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.

The success of your retirement depends on the amount you save, not on your rate of return. A unique cash accumulating life insurance policy using leverage offers an opportunity to earn interest and eliminate the risk of market declines, while providing you and your family protection. The policy secures the loan, providing you the potential for an additional 60-100% more for your retirement without the typical risks associated with leverage.

To find suitable plans tailored to your needs, use NIW's network of licensed agents.

We understand learning everything about how a financial strategy works can be stressful. We created ilia specifically to help make things simple from estimating your potential returns, hearing from experts, and a streamlined enrollment experience. For additional information about ilia and it’s benefits, please contact us.

Learn the specifics of your Kai-Zen, Tri-Zen, Leverage Savings Plan or Enhanced Split Dollar Strategy.

Watch videos from experts about the benefits of NIW strategies.

Enroll through our streamlined step-by-step process.

Kai-Zen® is the only strategy that provides you the opportunity to add up to 3 times more money to fund a cash accumulating life insurance policy. Your contributions and the policy provide the security needed to obtain the loan and your participation is easy. Simply create an account, estimate your short 5-year annual contribution amount, and let Kai-Zen® leverage do the rest. Kai-Zen® was designed to minimize expenses and maximize your potential for accumulation. We then combined it with leverage to provide you the potential for 60-100% more:*

Don’t Simply Retire. Have Something to Retire to.

Kai-Zen® offers you up to an additional 3 times more money to fund a unique cash accumulating life insurance policy using leverage.

No negative returns due to market decline.

Tax-free distributions with potential to access cash value using tax-free policy loans.

Death benefit with living benefit riders.

*The Kai-Zen® Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.

Your combined household income is at least 100k+ per year.

You can contribute a minimum of $22k per year.

See if you qualify, discover your potential returns and see if Kai-Zen#R is right for you.

Kai-Zen#R 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#R will achieve the objective at half the cost, be more creditor protected, and is tax efficient.

Kai-Zen^® for Keyman

Why Kai-Zen^®

Licensed agents for your needs

Kai-Zen® for Keyman

Why Kai-Zen®

Licensed agents for your needs

Kai-Zen^® for Keyman

Why Kai-Zen^®