​Substantial Tax Advantages

Tri-Zen® is an affordable strategy that combines the most important aspects of death benefit protection and cash accumulation potential for executives who want to secure their future. Because contributions to Tri-Zen are qualified as pre-tax, bonuses or incentives paid into the strategy have a greater long term value with the potential to grow tax deferred and accessed for supplemental income tax-free at a future date.

Use of Leverage

With most of the money required to finance the strategy coming from a lender, Tri-Zen puts substantially more cash working for you. The 3:1 leverage affords more benefits at a lower cost and the policy’s cash value may also be protected from bankruptcy.

​Benefits Protection

A permanent life insurance policy with accelerated benefit riders* can provide benefits in the case of:
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  • Living Benefits
  • Critical Illness (Cancer, Heart Attack, Stroke, etc.)
  • Critical Injury (Coma, Brain Injury, Paralysis, Burns)
  • Chronic Illness (assistance with daily living, bath, eating, dressing, etc.)
  • Terminal Illness (illness where death is expected within 12-24 months. Term varies by state.)

​Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless there is a need for life insurance.

​Cash Accumulation

  • Upside Crediting Potential (Interest Credited Based On Market Index)
  • No Loss of Cash Value, 0% Floor (Due to Declines In An Index)
  • Potential Growth Tax-Deferred
  • Potential Tax-Free Withdrawals (Access to the Cash Value Using Tax-Free Policy Loans and Withdrawals)

​Policy loans and withdrawals reduce the cash value and death benefit and may result in a taxable event.