Your retirement success hinges more on how much you save rather than the rate of return on your investments.
On average, Americans have saved only 78% of the funds necessary for a comfortable retirement.
- Fidelity Investments
THE SOLUTION IS
Leverage
A distinctive cash-accumulating life insurance policy utilizing leverage provides an opportunity to earn interest while safeguarding against market declines, ensuring protection for you and your family. The policy secures the loan, potentially increasing your retirement savings by 60-100% without the usual risks linked to leverage.
BENEFITS OF SMART LEVERAGE
No credit checks.
No loan documents.
No personal guarantee.
No interest payments
BENEFITS OF MORE PROTECTION
Death benefit with living rider
Chronic illness
Terminal illness
Cash availability (after loan)
BENEFITS OF MORE GROWTH
Upside crediting (subject to cap)
No negative returns in the market
Tax free distributions with potential access cash value
Various conditions apply regarding the access and distribution of the cash while the bank loans are still active in the policy. See authorized Preferred Agent for details.
WHY LEVERAGE?
We’ve all used leverage to buy a better home or car.
Utilizing leverage to potentially boost growth and increase protection while maintaining your current standard of living is the intelligent way to use leverage.
WHAT CLIENTS WITH THIS PLAN SAY
“I love that the bank
is putting in 3X as
much as I am!”
- Dr. Amy Wechsler | Physician
“I was able to triple
the value of my
death benefit.”
- Steven Brown | Real Estate
“Now when I
retire I have a potential
income stream.”
- Joe Tosto | Computer Tech Sales
Leverage For Retirement
NIW and KaiZen is a registered trademark of the NIW Corp of Texas and Ray Alkalai is an authorized representative.