Amplify Your Practice.
Amplify Their Future.

Help address the retirement savings gap for your clients with the Kai-Zen® strategy.

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Your clients have worked hard to build a lifestyle they love, but many still find it challenging to meet their retirement goals.

In fact, 90% of high-income earners are underfunding their retirement savings in order to preserve their current quality of life,1 which can potentially cause a shortfall later in life.

The reality is that financial success isn’t driven by returns, which only account for 26% of the outcome. The real impact comes from capital at work, which contributes a massive 74% to long-term success.2

26% Returns 74% Capital at Work

Kai-Zen® addresses your client’s capital problem by using smart leverage to fund an IUL strategy.

Kai-Zen® is a turnkey LIRP strategy designed for high earners to purchase substantial Indexed Universal Life (IUL) insurance. It uses 3-to-1 lender leverage–where both your client and a lender make contributions–to enable larger policies with significant death benefits, access to living benefits, and a greater accumulation of tax-advantaged cash value. Cash value that your client can then use as a source of supplemental retirement income when the time comes.

Register to learn how to integrate Kai-Zen® into your business:

Date: Tuesday, August 18, 2026
Time: 1:00 PM EST
Format: Live Virtual Event

Please confirm with your broker dealer prior to registering for this event. Registered representatives who are not affiliated with Simplicity Securities are solely responsible for insuring they are allowed to attend.

How Kai-Zen® Works

Years 1-5

Your client and the lender each make five annual premium payments for the first five years.

Years 6-10

Over the next five years, the lender assumes all premium payments, allowing your client to focus their funds elsewhere.

This maximizes the policy’s growth potential without requiring additional out-of-pocket capital and creates a highly efficient vehicle for growing cash value.

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Why Kai-Zen® Makes Sense for Your Clients

Frictionless Financing

  • No credit checks
  • No personal guarantees
  • No loan documents
  • No out-of-pocket interest expenses

Comprehensive Security

  • Higher death benefits
  • Living benefit riders
  • Chronic illness riders
  • Terminal illness riders

Accelerated Growth Potential

  • More capital at work
  • Tax-efficient growth
  • Tax-free distributions
  • Zero market loss*
High Earners
IDEAL PROSPECTS

Who is Right for Kai-Zen®?

  • Income: High earners making $200k+ annually
  • Age: 35–60
  • Professions: Executives, Medical Specialists, Finance and Investment Leaders, Legal Professionals, Engineers and Technology Executives, Etc.

Don't just manage what your clients save—multiply it

Register for our upcoming information session to see the Kai-Zen® platform in action and learn how to position this strategy to your top-tier clients.

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Contact Us

475 Springfield Avenue

Summit, NJ 07901

©2026 Simplicity Group All Rights Reserved.

FOR FINANCIAL PROFESSIONAL USE ONLY. NOT FOR PUBLIC DISTRIBUTION. 5654246-0626

1 - United States Census Bureau, Smart Asset, and Financial Samurai
2 - Retirement Success: A surprising look into the factors that drive positive outcomes; David Blanchett & Jason Grantz

This site should not be considered tax or investment advice. Kai-Zen utilizes an Indexed Universal Life insurance policy and is not an investment vehicle. Capital is the combination of premium payments and the lender loan utilized for additional funding towards the policy. It is not an investment. Returns are not guaranteed subject to caps, floors, and participation rates, which limit potential gains as past performance does not guarantee future results. Loans incur interest, vary each year, and reduce policy benefits unless repaid. Contributions are premium payments for a life insurance policy. You are not contributing to a retirement plan such as a 401(k). The client contribution portion of the strategy includes a trustee and administration fee of $1350 a year in addition to policy and loan charges. *The 0% floor protects against negative index returns, but does not guarantee positive credits. Stress testing reflects hypothetical scenarios, not guaranteed outcomes. Benefits and returns are subject to policy terms. Kai-Zen is independent of individual carriers and not available in all 50 states. The carrier for the IUL policy is not a party to, lender for, or underwriter of the financing arrangement/ loan associated with this strategy. Contact your Kai-Zen representative for additional information

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