Premium Finance
Premium financing has been used by the wealthy for years to help with estate planning for large estates, in business for succession. With traditional premium financing, the client had to get a loan from the bank, fill out forms, and pledge collateral for the loan.
It took time and included setting up trusts. Today there is a new form of premium financing called Kai-Zen which eliminates all of the challenges of the old premium financing and is now available to many more people and provides enhanced retirement planning and executive benefits.
Benefits of Smart Leverage
No credit checks
No loan documents
No personal guarantees
No interest payments
Benefits of More Protection
Death benefit with living benefit riders
Chronic illness
No personal guarantees
Terminal illness
Benefits of More Growth
Upside crediting (subject to cap)
No negative returns due to market decline
Tax-free distributions with potential to access cash value using tax-free policy
loans.