The number one concern for CEO’s is recruiting and retaining quality talent.  Imagine the impact on your business if even two or three key employees left. It's a common headliner, corporations are losing talent to competitors.  Over the next 10 years, the workforce will shrink by 16 million. What is your plan to differentiate your benefits vs. your competitors?

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, without you being underwritten for the loan, make interest payments, or provide personal guarantees. Your contributions and the cash value of the policy are the sole and only security for the loan. There is no liability on you personally. Simply create an account, estimate your short 5 annual contributions, and let Kai-Zen® leverage do the rest. Kai-Zen® was designed to minimize expenses and maximize your potential for accumulation. Combined with leverage it provides you the potential for 60-100% more.*

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

Your retirement will cost you an average of 6 times more than your house. Most people use financing to live in a better home, so why aren’t you using financing to help you fund a better retirement? Estimate your returns, to see how Kai-Zen® will benefit you. 


No negative returns due to market decline.

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

More 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.

See if you qualify, discover your potential returns and see if 

Substantially differentiate your benefits on plans that matter to your key employees.

Almost zero administration or compliance requirements. (no ERISA , 409A or 457(f))

Top performers are receiving 4 new job opportunities a year. We know lifestyle maintenance is a critical concern for these employees. Yet, everyone offers the same benefits. Kai-Zen#R is different because it is the only plan that is adding excess capital to your existing budget. It is doubling or sometimes tripling your yearly spend. This allows 60-100% more benefits that matter to the employee.

Kai-Zen^® for Recruit Retain

Why Kai-Zen^®

Licensed agents for your needs

Kai-Zen® for Recruit Retain

Why Kai-Zen®

Licensed agents for your needs

Kai-Zen^® for Recruit Retain

Why Kai-Zen^®