Health Insurance
"Built for life’s unexpected turns."

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.

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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.

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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

Empowering through Awareness and Education