Term insurance is the traditional solution for key man applications and it's time for an upgrade.Realistically, only 20% of the population die before they retire. In effect, term is only going to work 20% of the time. Kai-Zen has a solution for problems such as: key persons leaving the company, retirement, chronic illness, etc. Term insurance is simply unable to compete when head to head with Kai-Zen.
Kai-Zen® can create a pool of funds that can be used to produce a “living keyman” plan. You need a solution that covers all the bases. You could build your own cash pool inside the business with retained earnings. But, there are better options. Kai-Zen® will achieve the objective at half the cost, be more creditor protected, and is tax efficient.
Potential for excess accumulation.
Maintain current lifestyle.
Protection for you and your family.
Your combined household income is at least 100k+ per year.
You are between the ages of 18 - 70.
You are in average or good health.
You can contribute a minimum of $22k per year.
Licensed agents for your needs
To find suitable plans tailored to your needs, use NIW's network of licensed agents.