value life insurance policy with accelerated benefit riders can provide a tax-free death benefit and /or living benefits of:
Critical lllness
(Cancer,Heart Attack,Stroke,etc..)
Critical Injury
(Coma,Brain injury,Paralysis,Burns )
Chronic ILLness
(Assistance with daily
living, bathing, eating, dressing,
transferning, etc...)
Terminal ILLness
(May provide living benefits if death is expected within12-24months...
term varies by state)
Potential cash value accumulation for lifestyle needs such as supplemental retirement income.
policy features include :
Interest Crediting Potential
(0%floor protects against declines in an index)
No loss of Cash Value, 0% Floor
Potential Cash value Growth Tax Deferred
Potential Income Tax-free Withdrawals
(Access to cash value using policy loans and withdrawals that may be income tax free )
(Cancer,Heart Attack,Stroke,etc..)
Examples :IUL-INDEXED UNIVERSAL LIFE INSURANCE
Before and After the Kai-Zen Strategy
Total Cash Accumulation
Potential for Supplemental
Retirement Income
Self-funded
Death Benefit
Age 65-85
Self-funded
Bank
Funding
Death Benefit
Age 65-85
Without Kai-Zen Strategy
With Kai-Zen Strategy
Total Cash Accumulation
Potential for Supplemental
Retirement Income
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