Health Insurance

Health solutions that safeguard your strategy.

Ai Merchantry through a comprehensive suite of health insurance products, resources, and expert training,equips agents and advisors to address current and future healthcare needs that could impact a client’s financial well-being—supporting the development of truly holistic, forward-thinking financial strategies.

Long-term care

What is Long Term Care Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

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Disability Insurance

What is Disability Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

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Critical Illness Insurance

What is Critical IIIness Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

Learn MoreWatch Video

Accident Insurance

What is Accident Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

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Hospital Indemnity Insurance

What is Accident Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

Learn MoreWatch Video

Dental, Vision, and Hearing Plans

What is Accident Insurance and how does it work?

Kai-Zen™ is a strategy that uses leverage to help fund an IUL insurance policy. Put another way, it is the "mortgage equivalent" for generating supplemental income distributions. We don't think twice about using a mortgage to purchase a better house than we could with our cash alone. Kai-Zen® is the same logic of borrowing to generate more supplemental income and is secured by a different asset.  

By using the IUL insurance product designed in the unique Kai-Zen® way to accumulate cash, the plan allows the lender to lend on an asset that is even safer than lending on a house. Because the loan is safe for the lender, you are not the direct borrower of the loan, unlike a mortgage for a house. Statistically, the extra money contributed to the plan, gives participants 60%-100% more distributions later, compared to a self-funded plan.

Learn MoreWatch Video

At its core, wealth management is about more than just managing finances—it's about helping individuals, families, and business owners achieve long-term financial security and peace of mind. Guided by our unwavering commitment to integrity and education, we take a personalized approach that aligns with your unique goals and values.

Empowering through Awareness and Education

Integrity as a Guiding Principle Honesty and transparency are at the heart of everything we do. We provide straightforward, objective advice that prioritizes your best interests, ensuring that every step we take together builds trust and strengthens our partnership.