Kaizen
For highly compensated professionals, protecting earnings is critical to saving for retirement. Due to limitations, traditional retirement plans are typically insufficient for high income earners. If highly compensated professionals wish to maintain their lifestyle in retirement, they require a proactive strategy that puts more money toward protecting future income without putting a drain on current finances.
Kai-Zen is a strategy that helps clients maintain their current lifestyle with an index life insurance policy that provides death benefit protection and living benefits in the event of a serious illness, premature death, or an inability to sufficiently save for retirement. Kai-Zen is one of the ONLY strategies that uses leverage to help clients acquire more of the insurance benefits they need to help financially protect their futures. Kai-Zen’s unique fusion of financing and life insurance offers more protections and the potential to earn more for retirement than could be obtained without leverage.
Value
- 60% better supplemental retirement income versus self-funded alternatives
- Average fees are lower than most benefit plans
- Not affected by future income or if capital gains tax rises
- Offers additional key protection(s) against potential life disasters such as critical, and chronic illness
- The loan is secured solely by the policy’s cash value, which means there is no loan underwriting or loan obligation outside of the plan itself
- Stress tested to survive the Great Depression or high-interest rate scenarios unlike most other alternatives
Client Profile
- Highly compensated personnel below age 65
- Earning $200,000+ per year*
- Standard or better health
*if premium is paid by employer, $100,000 per year will be considered on a case by case basis.
Trizen
Tri-Zen is an pre-tax benefit strategy for C-Corporations and not-for-profit organizations that uses financing to offer a wide range of benefits. Because most of the money required to finance Tri-Zen comes from a lender, Tri-Zen brings substantial new money to the table in order to afford more benefits. This means that employees are able to afford coverage beyond what they would purchase for themselves. As an added bonus, with Tri-Zen all of the funds spent are an asset to the company.
- Pretax contribution into the plan
- 3x leverage, no loan underwriting
- Tax-deferred growth
- Tax-free policy loan out
- Vital protection of death benefit, critical illness, or chronic illness
Value
- Truly one of the best and most tax-efficient incentive plans on the market
- 3x leverage increases the amount of cash available
- Money invested on the plan becomes an asset for the employer
- Typically 90% – 110% better return versus self-funded strategies
Client Profile
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- C Corp and nonprofit organizations
- Under 65 in age
- Earning $200,000+ per year*
- Standard or better health
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Testimonials
Here’s what just some of our clients have said
I have been meaning to relay my gratitude to you for all the help and guidance that you have been providing along with the continued good handling of issues as they arise around the several 401k client plans we have been working on together. Your insight, mastery, and professionalism have made things a delight. Thank you for all the help! My processes and approach have been enriched because of your guidance and subject matter expertise. And for that, I am enriched professionally and personally. May I someday be able to pay it forward.
John Walsh — Columbus, Ohio
The Annuity Team at CPS is best in class! The knowledge and know-how they possess is far superior than any other firm I have worked with. I very much appreciate the support they provide me.
Kayoko Nihei
We partnered with CPS in 2014 and not only has it been pleasant but also an extremely educational experience. They are key to our agency and have the tools necessary to meet the needs of our clients. Their team is exceedingly knowledgeable and will give you step by step guidance on completing applications, quoting, and electing the right carrier for your clients. They have been a game changer for our agency and we look forward to continuing our business relationship with them for years to come.
Adam Beach, President of Beach Financial Group
CPS is superb to work with. We appreciate their prompt responses, attention to detail, and expertise from running illustrations to finalizing a policy. Customer services at its finest! We have found CPS to be a “5 Star” rating and highly recommend working with CPS.