The Forth Disadvantage of Kai-Zen: The Risk Spread. Risk spread is the difference between what you are making and the interest you are paying. In an index universal life, you have no downside, no negative years but in those non-performance years with Kai-Zen, you still have leverage interest stocks. Historically, the market has three down years out of ten. So those three non-performance years, you still have the leverage interest costs. During the last ten years, Kai-Zen has averaged about 8% with the leverage interest averaging 4%. A risk spread of also 4%. Kai-Zen can perform satisfactory with a risk of over half a percent. Until next time, this is Jim Barlow from Oak Tree Premium Finance.