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Kai-Zen is a financed Executive Bonus program that allows the owner the ability to provide a financed matching contribution to the life insurance policy with no obligation for the loan because the policy cash value of the plan is full security for a loan arranged by NIW.

​It is the only benefit plan where substantial additional money is brought to the table allowing employers to offer benefits that are substantially higher with the same internal budget. It solves the liquidity drain issues associated with self-funding bonus, key man buy sell, etc, plans. Kai-Zen benefits are typically 60% greater than a self-funded plan.