Life insurance is not working. Less than 6 of 10 people own life insurance. Of those who own life insurance policies, 71% are on term policies. 1% of all term policies pay a death claim, 25% of permanent insurances lapse within the first 3 years, and 40% within 10 years. It leaves about 1 in 10 people who really have coverage.  

Maybe this is because life insurance doesn’t offer enough for investors to hang in there when things get tough. What if we added to the death benefit access to cash if you became ill, terminal, critical or chronic accelerated growth without market risk, tax-free retirement income? Well, we can do that with Kai-Zen. I call it the swiss army knife of the investment insurance world.