NIW Corp - The Sponsor of the Program

NIW first emerged as a leader in premium finance in 2000. Since then, the company has focused on financed insurance solutions mainly in the US market. Due to the success of their flagship product Kai-Zen (Japanese for “good change”), there is also interest for opportunities in Asia.


As a company, NIW combines long time industry experience with conservatism to create financial solutions that are focused on sustainability. NIW uses financed insurance to reduce clients’ out of pocket costs, and are specifically designed to stand the test of time.



  • Has financed life insurance for the last 20 years, including during the 2009 banking crisis

  • Works with many of the largest lenders in the world

  • Has facilitated over $5 Billion of loans with the lowest failure rate in the industry

  • Is known for the most economically sound and sustainable financed solutions in the life insurance market



To meaningfully and sustainably improve the estate or retirement situation of our clients while changing the culture of the life insurance industry to more sustainable, client-centered solutions.


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.



  • 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

Please click on this link NOW to view a short video and obtain a quick estimate of the benefits you could achieve from our program. Come back to this site after completion. Thank you!

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