KaiZen Executive Bonus Program
Kai-Zen is a strategy 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. 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 of the benefits you need to financially protect you, your family, or your business. Its unique fusion of financing and life insurance offers you more protections and the potential to earn more for 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 any loan documents. As an additional protection, Kai-Zen’s structure is also set up to 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 mean
Buy-Sell Agreements/Key Employee
Business Continuation (Key Man, Buy-Sell, Partner Buyout)
Key employees leave for a variety of reasons. Partners can become disabled, have a chronic illness or just want to retire, leaving the business to scramble to cover their loss to the business. Most life insurance requires that someone dies while they are employed for the company to recover its costs, but the Kai-Zen Plan is one of the few that covers key personnel if they leave.
In the case of business ownership, most partners would like to have something in place that would avoid having a large portion of the company passed on to a family member or someone who has no personal stake in the company.
Cost Effectiveness of Traditional Plans
Most benefits require that you pay an annual expense as long as the employee stays at your company. Even worse, this cost increases over time. With Kai-Zen, there are five or less payments to be made.
Most businesses offer just the basic benefits, like health insurance and 401K matching. So what separates you from the rest?
