The basic premise is that this is "life insurance"

You can rest assured that in the event of an accident, you will receive a large death benefit. For children, the guardian will be the holder, but it can be transferred in the future.

There are many types of insurance, but the one that is currently attracting the most attention is index-linked savings insurance. A portion of the money you save each month is invested, and you can withdraw the increased assets tax-free when you need them for education expenses, retirement funds, etc.

Since the increased amount is tax-free, you can combine it with an SSN or 401k to reduce taxes and use it as retirement funds. Especially if you start as a child, it can become a reliable source of income by the time you retire. This is how the wealthy increase their money tax-free.

The more assets you have, the higher the chances of having to pay more tax when you inherit them. Because it is "insurance," you can also enjoy the IRS-certified tax savings effect. No matter how much you accumulate, you will not be taxed in the United States when you receive it, either in part or in full. (Due to the Japan-US tax treaty, taxes will be levied based on the tax system in your jurisdiction.)

529 mutual funds for education are well known, but did you know that they have some disadvantages, such as the risk of losing your principal, being taxed on anything other than education contributions, and the possibility of your FAFSA scholarships being reduced? With insurance, you can minimize these disadvantages and increase your money reliably.

Protect and grow your money with an average return of 7-10% over the past 60 years! Index investing allows you to steadily grow your money while offering returns that are impossible with Japanese insurance, which is unique to the United States. Comes with "downside protection" compensation, so even if the market crashes, your investment will never be negative. Perfect for those who are reluctant to invest and want to grow their money steadily.

Although the conditions vary depending on the insurance company, you can join even if you have a visa. You can receive the insurance even after you return to Japan.