1. Three Steps to Closing the Sale!
For Allianz Life Only
FOR AGENT USE ONLY

2. Step 1 Medical Underwriting for an Informal Offer
Kai-Zen works best if client is rated Standard or Better with the carrier. Doing an informal medical review let’s you know up front and avoids client paying for a trust they cannot use if they don’t move forward with the plan.

3. Allianz Income and Net Worth Requirements for Kai-Zen Cases…
Income of $400K
Or Income of $200K-$399K AND Net Worth of at least $500K
Or Income of $100K- $199K AND Net Worth of at least $1MM
Medically rated as standard or better
Age
*Please make sure your client fits the profile(s) above before submitting a case.
Allianz will not reimburse your costs for ordering medical exam/APS’s unless
case closes.

4. TO SUBMIT CASE TO ALLIANZ
INFORMAL FORMS NEEDED
TO SUBMIT CASE TO ALLIANZ
DOWNLOAD. The forms below from
Cover Letter for Allianz Informal
Informal Sheet for Allianz Life
DOWNLOAD. The forms below from
Hipaa Form (NB3046-WS)
*If the agent is not licensed with Allianz to write business in the state of Nevada they
may submit the informal application, but MUST get licensed in Nevada PRIOR to
submitting the formal application because the trust owning the policy is domiciled in Nevada.

5. Allianz Cover Letter Insured/client first and last name
Agent first and last name
Allianz Income and Net Worth REQUIREMENTS
for Kai-Zen
FORMAL Application will be NEVADA for all
Kai-Zen cases as Trust is in Nevada
IMPORTANT – IF AN EXAM OR MEDICAL RECORDS ARE
NOT SENT IN WITH THIS INFORMAL COVER LETTER OR
AT LEAST AN EXPECTED DATE OF EXAM AND NAME OF EXAM
COMPANY – ALLIANZ WILL NOT REVIEW THE CASE.
Note* if the client is between years of age and is applying
for more than 3Million in death benefit APS’s will be required

6. Allianz Informal Application/Sheet
Please complete ALL blanks.
Face Amount – has to minimum of $1.5M for
Kai-Zen cases – can be more
What are considered “Liquid Assets”
Cash
Property immediately convertible to cash:
Securities
Notes
Life insurance policies with cash surrender values
U.S. savings bonds
Account receivables
Once this list has been complied for the prospective client total up the “liquid assets” and write the number, in the space provided.
Please be sure and forward to and NOT to Allianz directly – they will not process unless it comes through Kai-Zen Plan/NIW first.

7. HIPAA John Smith 04/15/1976 Print First and Last Name Date of Birth
Sign
Date signed
Proposed Insured Signature
Date Signed
Self

8. Submit Informal to get Medical Offer
The Cover Letter, Informal Cover Sheet and HIPAA should be
submitted directly to for review.
Kai-Zen Plan/NIW will review to make sure complete and client
qualifies per Allianz requirements – then we will submit to Allianz.
Please make sure lab slip and barcode are included or copy of exam
– Allianz will not review an informal without the full exam/labs
OR Medical Records.

9. Congratulations Step 1 of the Enrollment Process is done
Once you receive your informal medical offer, start Step 2 of the Enrollment process

10. Step 2 (For Allianz Only) Final Illustration and Kai-Zen Proposal for Client Your client got an offer of standard or better*….now you need the customized illustration and proposal to close the sale! Contact NIW for your customized illustration and Kai-Zen proposal. Please include Name, Gender, DOB, Death Benefit Amount and Medical Rating *In some cases Kai-Zen works for substandard medical ratings, contact NIW for special cases to see if your client would qualify

11. Customized Kai-Zen Proposal
Pages 5 and 6 from Kai-Zen proposal
Please check to make sure your client info (name, age, DB amount) is correct
Contribution amount for your client

12. NOW IT’S TIME TO MEET THE CLIENT,
STEP 3
(FOR ALLIANZ ONLY)
NOW IT’S TIME TO MEET THE CLIENT,
SIGN THE PAPERWORK
AND COLLECT A CHECK

13. Download the forms below and meet with your client to close the sale.
CLOSING THE SALE!
Download the forms below and meet with your client to close the sale.
Kai-Zen forms are located on under Agent Login. Allianz forms are located on
Kai-Zen Insurance Trust (please make sure you have the most current trust – trust documents change each tranche)
Kai-Zen Acknowledgement and Disclosure
Kai-Zen Master Trust (for client review only – does not need to be completed)
Allianz Formal Application and forms (see list next page)
Kai-Zen Enrollment Checklist (shows how to make check payable)
Kai-Zen Premium Finance Disclosure for Allianz
Please see next pages of this tutorial for SAMPLE documents shown on the above list

