Premium Financing

The Kai-Zen Plan

If you are like most people, you’re only able to afford a portion of the benefits that you truly need. Kai-Zen is the best answer for leveraging your current cash flow. 

Kai-Zen uses a combination of client contributions and a bank loan that delivers the following benefits 

• Approximately 60% more supplemental income versus other conventional retirement plans
• Bank financing provides approximately 75% of the contributions, thereby reducing costs and increasing benefits
• A bank loan that uses the policy’s cash value and client contributions as its sole collateral
• Tax-deferred growth within the IUL policy
• Tax-free supplemental income (from policy loans)
• Permanent tax-free death benefit from inception
• Policy is bankruptcy and creditor protected
• Living benefits can accelerate receipt of the permanent death benefit (after loan repayment) to cover:

                       Terminal illness 

                       Chronic illness

                       Critical illness

                       Critical injury 

The Kai-Zen plan is exclusively offered by Simplicity/NIW. Jemstone Financial Services is pleased to function as one of their preferred national agencies. 

Kai-Zen is a proactive strategy providing extra capital upfront to enhance the potential to add significant tax-free funds to your retirement income and added protection for your family. This plan provides nearly three-to-one leverage, avoiding a drain on your current lifestyle, while protecting your future income in the event of chronic illness, premature death, or inability to sufficiently save for retirement.

Jemstone Financial Services is pleased to offer this uniquely designed cash accumulation life insurance policy. While employing minimized costs, fees, and expenses, the excess premiums accelerate growth. Within the policy, cash values are compounding due to interest crediting potential based on a market index. Our clients’ funds are not at risk of any market loss due to the zero floor. Gains are realized when the market climbs, but funds will never diminish due to market loss.

A master trust monitors the entire contract. Our clients are not party to the loan. Therefore, our clients will sign no loan documents, will not undergo credit checks, will not be required to offer personal guarantees, and will not be required to pay out-of-pocket interest payments. The Kai-Zen plan aggregates funds from multiple policies, thereby resulting in a very low cost of money. This is a quite profitable, safe loan from the bank.

Among the vast advantages of the Kai-Zen plan, are these three:

• Clients receive 60% to 100% more tax-free income during retirement years,
• Policy beneficiaries receive substantially larger tax-free death benefits, and
• Policy holders are provided significant Living Benefits enhanced by the leverage.

The link provided below provides access to our interactive website further explaining this amazing financial strategy. At this site, please feel free to explore what benefits you and your loved ones could realize by employing the Kai-Zen plan.