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Outperform Your Traditional 401K While Avoiding All Market Risks!

CSY5 Provides Secure Life Insurance With both living and death benefits PLUS Up to 3 Times Matched Retirement Contributions.  All Fully Funded Within 5 years!


Starting As Low As $10K

RILA "Registered Indexes-Linked Annuity" offer massive tax benefits in 4 Simple plans customized to meet your goals. Plus, dynamic automatic or manual rate locks set in advance!

Schedule A Live Demo

We Provide Financial Services for Business Owners, Investment Professionals & Individuals. Schedule a 15-minute 1-1 online demo today and "test-drive" the entire program for yourself. Whether your looking to expand your product offerings to clients or you are looking to save more for retirement, our CSY5 plan is the perfect choice for you and your clients.


Protected "Private Pension"

CSY5®Kai-Zen offers upside stock market potential up to the cap, with no downside risk, designed for households with over $100K annual income and healthy individuals between age 18 and 65.

BQ Financial Unique Capacity & Opportunity

Tackle all major money problems with one single solution. CSY5®Kai-Zen.

We’ve developed CSY5®Kai-Zen sales procedure into consequentially manageable 7 processes and can match each agent’s experience & skills to their comfortable developmental processes, allowing BQ Sharing agents to participate in the first of the 7 processes with CSY5 business, by sharing their CSY5 stories productively, to benefit all!

CSY5 clients and their immediate family members automatically become CSY Club members, who may optionally get licensed to participate in sharing economy with CSY5 business, and earn unlimited income, only by sharing their CSY5 stories with other people like themselves, while letting more experienced BQ Mentors to do the rest of sales jobs!

Get Started Now!

What Are Your Financial

Fill Out The Form Below To Learn How You Can Solve All Your Problems In Only 5 Years And Continue To Grow Your Wealth For Generations

Join Us For A 15 Minute Live Demo To Learn How To Gain Financial Freedom The Safe & Secure Way

Why Choose Us

Take The Right Steps To Financial Freedom

  • As a nationally recognized top IMO, BQ Financial has been working with Kai-Zen vendor and insurers well before Kai-Zen’s inspection and has been authorized to co-brand CSY5 with Kai-Zen and translate the Kai-Zen marketing materials since the beginning.

  • BQ Financial tackles more risks and money problems with one single blow solution – CSY5®Kai-Zen in a most effective way! We truly support CSY5®Kai-Zen as a nationally recognized & client trusted multi-carrier IMO since its inception.

Make The Smart Choice

Schedule Your No Obligation Demo Today to Learn How BQ Financial can enhance your current plans in comparison to other investments.

BQ Financial Is At The Highest IMO Level For Our Major Carriers/Products

CSY5®Kai-Zen is Selected from Hundreds of U.S. Based Top Insurers, Made Possible by the joint effort of 5 parties(companies), and Distributed through limited number of Qualified IMOs including BQ Financial.

A comprehensive line of insurance and financial products

Helping you build your net worth

BQ Financial Is The leading General insurance brokerage agency & Top IMO for CSY5®Kai-Zen nationwide!

Sign up below and receive a free starter kit to help you learn more about CSY5 before meeting with one of our agents.

How We Work

Dedicated to Combining the Ideal Aspects of Insurance Distribution in a Unique Way

Finding the suitable channel is of the utmost importance for insurance professionals and customers alike– the first step into a right or wrong door will determine the levels of satisfaction for your future career and/or financial life.
There are 3 main channels for life insurance distribution in the U.S.

Most producers work with one of the above three channels. However, BQNY is an independent BGA that combine all merits of the above-mentioned three channels and select its products from different companies. Therefore, BQNY has the advantages of all the three channels.

This channel focuses on selling proprietary products of only one company. Advantage: generally agents know their products of their own company; Disadvantage: Choice of products is generally limited to their proprietary product and a few others appointed by this company.

Multi-Level Marketing (MLM)

Type 1: focus on selling a single FIUL (Fixed Index Universal Life) product from one single insurer; their philosophy is “Simplify & Multiply”.

Type 2:  focus on selling a few products from 2-3 insurance carriers, often described as “too many layers” of organizational support and customer service.

Independent Brokerage General Agent (BGA)

BGAs recruit licensed producers and train them so that they can offer whatever product suitable for their market through the BGA.

Insure Smart. Enjoy Life.

