The Kai-Zen Plan provides a total benefits package for

you or your employees; benefits beyond the typical 401K

or health insurance. By using leveraged funds to provide

approximately 60-75% of the total contribution to the plan,

the Kai-Zen Plan allows businesses to reward their key

employees without breaking the bank.

NIW Kai-ZenThe Most ExcitingStrategy in Benefits... Period.

www.KaiZenPlan.com

What if a lender financed most of your benefit costs?

What You’re Able to Afford is a Portion of What You Really Need

The Most Compelling Reason Why Enrolling in the Kai-Zen Plan Today Makes Sense!

HealthInsurance

HealthInsurance

401K401K Protectionfor

terminal,chronic or

critical illness

LifeInsurance

AdditionalRetirement

Income

You are most likelycontributing to these benefits...

...and you probably know you need these, too,but have not gotten them all fully covered.

Your Retirement

Up to

One-third of U.S. House-holds between the ages of 30 and 59 won’t have

enough money for retirement, even if they work until they are 70.

(Employment Benefit Research Institute, 2013)

Your Family

Up to

70% of U. S. Households with children under 18 would have

trouble meeting everyday living expenses within a few months if a primary wage earner were to die today.

(LIMRA Household Trends in U. S. Life Insurance Ownership, 2010)

Have you set aside enough money to protect...

Chronic Illness

Up to

The average annual cost of an assisted living facility

is close to $40,000. You can just about double that for a nursing home.

(MSN Money/MoneyRates.com, January, 2013)

Critical Illness

Up to

Medical problems contributed to 62% of all personal

bankruptcies filed in the U.S in 2007. This was a

50% increase from a similar 2001 study.

(The American Journal of Medicine, 2009)

What would happen to your nest egg if you suffered a...

Whether you are an executive or a business owner

with key employees, are you doing

everything you can to protect your most valuable asset--- your employees?

Most don’thave the excesscash flow--- the Kai-Zen plan may help fill

the gap!

Financial security requires you have all of these risks addressed.The Kai-Zen Plan may help fill the gap!

Compare the Kai-Zen Plan method of purchasing life insurance to your existing protection.

How the Kai-Zen Plan Works

With the Kai-Zen Plan, there are no personal or business loan documents to sign*!The Kai-Zen Plan is designed for businesses, owners, executives, professionals, doctors, attorneys or similar key employees. To qualify, you must be able to obtain a standard or better risk class with the carrier, be age 65 or under, and have income of at least $100,000 annually. Minimum death benefit for this plan is $1.5M.

Each Kai-Zen Plan participant will own a personal trust which will in turn own their policy. Each year, for up to 5 years, you contribute your portion of the premium to your trust. Your contribution and your policy are the sole collateral for the loan.

The Kai-Zen Plan is jointly funded by you and by bank financing. The bank financing provides approximately 60-75% of the total contribution to the plan (see chart below) which reduces costs and increases benefits far beyond what your contributions alone might achieve.

Benefits provided by the life insurance policy

1 Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy. Receipt of Accelerated Benefits may be a taxable event and may affect your eligibility for public assistance programs. Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you. Access to the death benefit may be available through optional accelerated benefit riders in the event of a qualifying terminal, chronic or critical illness.

Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium and may not be available in all states or on all products. This is not a solicitation of any specific insurance policy. Living benefits may not be available with all carriers.

2 Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event. Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender. Surrender charges may reduce the policy’s cash value in early years.

$1,500,000+ Death Benefit and/or living benefits1

Protection

Interest credited based on changes in amarket indexTax deferred growthPotential to access cash value using tax-free policy loans and withdrawals2

No loss of cash value due to market changes

Additional Benefits

$1,500,000 Chronic Care Benefits (Assistance with daily living)

$1,000,000 Critical Illness Protection (Heart attack, stroke, etc.)

$1,500,000 Terminal Illness Protection

Up to

Example: Standard Male, Age 45, Non-Smoker

1 2 3 4 5 6 7 8 9 10

YourPortion

BankPortion

P R E M I U M S C H E D U L E

$175,000

$ 500,000

TOTAL:

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 35K

$ 0

$ 65K

$ 0

$ 65K

$ 0

$ 65K

$ 0

$ 65K

$ 0

$ 65K

**

* Loan documents are at the trust level which is the borrower of the bank financing. ** Additional plan administrative fees will apply.

How long can you afford to wait?The time to initiate your Kai-Zen Plan is NOW! To get started, contact your Kai-Zen Plan representative shown below, or for more information visit kaizenplan.com.

www.kaizenplan.com

1.800.294.9940

info@kaizenplan.com

About NIW

Since 2000, NIW Companies, Inc. has combined long time industry experience with alternative thinking to develop sustainable financed solutions for life insurance. In our view, financing, when used correctly can both help reduce client costs and have a high probability of success. Great concepts only work if they stand the test of time and can weather adverse economic conditions. NIW concepts are designed with this specifically in mind.

To date NIW has:

• Financed life insurance for the last 14 years (including during the 2009 banking crisis), servicing both new as well as existing business

• Worked with many of the largest lenders in the world

• Has facilitated over $4B of loans with the lowest failure rate and highest persistency in the industry

Contact NIW

Control your own future The Kai-Zen Plan may be the best answer for leveraging your current cash flow to allow you to purchase the amount of life insurance you actually need.

© 2014 NIW Companies, Inc. All rights reserved. Kai-Zen, the Kai-Zen logo, NIW, and the NIW Companies logo are registered trademarks of NIW Companies. Produced in USA.

The Kai-Zen Plan is administered by the NIW Companies, Inc.

Your Kai-Zen Plan agent:

Christopher H. Taylor Senior Life Funding 7676 Hazard Center Drive Suite 500 San Diego, CA 92108 chris@seniorlifefunding.com 619.325.7676

Your Tri-Zen Agent: Christopher H. TaylorSenior Life Funding(e): future@seniorlifefunding.com(p): (619) 325-7676(w): https://SeniorLifeFunding.com(a): 7676 Hazard Center Drive, Suite 500, San Diego, CA 92108