The Kai-Zen Plan provides a total benefit solution.

These benefits go beyond the typical 401(k)

or health insurance. By using leveraged funds

to provide approximately 60-75% of the total

contribution to the plan, Kai-Zen allows you to

reduce costs while increasing benefits.

Kai-Zen PlanThe Most ExcitingStrategy in Benefits... Period.

www.KaiZenPlan.com

What if you could get more benefits for less money?

FORM NLG 7/2015

The Future’s UncertainKai-Zen has You Covered

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

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.

* Financing life insurance premiums has certain inherent risks including interest rate fluctuations, financial marketing performance, credit availability, insurance company ratings, and stability.

Kai-Zen provides BOTH the protection you need to address these fears PLUS the supplemental retirement income you want.

Nearly half of all Americans are one medical crisis away from bankruptcy. Medical problems

contributed to 62% of all personal bankruptcies filed

in the US.

The American Journal of Medicine 2009

Financial Emergency

Cancer is the leading cause of death around the world with nearly half of all men and

a third of all women in the US at risk of developing some

form of the disease.

cancer.org

Critical Illness or Injury

70% of US households would

have trouble meeting everyday

living expenses within a few

months if the primary wage earner were to

die today.

LIMRA 2010

Loss of Breadwinner

Over 33% of US households won’t

have enough money for

retirement even if they work until age 70.

Employee Benefit Research Institute 2013

Comfortable Retirement

American’s most common financial fears stem from the fact that they do not have adequate resources for or protection from:

Protection(Die Too Soon or Become Ill)

$1,500,000 Death Benefit(and/or Living Benefits)

Up to: $1,000,000 Critical Illness (Cancer, Heart Attack, Stroke, etc.)

$1,000,000 Critical Injury (Coma, Brain Injury, Paralysis, Burns)

$1,500,000 Chronic Illness (Assistance With Daily Living, bathing,

Eating, Dressing, Transferring, Etc.)

$1,500,000 Terminal Illness

MyBenefits

Additional Savings(Live Many Years)

Upside Interest Potential(Interest Credited Based On Market Index i.e.: S&P)

No Loss of Cash Value 0% Floor(Minimum Guarantees)

Tax Deferred GrowthPotential Tax-Free Distributions

(Access To Cash Value UsingTax-Free PolicyLoans And Withdrawals)

No Limit On Contribution AmountsGuaranteed Lifetime Income Options

MyBenefits

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 business 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.

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.

Your Money Alone vs. Kai-Zen

Av e r a g e 4 5 y e a r - o l d E x e c u t i v e

7% Average ReturnDeath Benefit $1,500,00and/or Living Benefits

$165k $165k

$840k Total

$489kAdditional

Money

$ 1.5Million TotalAge 65-85

Annual income$42,018

Age 65-85Annual income

$75,000

Before Kaizen After Kaizen

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

$33k $33k $33k $33k $33k $165,000**

$37k $37k $37k $37k $37k $65k $65k $65k $65k $65k $500,000

1 2 3 4 5 6 7 8 9 10 TOTAL

Annual Premium Schedule

- Your Portion - Bank Portion

3 to 1 Leverage

Client Contributions

and the policy are the sole collateral

for the loan

(Current Rate)

LIBOR + 1.75%* Example: Standard Male, Age 45, Non-Smoker

If you are like most people you’re only able to afford a portion of the benefits that you truly need.Kai-Zen is the best answer to build retirement income through valuable permanent life insurance while having financial protection in the event of a serious illness or injury.

When it come to your benefits, how full is your glass?

Can you afford to wait? Enroll in Kai-Zen today.

Contact your Kai -Zen plan representative below or visit www.niwcorp.com

www.kaizenplan.com

1.800.294.9940

info@kaizenplan.com

Contact NIW

Control your own future

The Kai-Zen Plan is one of the best answers for leveraging your current cash flow to allow you to purchase the amount of life insurance you actually need.

© 2015 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:

NIW Companies, Inc.4975 Preston Park Blvd. Suite 425Plano, Texas 75093

972-755-1582 or 800-294-9940

About NIW

Since 2000, NIW Companies, Inc. has used its long time industry experience to develop sustainable financial solutions for life insurance. Financing, when used correctly, can both help reduce client costs and provide more substantial persistency in the industry. NIW monitors and services the plan annually throughout the life of the loan.