SOLVE YOUR KEY EMPLOYEES’
MOST COMMON FINANCIAL CONCERNS


Kai-Zen combines proven financIal strategies with life insurance to create the ultimate retirement product.

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Conservative financing enhances and grows your employees’ retirement benefits.

 

Leverage Contributions 3:1

Bank financing gives policies the potential to grow more quickly without signing loan documents.

Capture Upside Market Growth

This strategy has potential upside market growth and also downside protection.

Built-in Retention

Five years of contributions and better benefits mean that employees will be satisfied and stay longer.

 
 

HOW KAI-ZEN WORKS


  • Connector.

    We tailor policies to address each employee's retirement needs.

    We consult your business and employees to find out which type of policy suits them best.

  • Connector.

    Participants make only five years of contributions.

    Unlike other strategies, participants only contribute for five years and then they are finished. After that, all they have to do is wait.

  • Connector.

    The policy accumulates potential cash value.

    The life insurance policy accumulates cash value, which repays the loan in approximately 15 years. (Note: The life insurance policy is the ONLY collateral for the loan.)

  • Connector.

    The life insurance policy provides supplemental retirement income.

    Whatever amount of cash value accumulation is in the policy can be distributed for lifestyle needs such as supplemental retirement income after the loan is repaid.

 
 

KAI-ZEN DELIVERS PROVEN RESULTS

Without Kai-Zen

Self-Funded Premiums
$1 million
Death Benefit at Age 65-85
$4 million
Total Cash Accumulation Potential for Supplemental Retirement Income
$4.5 million

With Kai-Zen

Self-Funded Premiums + Bank Financing
$4 million
Death Benefit at Age 65-85
$6.5 million
Total Cash Accumulation Potential for Supplemental Retirement Income
$6.5 million
 
 

SEE WHAT SOME OF OUR CLIENTS HAD TO SAY…

I view my participation in Kai-Zen as a safe and functional component of my portfolio; one that gives me and my family important protections that were previously missing from my life plan.CEO, Marketing Consulting Company
I have little faith in Social Security – I have maxed out my 401K year over year, and I do not have a pension. The Kai-Zen program is the most compelling option I have seen in my search for a solution.Head of Private Banking Life Insurance Lending, Top 10 US Bank
NIW has facilited
$0
In Loans Since 2000
 

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