Find Your Strategy
Answer a few questions to see the best strategies for your needs and connect with an OakTree Premium Finance representative.
Your custom financing solution:
Kai-Zen® for Funding Liabilities
Kai-Zen® in 5 payments can be used to fund future liabilities and most of the cashflow needed comes from leverage that does not require the business to be underwritten or responsible for the loan in anyway. There is no impact on the business balance sheet at all, and the result future capital needs are funded at approximately 50% of the cost.
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Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Business is not required to be underwritten or responsible for the loan in anyway
- Only requires 5 payments
- No impact on the balance sheet
- Future capital needs are funded at approximately 50% of the cost
Required Qualifications
- Employees combined household income is at least 100k per year
- Employees are between the ages of 18 - 70
- Employees are in average or good health
- Employees can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Keyman
An alternative to traditional term solutions used for Keyman plans, Kai-Zen® covers the risk of death but also creates a pool of cash to fund living scenarios as well.
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Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Creates a pool of revenue for living keyman for when key persons leave, get sick, retire, or die
- Potential for more accumulation for key employees
- Employees can maintain current lifestyle
- More protection for your key employees and their families
- Employees can diversify their assets
Required Qualifications
- Your combined household income is at least 100k per year
- You are between the ages of 18 - 70
- You are in average or good health
- You can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Succession
Kai-Zen® is a great way to fund a succession plan and is unique because it is independent of the company and can provide the agreed funds independently of the business once the partner has left. The ex-partner is comfortable they will get their money and the remaining partners don’t have to worry about shackling the business with cost that is not producing revenue.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Buy outs that don’t rely on the remaining partner funding a buy out from operational revenue
- Good for partners that don’t see eye to eye on a buy out plan
- Doesn’t negatively affect the business costs
Required Qualifications
- Partner combined household income is at least 100k per year
- Partner is between the ages of 18 - 70
- Partner is in average or good health
- Partner can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Wealth Transfer
We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Potential for more accumulation
- Maintain current lifestyle
- More protection for you and your family
- Diversify your assets
Required Qualifications
- Your combined household income is at least 100k per year
- You are between the ages of 18 - 70
- You are in average or good health
- You can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Fixed Income
The problem with fixed income today is that you don’t get any return and you don’t have protection if interest rates rise. Kai-Zen® is over funded to the point where insurance costs become minimal, so you have a massive surplus of cash value. This grows tax deferred and can be accessed through policy loans, which are generally not taxable. However, what’s different is that your payments are just the seed capital. Kai-Zen® then leverages up your contribution, up to three times! Because the policy is so safe, the lender does not need to underwrite you for the loan at all. No contracts, no interest payments no personal guarantees.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Potential for more accumulation
- Maintain current lifestyle
- More protection for you and your family
- Diversify your assets
Required Qualifications
- Your combined household income is at least 100k per year
- You are between the ages of 18 - 70
- You are in average or good health
- You can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Supplemental Income
We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Potential for more accumulation
- Maintain current lifestyle
- More protection for you and your family
- Diversify your assets
Required Qualifications
- Your combined household income is at least 100k per year
- You are between the ages of 18 - 70
- You are in average or good health
- You can contribute a minimum of $22k per year
Your custom financing solution:
Kai-Zen® for Business
Kai-Zen® is a great way to fund a succession plan and is unique because it is independent of the company and can provide the agreed funds independently of the business once the partner has left. The ex-partner is comfortable they will get their money and the remaining partners don’t have to worry about shackling the business with cost that is not producing revenue.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- 60-100% more supplemental income for employees
- Increased lifestyle protections for employees
- More protection for employees and their family
- Allow employees to diversify assets
Required Qualifications
- Employees combined household income is at least 100k per year
- Employee is between the ages of 18 - 70
- Employee is in average or good health
- Employee can contribute a minimum of $22k per year
Your custom financing solution:
Tri-Zen® or Enhanced Split Dollar
Tri-Zen® and Enhanced Split Dollar are pre-tax benefit strategy that uses employer contributions and bank leverage to triple premiums into your cash accumulation life insurance policy (IUL), using the policy as the sole collateral for the bank loan.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- 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
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
Your custom financing solution:
Kai-Zen® for Supplemental Income
We have all used leverage to purchase a nicer house or to buy a better car. Kai-Zen® uses leverage for the potential to accumulate more growth & obtain more protection, while providing the ability to maintain your current standard of living. That’s the smart way to use leverage.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Potential for more accumulation
- Maintain current lifestyle
- More protection for you and your family
- Diversify your assets
Required Qualifications
- Your combined household income is at least 100k per year
- You are between the ages of 18 - 70
- You are in average or good health
- You can contribute a minimum of $22k per year
Your custom financing solution:
Life Strategies
This estate planning strategy allow you to keep control of and grow your assets while potentially leaving more for future generations. Life Strategies allow families more options and flexibility for succession planning, buy-sell agreement, and key man applications. Life Strategies is one of the most well-designed and comprehensive solutions on the market for high net worth families.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Keep control of your assets; therefore, assets can grow with minimal opportunity cost
- Reduce or eliminates gift taxes
- Significantly more effective than paying premiums
- Stress tested against the harshest economic conditions
Required 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
Your custom financing solution:
Cash Stream
An innovative approach to creating funding for long-term employee incentive plans without draining cash flow from the corporation. These proprietary solutions allow the employer to informally fund the executive supplemental retirement, key man, buy sell, and succession planning market in the US.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Required Qualifications
- C Corp organizations only
- 100% financing for those companies that have assets but do not wish to liquidate them to fund contingent liabilities.
- Designs are stress tested for vulnerability.
Your custom financing solution:
Multi-Gen
MultiGen is a multi-generational estate planning strategy for high net worth individuals with a “rated” or uninsurable status. Unfortunately, this status typically makes it hard to use traditional estate planning methods.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Protects the estate plan over multiple generations
- Client maintains control of their assets and their earnings
- Using financing has the potential to reduce your taxable estate
Required Qualifications
- Net worth greater that $25m
- You are "rated" or uninsurable
- Able to obtain insurance on the children or grandchildren who are in good health
- Children or grandchildren have estate tax exposure
- Ability to pledge collateral
Your custom financing solution:
Trust Revitalization
Trust Revitalization is designed for wealthy families whose legacy trusts have become diluted by an increasing number of family members. This strategy replenishes trusts so that funds do not become depleted.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative
Value Provided
- Prolong the ability for the trust to provide benefits to future generations
- Increasing the yield on the assets of the trust - fixed income assets in particular
- Little to no opprotunity cost or asset reallocation required
- Highly tax efficient
Required Qualifications
- You have an existing trust or office
- Over 25 million worth of assets
- A concern that the beneficiaries are taking too many distributions for the trust to continue
Let's schedule a call
You have unique requirements that need some clarification for us to find the right strategy for you. Let’s get you in touch with a NIW specialist to find the perfect fit for your needs.
Schedule an appointment
Jim Barlow
OakTree Premium Finance Representative