Max Generational Legacy Planning

Maximizing Retirement & Estate Planning

ESTIMATE YOUR BENEFITS

Trusted by Partners

Retirement Planning For High

Net Worth Individuals

For high net-worth individuals who want to pass more of their wealth to their heirs. You've worked your entire life to pursue a dream. You've sacrificed, struggled, and succeeded. Now it's time to ensure everything you've built, can be passed down to help enhance the lives of your children, their children, and future generations yet to come.

ESTIMATE YOUR BENEFITS

Solutions For Physicians

Most physicians start saving late and risk losing their lifestyle in retirement. Kai-Zen® uses leverage with life insurance to grow wealth safely—without cutting current income. No credit checks, loan documents, or interest payments required. Enjoy tax-deferred growth, locked-in gains, and up to 100% more retirement benefits securely.

Dr. Gould’s Testimonial

Most physicians save too late to sustain their lifestyle in retirement. Kai-Zen® changes that. By combining leverage with life insurance, it builds wealth safely—no loans, credit checks, or interest payments. Physicians like Dr. Paul Gold trust Kai-Zen® to protect family, grow retirement income, and secure multigenerational financial freedom.

How Kaizen Works

Kai-Zen® works by combining your contributions with leveraged funds inside a cash-accumulating life insurance policy. A portion covers life and living benefits, while the rest grows tax-deferred with gains locked in annually. No credit checks, loan documents, or interest payments—just secure, compounded growth and up to 100% more retirement income potential.

Grace's Policy

The best proof of Kai-Zen®’s success is real performance. Co-founder Grace Barnard designed it for herself, her employees, and her family—earning a 7.73% average crediting rate with a $797K cash value, surpassing original projections. Proven, transparent, and personally tested, Kai-Zen® stands as a trusted wealth-building strategy that truly delivers.

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Estate Planning

For high net-worth individuals who want to pass more of their wealth to their heirs. You've worked your entire life to pursue a dream. You've sacrificed, struggled, and succeeded. Now it's time to ensure everything you've built, can be passed down to help enhance the lives of your children, their children, and future generations yet to come.

Greatest Wealth Transfer

Index Universal Life

General Information

Simplicity has led the industry as the authority on Indexed Universal Life (IUL). Since the late 1990s, its advisors have generated over $100 million in commissions and empowered 5,800+ agents with advanced tools, personalized support, and proven strategies to multiply income and achieve lasting success in IUL sales.

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Test Drive an IUL

With innovative tools like Test Drive an IUL, expert training, and personalized support, Simplicity helps advisors grow their business—proving that independent never means alone.

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College Funding

With college costs soaring, Simplicity offers innovative, tax-advantaged solutions to fund education without sacrificing retirement savings. By using Indexed Universal Life (IUL) for college planning, families can enjoy tax-free growth, tax-free withdrawals, and principal protection—a smarter, more flexible way to secure both education and financial futures.