Life Strategy Fit Finder

A quick prospect screen inspired by Bank On Yourself, Debt2Capital™, Rescue Your Retirement, and the Kai-Zen® premium-financed insurance strategy. It does not recommend a product; it routes a prospect to the most sensible discovery conversation.

Debt eliminationFuture capitalRetirement rescueKai-Zen® leverage screenLiquidity/controlLicensed review required
1
Debt2Capital™ pathBest explored when the person has existing debt, stable income, extra redirectable cash flow, insurability, and discipline.
2
Bank On Yourself pathBest explored for liquidity, predictable savings, policy loans, business capital, college, or long-term-care conversations.
3
Retirement Rescue pathScreen for market dependence, loss concerns, access restrictions, future taxes, fees, RMD/Social Security tax worries, and income longevity.
4
Kai-Zen® leverage pathFor higher-income, insurable prospects who can commit roughly $20k-$22k+ per year for 5 years and need a licensed review of premium-financed IUL/cash-value life insurance.
Prospect basics
Cash-flow and debt fit
Credit cards, auto loans, student loans, personal loans, etc.
Use ranges only. This is not a budget upload.
Only a carrier/licensed professional can determine this.
Retirement rescue scan
The book emphasizes unpredictability and not knowing what the account will be worth when income is needed.
Kai-Zen® leverage screen
NIW/Kai-Zen materials cite $100k+ household/corporate income and other FAQ sources cite $200k if individually funded. Verify current program rules before presenting.
Do not strain lifestyle, emergency reserves, taxes, debt obligations, or required insurance premiums.
Client may not control/access policy values, death benefits, or living benefits until loan repayment/assignment release, subject to documents.
Do not enter exact account balances, SSNs, medical records, tax returns, creditor credentials, or confidential documents. This is a routing screen only.
Educational conceptual screen only. It is not financial, insurance, tax, legal, credit, lending, premium-finance, or investment advice; it does not determine eligibility or suitability. A licensed professional must review any life-insurance, annuity, debt, tax, retirement, trust, lending, rollover, or premium-financed insurance strategy before a prospect acts.