EMPLOYEE BENEFITS Tri-Zen®

Tri-Zen® is a pre-tax benefit strategy that uses employer contributions and bank leverage to triple premiums into your cash accumulation life insurance policy (IUL). In this unique strategy the policy is used as collateral for the bank loan.

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Why Tri-Zen®

Tri-Zen® is a pre-tax benefit strategy that uses employer contributions and bank leverage to triple premiums into your cash accumulation life insurance policy (IUL). In this unique strategy the policy is used as collateral for the bank loan. These additional contributions greatly enhance the growth potential of your policy, providing more protection and benefits. Allowing for more flexibility in the event of an emergency (chronic, terminal, critical illness or death). Get up to 100% more supplemental retirement income compared to conventional retirement plans.

Value Provided

  • One of the best tax-efficient incentive plans on the market.
  • 3x available cash via leverage.
  • Money invested becomes an asset for the employer.
  • 90% – 110% return compared to self-funded strategies.

Required Qualifications

  • C-Corp and nonprofit organizations.
  • Under 65 in age.
  • 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.
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Estate Planning Comparisons

Life Strategies gives individuals a way to finance life insurance premiums. Covering future estate taxes by allowing the client to pledge collateral instead of paying premiums.

Strategy Name Life Strategies Multi-Gen Premium Finance Rescue Trust Revitalization
Qualifications
  • Your net worth is greater than $10M.
  • You are below the age of 70.
  • You are in good health.
  • You need insurance needed to cover estate tax.
  • You have the ability to pledge collateral.
  • Qualification
  • You have a net worth greater that $25m.
  • You have been rated or determined uninsurable.
  • You are able to obtain insurance on your children or grandchildren who are in good health.
  • You have children or grandchildren that have estate tax exposure.
  • You have the ability to pledge collateral.
  • You have a badly performing premium finance solution.
Benefits For You
  • You keep control of your assets. Assets can grow with minimal opportunity cost.
  • Reduces or eliminates gift taxes.
  • Significantly more effective than paying premiums.
  • Stress tested against the harshest economic conditions.
  • Protects your estate plan over multiple generations.
  • You maintain control of your assets and earnings.
  • Using financing has the potential to reduce your taxable estate.
  • Preservation of financial benefits.