7900 International Drive #300, Bloomington, MN 55425

What is Kai-Zen?

Kai-Zen is the ONLY strategy that uses leverage to help you acquire more of the benefits you need to financially protect you and your family. Its unique fusion of financing and life insurance offers you more protections and the potential to earn more for retirement than you could obtain without leverage.

Kai-Zen is a strategy that helps you maintain your current lifestyle in the event of a chronic illness, premature death, or an inability to sufficiently save for retirement.  Protecting your earnings is critical to insuring your ability to save for retirement. Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.

Kai-Zen is the ONLY strategy that uses leverage to help you acquire more of the benefits you need to financially protect you and your family. Its unique fusion of financing and life insurance offers you more protections and the potential to earn more for retirement than you could obtain without leverage.

The ABIL Plan Funding Future Liabilities with OPM (other people’s money)

Imagine the ability to fund for a future liability – retirement, death benefits, estate transfer, business succession, employee pension or OPEB liabilities, philanthropy in equitable and sustainable funding – using OPM (other people’s money).

We do it all the time – we borrow money to purchase houses and cars even though we may have enough money to pay cash. Why? Leverage. We routinely leverage OPM because our own money can be more beneficially deployed in other ways – building businesses, purchasing inventory or investing. Similarly, using financing to pay for insurance is not a new or unique concept and allows for scarce dollars to be put to their highest and best use for optimal return.

The VAULT Health Plan

VAULT is a comprehensive, multi-disciplinary and integrated health care strategy designed to reverse the tide of rising health care costs for employees and Employers.

By understanding insurance companies and how they price risks, the innovative design of The VAULT Plan provides employees more comprehensive benefits, with less out-of-pocket risk while reducing costs by 15-40% for both Employers and employees.