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You may think life insurance can only help when you pass away. But it can also be a source of supplemental income to help you throughout life.
Fixed index universal life insurance offers you the potential to build accumulation value in the policy through fixed interest, indexed interest, or a combination of both.
Your policy tracks the performance of your selected index(es)- but you're not actually participating in the market or buying shares in any index. Interest is credited annually on the policy anniversary based on the tracked performance of the index and crediting method.
What is a market index? While an investment cannot be made directly into a market index it is used to track the performance of a group of stocks or other investments over time to give an indication of the overall performance of the market.
What Is Kai-Zen?
The Kai-Zen® strategy, offered by NIW Corporation, is a unique product that utilizes life insurance and leverage with a focus on supplementing your retirement fund. It involves using leverage to fund a cash accumulating life insurance policy, aiming to provide more growth and protection for the policyholder. This approach allows for the potential accumulation of additional funds for retirement, beyond what one could save independently. The strategy is dependent on the client's consistent contributions over the first five years and involves no credit checks or personal guarantees for the leverage aspect. It's designed to minimize expenses and maximize potential accumulation, with the added benefits of tax-free distributions and protection against market declines.