Kai-Zen & Tri-Zen


Kai-Zen is a strategy that uses premium financing1 to help you purchase large amounts of life insurance.  Permanent life insurance can help your family or business continue on financially in the event of your death, and if correctly designed could also help you maintain your current lifestyle in the event of a serious illness through the use of living benefits2. Permanent life insurance also has the potential to accumulate cash value.  If sufficiently funded, this could be accessed through policy loans and withdrawals to provide tax-free supplemental retirement income.3   Loans and withdrawals from life insurance cash value are not included in taxable income or towards the income that is used to calculate Medicare premium taxes (IRMAA), as long as the policy remains in force

Using premium financing to fund life insurance may offer you  the potential to obtain more protection and cash value accumulation potential than you might if paid for from existing assets or income4.  Contact me to learn more about this powerful life insurance and retirement income strategy.


Tri-Zen is an executive benefit strategy built upon the Kai-Zen platform. It is suitable for C Corporations and not-for-profit organizations. It allows employers to offer benefits strictly for their key personnel and highly compensated employees while using the corporate tax bracket (21% or 0% Federal) to reduce costs.  Contact me to find out more.


1 Premium financing is offered and managed by an independent third company.  The life insurance companies that issue the polices financed are bound only by the terms of the life insurance policies that they issue. 

2 Living benefits are provided by optional Accelerated Benefit Riders.  Payment of Accelerated Benefits will reduce the Cash Value and Death Benefit otherwise payable under the policy.  Receipt of Accelerated Benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits.  Please consult your personal tax advisor to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment will affect you.  Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance.  Riders are optional, may require additional premium and may not be available in all states or on all products.  This is not a solicitation of any specific insurance policy.

3 The use of cash value life insurance to provide a resource for retirement assumes that there is first a need for the death benefit protection.  The ability of a life insurance contract to accumulate sufficient cash value to help meet accumulation goals will be dependent upon the amount of extra premium paid into the policy, and the performance of the policy, and is not guaranteed.  Policy loans and withdrawals reduce the policy’s cash value and death benefit and may result in a taxable event.  Withdrawals up to the basis paid into the contract and loans thereafter will not create an immediate taxable event, but substantial tax ramifications could result upon contract lapse or surrender.  Surrender charges may reduce the policy's cash value in early years.

4  Premium financing relies on internal policy funding to pay back the loan.  This is not guaranteed and results may be more or less favorable than illustrated.  The ability to internally fund a life insurance contract will be dependent upon the performance of the contract and is not guaranteed.  If remaining policy values and scheduled premiums are insufficient, additional out-of-pocket payments may be needed to keep the policy in force or to repay the loan.