• info@kaizenplan.com
  • 800-294-9940

What is Kai-Zen?

Kai-Zen Plan – Using Leveraged Funds to Provide a Total Benefits Package


The Kai-Zen Plan is designed for business owners, doctors, attorneys, and similar key executives and professionals. To qualify, you must be able to obtain a standard or better risk class with the carrier, be age 65 or under, and meet the following financial criteria by carrier:

National Life Group – have an annual income of at least $100,000

Minnesota Life – have a net worth of at least $5 million

Allianz- have a net worth of at least $2 million and an annual income of at least $200,000

The Kai-Zen Executive Benefit Plan combines bank financing to match the contributions made by the employer/executive to purchase a death benefit and maximize executive benefits. The Kai-Zen plan allows employers/executives to get the same benefits for less money or more benefits for less money.

Just as you might finance a house or a car, you can now finance your benefits. The benefits most executives want and need are:

  • Additional cash to supplement retirement income
  • Tax Deferred Growth of the cash value
  • The means to obtain tax free Income from the policy cash value
  • Cash for a chronic disability
  • Cash for chronic care or long term care (LTC)
  • Cash if they become terminally ill
  • Tax Free Death Benefit for their heirs

Employers can offer all the above benefits to their executives as well as protect their business through these more effective solutions:

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

Executive/Employer contributions are made to the plan for only five years. The financing portion matches the contribution the first five years and then takes over and pays the total contribution for the remaining five years.

The Kai-Zen Executive Plan is secure, minimizes risk and is cost effective!