The problem: People are a company’s most important asset, employers genuinely want to provide the very best benefits to their key employees, but the cost is too high they keep spiraling. Additionally, getting and keeping employees has never been harder.  Companies offer a basic medical plan, 410K and matching funds, and, possibly, in good years, a bonus check...but studies show this does almost nothing to keep employees at the firm. 

In short employers spend a lot of money to offer the same benefits as everyone else. 

The other problem: Most executives are not ready for retirement. Even more are one serious illness or injury away from financial ruin.

For the person earning $50,000 per year- 401k’s and social security are sufficient to preserve life style in retirement; but if you earn $100,000 or more your life style will drop 50% if you don’t do substantial supplemental planning, 70% if you earn $250,000. This is ignoring that employees are also supposed to cover premature death, disability, long term care and terminal illness at the same time. If you are brave enough to look at the statistics, they confirm all of the above are needed and almost no one has adequate coverage. Over 90% of highly compensated employees have saved less than 30% of what is needed to retire and preserve their quality of life. At the same time most of us have incomplete protection against death permanent disability or critical illness and injury . 

Kai-Zen solves these problems. All of them.

Kai-Zen is an innovative, elegantly simple executive bonus plan that makes it possible for your company to provide cash, retirement income, and insurance benefits.  All at a fraction of the cost of traditional cash and insurance incentives.

The Kai- Zen^R plan uses bank financing to bridge the capital gap but does not require the employer or employee to sign a loan document. The plan is sole for the loan. Further, all the benefits and protections mentioned above are in one policy so there is no wasted premium.

The employer/ee will pay a portion of the benefit-cost approx. 25%and the lender does the rest (partial financing). There are 5 payments and then you have no further cost obligation.

What does Kai-Zen offer?

Approximately 60% more supplemental income vs conventional supplemental retirement plans

Permanent Death benefit both pre and post-retirement

Tax Free death benefit advances for the life of the policy (typically life) to cover

Chronic illness (similar to Long term care)

Critical illness, & Critical Injury

Terminal illness

A plan that is pre-tested to survive Great Depression and 1980’s type interest rate environments.

In short, it covers most of the critical components needed to have the financial protection needed for yourself and your family for the rest of your life while accounting for tough not just good economic conditions.

The result: benefits you never thought you could obtain at a price you can afford.

If this is interesting to you please contact your local Kai-Zen licensed agent or visit our web page www.kaizenplan.com