14. Allianz Application and Related Forms required for Kai-Zen Cases
For Allianz forms go to or work with your General Agent/FMO to obtain.
State of Nevada application/worksheet form NB5056-R11, also know as Life Insurance Worksheet (the Kai-zen Trust is domiciled in State of Nevada - therefore agent must be licensed in Nevada PRIOR to taking a formal application)
Producer’s Report – Form NB
Personal Financial Questionnaire – Form NB2012P
Replacement Packet – Nevada – Form NBAL0013-NV (if replacement is involved)
See next few pages for sample “filled out” forms
Other forms may be needed on a case by case basis

15. Kai-Zen Insurance Trust (example only) Page 1 Name of trust is normally the “Insured’s name” Insurance trust and insured is normally the settlor of the trust Please date the trust as you complete – all trusts MUST have a date or they are invalid Please make sure and complete ALL blanks including dates and initials at the bottom of each page

16. Kai-Zen Insurance Trust (example only) Page a – select one – most common is Executive Bonus Plan – make sure to have client initial next to selection and bottom of the page

17. Kai-Zen Insurance Trust (example only) Page 3
Settlor of the trust is NORMALLY the insured – unless the purpose is keyman or buysell
Trust protector – normally for a REVOCABLE trust since the settlor is the insured – you do can waive – trust protectors are usually used for Irrevocable trusts

18. Kai-Zen Insurance Trust (example only) Page 4
Most of the trusts for Kai-Zen are Revocable because the insured is looking to take income from the policy for supplemental retirement income – if trust is Irrevocable income taken out may be taxable
Please make sure insured/settlor initials bottom of each page

19. Kai-Zen Insurance Trust (example only) Page 5
Part iii – name of insured person and the amount of the death benefit
Part iv – input annual client contributions – found on the Kai-Zen proposal – see page 11 of this tutorial

20. Kai-Zen Insurance Trust (example only) Page 6
John Goodwin
100
Contingent – Stacy Goodwin – Daughter
This part tells the trustee how to distribute the death benefit once the insured passes away. If the insured/settlor wants to have a contingent beneficiary have them write PRIMARY next spouse and then CONTINGENT and the percentages below that

21. Kai-Zen Insurance Trust (example only) Page 7
This page needs to be left blank unless the purpose of the trust/insurance is for key person or buy sell

22. Kai-Zen Insurance Trust (example only) Page 8
#ii at the top of the page should be the primary beneficiary
Distributions – Living Benefits – who settlor wants the trustee to pay any living benefits and/or income to – normally this will be the insured/settlor
Directs the trustee on how to pay any distributions – normally since insured is settlor and the trust is revocable – the settlor/insured would direct the trustee. Trustee would need sole discretion in example of Irrevocable trust

23. Kai-Zen Insurance Trust (example only) Page 9 & 10
Nothing to sign on these two pages just make sure insured/settlor initials BOTTOM of every page – just have insured review

24. Kai-Zen Insurance Trust (example only) Page 11 & 12
More review for insured/settlor – nothing to sign – but do need to INITIAL bottom of pages

25. Kai-Zen Insurance Trust (example only) Page 13 & 14
More review for insured/settlor – nothing to sign – but do need to INITIAL bottom of pages

26. Kai-Zen Insurance Trust (example only) Page 15& 16
Please make sure and have insured/settlor DATE and SIGN this page – and again initial bottom of BOTH pages 15 & 16. Trustee signs page 16. Only need to notarize if the trust is IRREVOCABLE

27. Kai-Zen Acknowledgement /Disclosure (example only) Page 1
Insured completes name and address – and reviews

28. Kai-Zen Acknowledgement /Disclosure (example only) Page 2 & 3
Page 2 - disclosures insured should review. Page 3 more disclosures – Assistance of Personal Advisors #13 – is OPTIONAL

29. Kai-Zen Acknowledgement /Disclosure (example only) Page 4
Signature page of Acknowledgement and Disclosure – please have Print name, Date and Sign

30. Allianz Worksheet Application and Forms

31. Allianz Worksheet Application and Forms

32. Allianz Worksheet Application and Forms

33. Allianz Worksheet Application and Forms

34. Allianz Worksheet Application and Forms

35. Allianz Worksheet Application and Forms

36. Allianz Worksheet Application and Forms

37. Allianz Worksheet Application and Forms

38. Allianz Worksheet Application and Forms

39. Allianz Worksheet Application and Forms

40. Allianz Worksheet Application and Forms

41. Enrollment Checklist

42. Enrollment Checklist