Three Steps to Closing the Sale For Allianz

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

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.

Allianz Income and Net Worth Requirements for Kai-Zen Cases… Income of $400 K Or Income of $200 K-$399 K AND Net Worth of at least $500 K Or Income of $100 K- $199 K AND Net Worth of at least $1 MM Medically rated as standard or better Age 18 - 65 *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.

INFORMAL FORMS NEEDED TO SUBMIT CASE TO ALLIANZ DOWNLOAD. The forms below from www. kaizenplan. com ü Cover Letter for Allianz Informal ü Informal Sheet for Allianz Life DOWNLOAD. The forms below from www. allianzlife. com ü Hipaa Form (NB 3046 -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.

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 60 -65 years of age and is applying for more than 3 Million in death benefit APS’s will be required

Allianz Informal Application/Sheet Please complete ALL blanks. Face Amount – has to minimum of $1. 5 M 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 info@kaizenplan. com and NOT to Allianz directly – they will not process unless it comes through Kai-Zen Plan/NIW first.

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

Submit Informal to get Medical Offer The Cover Letter, Informal Cover Sheet and HIPAA should be submitted directly to info@kaizenplan. com 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/copy of exam and/or barcode are included – Allianz will not review an informal without the full exam/labs OR Medical Records.

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

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 (info@kaizenplan. com) 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

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

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

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

Allianz Application and Related Forms required for Kai-Zen Cases For Allianz forms go to www. allianzlife. com or work with your General Agent/FMO to obtain. Ø State of Nevada application/worksheet form NB 5056 -R 11, 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) Ø Producer’s Report – Form NB 5089 -01 Ø Personal Financial Questionnaire – Form NB 2012 P Ø Replacement Packet – Nevada – Form NBAL 0013 -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

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

Kai-Zen Insurance Trust (example only) Page 2 4 a – select one – most common is Executive Bonus Plan – make sure to have client initial next to selection and bottom of the page

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

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

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

Kai-Zen Insurance Trust (example only) Page 6 John Goodwin 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 Contingent – Stacy Goodwin – Daughter 100

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

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

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

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

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

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

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

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

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

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Allianz Worksheet Application and Forms

Enrollment Checklist

Enrollment Checklist