Company Employee Retention and Recruitment of Top Talent is one of the biggest challenges for employers. 70% of employees leave within 5 years. A Pulse survey found that 78% of today’s business leaders rate retention and recruitment as one of their top concerns.   “Failing to hire consistently great people…will actually impede your great performers from staying great performers,” according to the survey.

The premium finance strategy is a platform that will help you create an environment of appreciation, financial security, and engagement for your executives and team members and will ensure a significant competitive advantage recruiting and retaining top talent.

The collateralized proprietary leveraged strategy design depending on the individual case maximizes a lifetime future tax-free income 200% x 300% times that employees present qualified plan, and transfers a legacy. Leveraged accelerated excess growth which cannot be lost, is a unique feature of this premium finance design.

The NON-TAXABLE INCOME PLAN ONE also under the Heading “STRATEGIES” is our most flexible offering with a No Collateral Design. Plan One has Significant Additional Benefits for Eligible Employers and Employees, and can potentially have outstanding enhanced income benefits for the employer and employee.

A no collateral design is also available from Kai-Zen (TAX-FREE INCOME PLAN TWO) which may increase the income from that employees present qualified plan as a future income by at least 60%-100%. Health Benefits such as Chronic Illness, Injury and a Legacy may also be  included for the employee as part of the Retirement Plan at No Additional Cost.

Cayman Capital will advise and help you choose the best plan for your business. 

      • Why Put less Money into your qualified Plan? Choose to use that TAX-DEFERRED Money, for our LEVERAGED SAVINGS PLAN with a TAX-FREE and Maximized Income, for either a Supplemental Maximized Tax-Free Income, or as a Leveraged Savings Retirement Plan with a Maximized Tax-Free Income.
  • More Earning Power and Better Tax Incentives than Deferred Money from a Matching Employer Retirement Plan.
  • The No Collateral or Collateralized Premium Financing Strategy for KEY EMPLOYEES is an Excellent Option for the Eligible Individual Client or Business Owner as a Supplemental Tax-Free Maximized Income, or a Supplemental Leveraged Savings Retirement Plan with a Tax-Free and Maximized Income.​

​​​This is a powerful customized employee supplemental income or supplemental retirement income plan. The money from the supplemental retirement income plan can be accessed before age 59 1/2 with no penalties. No I R S Contribution and Benefit Limits like 401 K, IRA, Cash Balance or Defined Benefit plans. No 401 K or IRA 33% tax-deferred liability. No Payroll Salary Deductions or I R S Qualified Plan Reporting and Disclosure Requirements. No Excess Earnings Limitations.

  • Eligible companies with C-Suite Employees or other Key Employees and the Company Owner, can similarly benefit from the supplemental retirement income plan design.
  • When the Company utilizes a premium finance design, recruitment and retention of C-Suite and other key employees is virtually guaranteed. In today’s business world employee turnover is high especially in the Tech industry.
  • Replacement cost in the Tech industry is more than double that persons annual salary.
  • This strategy is more powerful and significantly less costly and more cost effective than rewarding bonuses or stock options or Restricted Stock Units as taxable compensation for length of employment.

​This is because this strategy will promote stronger company loyalty. This strategy is a maximized tax-free bank guaranteed future income at least twice or three times that employees present salary.

This reassures dignity, financial security and peace of mind where the client can have a chance to live better tomorrow than they do today.

Universities and private schools have also benefited from the premium finance strategy as a platform to retain high quality professors or a valued coach.

  • Fully vetted by major banking institutions and insurance carriers.
  • The client pledges collateral which is usually 10-15% of the insurance premium.
  • Over 1,600 client policies, totaling over $9 billion in transactions, with clients never writing a single check unless that is their choice. Paying some of the low-interest bank loan at your discretion will further boost income and death benefit. In some cases paying part of the interest can be a deductible expense.
  • The insurance policy can never default. The bank will stay in for the life of the client. Money is leveraged without the following risks. Downside protection with a floor of 0% guarantees protection from any loss of principal and that the policy cannot lose money from market loses. Policy only participates in the upside potential of the market.
  • Company shows no debt on the Balance Sheet. The cash value in the insurance compounds faster than the loan rate so collateral is released in a few years when the cash value of the policy is the same as the collateral.
  • Company enters into an agreement to transfer control of the policy which is held in a Trust for the employee at an agreed upon date in the future. The loan is given to the entity and not to an individual. The company determines the employee vesting period and policy terms for this benefit.
  • Because of this proprietary premium finance design, there is no gifting required to transfer the ownership of the policy to the employee. There is no cost of insurance to the employer. This is because the employer never put any money into the Trust to fund the premium. As a loan the employer saves FICA expenses.
  • The plan eliminates eliminates a company expense instead of taking a deduction thereby improving EBITDA. (Earnings Before Interest Taxes Depreciation Amortization)
  • The company owns the policy as an asset until the policy transfers to the employee or can retain the policy as an asset if the employee leaves the company before becoming vested.
  • This type of policy is called “COLI” Company owned life insurance, and is also a standard profitable business practiced by all banks. Bank owned life insurance “BOLI” usually accounts for 12-15% of a bank’s total equity.
  • The company has the freedom to have a discretionary shared arrangement of the death benefit with the employee. Many corporate clients have selected a 50-50 arrangement for this option. Up to 30 x annual salary to each employee for a death benefit.
  • Employee receives tax-free loans as a source of supplemental income or as supplemental retirement funds and a significant net of loan death benefit. The death benefit is always exceeding the loan and is an increasing amount to cover the interest portion of the loan.
  • If the Client Choses to Pay a Portion of the Interest on the Bank Loan this will Significantly Increase Income and the Legacy. Depending on certain factors and individual circumstances, the INTEREST for PREMIUM FINANCING can a deductible business expense.  ( IRC 264 (e) (1) “et al.”)
  • Guaranteed Issue for the Company on an Individual Basis. This means an Employee Not Eligible for Insurance Coverage Because of a Medical Condition Can still Benefit from the plan.
    ​The premium financing alternative can complement or selectively eliminate an individual qualified plan that is costly for the employer.
  • When substituted for a qualified plan the employer saves the administrative costs of that plan and saves the expense of a significant amount of money for employee retirement benefits.​​ The employer additionally will have no liability for benefits. Also see if your present qualified plan is eligible for a QUALIFIED LEVERAGED STRATEGY.