Non-Recourse Premium Financing – Financial Markets Inc

Producer Marketing Materials

Kai-Zen Great Wealth Transfer Qualifications

Kai-Zen Paying Interest Agent Brochure

Kai-Zen Tri-Zen Extended Brochure

Kai-Zen Plan

Kai-Zen® is the only strategy that provides the opportunity to add up to 3 times more money to fund a cash accumulating life insurance policy. Client contributions and the policy provide the security needed to obtain the loan and participation is easy. Kai-Zen® was designed to minimize expenses and maximize the potential for accumulation. We then combined it with leverage to provide the potential for 60-100% more:*

Benefits of Smart Leverage	Benefits of More Protection	Benefits of More Growth
No credit checks. No loan documents. No personal guarantees. No interest payments.	Death benefit with living benefit riders. Chronic illness. Terminal illness.	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.

Estate Planning
Estate planning strategies designed to pass tax-free wealth to heirs and provide liquidity for estate taxes.

Life Strategies – Clients with a net worth greater than $10m who need estate planning.
Multi-Gen – $25m + net worth who need estate solutions over multi generations.
Premium Finance Rescue – Clients who are concerned with their existing plans.
Trust Revitalization – For family trusts worried about wealth dilution.
Great Wealth Transfer – Gifting premium to adult children.

Personal Planning
Lifestyle preservation strategies designed for more supplemental retirement income, life-insurance protection, and alternative tax advantage asset allocations.

Kai-Zen® – Supplemental income for those earning over $100,000.
Enhanced Split Dollar – Supplemental income for those earning over $100,000 and working in a C-Corp or non-profit.

Business Goal
All business leaders know issues such as recruit & retain, buy/sell, key-man, and succession plans are important. We have a unique solution for that.

Kai-Zen® For Recruit Retain
Kai-Zen® For Keyman Plan
Kai-Zen® For Partner Buy Out
Kai-Zen® For Succession Plans
Kai-Zen® For future liabilities such as deferred compensation.
Tri-Zen® – Pretax benefit for C-Corps and non-profits.
CashStream – 100% financing to fund employee benefits.

*The Kai-Zen® Strategy is dependent on the client making contributions for the first 5 years therefore not defaulting on the policy, which could result in policy lapse and surrender charges. The client will not have access to the policy, the cash values, the death benefits or the living benefits until the loan is repaid and the assignment is released. The lender has the right to discontinue funding new premiums, exit the market, or to demand loan repayment based on the terms and conditions signed by the Master Trust. See the Master Trust documents for additional information. There are some exceptions to this rule. Please consult a tax professional for advice concerning your individual situation.