NIW Companies specializes in innovative estate, business, and retirement planning solutions for high net worth professionals. Our team combines extensive industry expertise and alternative thinking to offer financial solutions that are high quality, durable, and cost effective. At NIW Companies, we know that value cannot be achieved unless our solutions are truly sustainable in all aspects. This commitment to excellence has enabled NIW to secure over $4 billion in loans and to achieve the highest persistency rate in the insurance industry. NIW Companies is the creator of the innovative Kai-Zen strategy. Kai-Zen combines bank financing and contributions made by an employer or executive to maximize retirement benefits. These benefits include cash to supplement retirement income, cash for a chronic disability, cash for chronic care, long-term care, or a terminal illness, and ability to be used as a tax free death benefit for heirs. Contact NIW Companies at info@kaizenplan.com or 800-294-9940.