Because of our strategic partnership with NIW Companies, Inc. we can now offer all of the premium financing strategies they design. Kai-Zen is just one of the many strategies developed by NIW Companies, Inc. that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement. Protecting your earnings is critical to insuring your ability to save for retirement.
Most premium financing strategies are only available for high net-worth individuals with a net-worth of 5 mm or higher. The Kai-Zen strategy is available for individuals earning 150k a year or higher giving them the same advantage high net-worth individuals have been benefiting from for years.
Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.
Kai-Zen is the ONLY strategy that uses leverage to help you acquire more benefits you need to financially protect you and your family. It’s unique fusion of financing and life insurance offers you more protections and the potential to earn more retirement than you could obtain without leverage.
How it Works
The Kai-Zen strategy is simple. Premiums are jointly funded by bank financing and the participant or employer. The bank financing provides the majority of the total contribution to the plan, and the life insurance policy itself is the full security for the loan. This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign loan documents. As an additional protection, Kai-Zen’s structure is also set up protect your benefits in the event of employer bankruptcy.
By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means.
The most unique and compelling aspect of the Kai-Zen strategy is that the participant’s contributions are leveraged 3 to 1.