The Kai-Zen Executive Benefit Plan is partially funded by the employer/executive and partially funded by bank financing. The financing provides approximately 60-75% of the total contribution to the plan thus reducing your cost while increasing benefits over what your contribution alone could achieve.

Each insured (the executive/partner, etc) has a segregated trust containing a Kai-Zen policy. The employer or the executive makes a contribution to the trust. A Master Trust bundles multiple individual trusts to obtain critical mass thereby getting optimal loan pricing. The contribution and the trust policy are the sole and only collateral for the Kai-Zen Plan financing. You don’t sign any loan document.

The cash growth along with future contributions (10 in total – 5 by the executive/employer) sustains the security of the loan and eventually pays off the loan in full. The result is a policy that has both a death benefit along with other sometimes, costly benefits. Once the loan is paid off, other benefits from the tax deferred growth of the cash value or policy riders include:

• Cash to supplemental retirement income
• Cash for a chronic disability — through policy riders
• Cash for chronic care or long term care (LTC) — through policy riders
• Cash if they become terminally ill — through policy riders

Or, can be used to fund Benefits for the Employer. The Kai-zen Plan can be utilized to cover both the event of death AND the person leaving for the following reasons:

• Living Buy/Sell
• Living Key Man
• Living Partner Buyout

Contact us to learn more.- 1-800-338-1892