Advanced life-insurance planning
CSY5® Strategies
CSY5® is BQ Financial’s advanced life-insurance planning family incorporating two independently structured institutional-financing solutions—Kai-Zen® and Stream—to help qualified clients coordinate retirement income, lifetime protection and wealth-transfer objectives.
Two Independent Strategies.
One BQ Planning Process.
CSY5® brings advanced strategies into one evaluation framework so qualified clients can understand the differences before deciding whether either approach belongs in their plan.
CSY5® Kai-Zen Series
Institutional leverage with a long operating history
Current Simplicity material describes Kai-Zen as a leveraged IUL strategy using bank-match leverage and emphasizes features including no personal guarantees, no out-of-pocket interest expense and no credit checks in its current offering. Simplicity also promotes it specifically as an advisor differentiation and supplemental-retirement strategy.
CSY5® Stream Series
An independently structured premium-financing alternative
Stream currently describes its approach around tax-advantaged life-insurance benefits, leverage, no personal guarantee/collateral from the client, Stream acting as guarantor, and downside floor protection associated with the underlying IUL structure. Its published explanation also shows financing occurring over multiple policy years rather than treating it as a conventional one-time loan.