CSY5Rkai-Zen is a tax free solution to save more money in 5 years with less risk and greater upside potential.

Enhancement: Private Pension & Protections

$ 20K+ Annual Contributions
  • Fully Funded In Only 5 Years
  • 3X Dollar Match
  • No Maximum Contribution Limits
  • Tax Advantage Savings: Potentially double/triple your benefits
  • Livings & Death Benefits

CSY5 Plan

$ 100K+ Annual Income Households
  • Major Investment Loss Rescue
  • 300% Match by Lender
  • Leverage Your Investment
  • Safe With 0% Floor
  • Tested Against 2 Major Risks
  • Tax-Free Return

Enhancement: Cash Value Life Insurance

Tax-Free* Potentially
  • Indexed earnings
  • LONG Guarantee
  • Flexible
  • Return: Fixed + ~2%
  • Using OPM


Common Questions About CSY5®Kai-Zen

More detailed answers can be found on our interactive platform. For more personal questions, contact us.

No, the bank uses the policy as the only security for the loan. The bank must be repaid before you can access the policy’s cash value. There are no loan guarantees. There is no liability outside of the policy itself.

If the loan is still in place at the death of the participant, the lender will be repaid, and the remaining funds will be sent to the trustee to deposit into the trust for the benefit of the beneficiaries. If no loan is in place, funds will be sent to the trustee for disbursement. The trustee will then pay the proceeds to the designated beneficiaries. If you need to access the living benefits while there is a loan in place, you or your family will need to contact the plan administrator or the trustee to help facilitate a smooth loan repayment. Once the loan has been repaid, the participant can work with the carrier to access the living benefits.

Cost of waiting (COW-Kicked) = Lower your benefits

Sample Client Situation:

Gender: Male

Health: Excellent Health

Hypothetical Contribution Total: $40,000/Year (5 years)

Sample Cost of Waiting:

Based on the table above you can see with age increase your benefits decrease tremendously so don’t wait!

Yes, but the bank must be repaid before you can access your policy’s cash value, death benefit or living benefit riders. If you decide to get out of the program, you can either surrender the policy, or pay off the loan and take the extra money. Or, you can take a policy distribution to pay off the loan and use the remaining cash value to keep your policy in force.

All administration and trust costs are charged up front in the five annual contribution payments to cover all 15 years of servicing and trust fees. Administrative fees are “non-refundable.”

CSY5 offers you the following 5 matchless benefits!

  1. Quadruple your contribution/additional 3 times more money added to your contribution
  2. Reduced Market risk, upside potential with no downside risk
  3. Double/triple your income and benefits
  4. Tax-free instead of tax-deferred
  5. 5+1 Insurance protection, Long-term care

You can own a term with living benefits for the first 15 years before the bank loan pay-off. After the bank loan has been paid, your retirement income will no longer be affected.

*Not available for all carriers

By almost quadrupling your contribution, through 3 times more contribution form the lender, without any market risk, you get more money working for you. In addition, with tax-free* loan from the policy for retirement income, being not subject to any future market and loan risk, your benefits will be doubled, even tripled, under the same economic conditions.

Advantage: Easy underwriting for those who can't provide tax report for the required annual income for sufficient number of years and take away the worry of future premium payments.

Disadvantage: The contribution not paid in the policy will be hold in the trust which earns at very little interest, similar to money market fund.

Individuals who:

  • Age between 18* and 65
  • Healthy
  • Annual Household income over $100K
  • Be able to pay 5 years of premium

There are 3 theoretically possible risks:

  • Underperformance of the policy
  • Variable bank interest that increases drastically
  • For CSY5 with income as main purpose, early claim for living benefits before the loan is paid off at the end of 15th year.

We have ways to minimize the risks separately, details included in "minimizing risks" tab on ILIA and the third could be solved with a 15-year term with living benefits!

There is absolutely no possibility of losing ALL YOUR MONEY due to the nature of the FIUL with special design plus upside potentials (with cap) with no downside risk.

As owner of CSY5®Kai-Zen plan, you and your immediate family will automatically become CSY Club members, who are offered an opportunity to launch your own CSY5 Sharing Business with BQ Financial’s unique expertise support. This opportunity is unique only to CSY Club members via BQ Financial.

Club members may choose to get licensed & contracted with insurers through BQ and need to participate only in less than 15% (1/7) of the workflow and sales processes, namely sharing your CSY5 true personal stories and be awarded/easily earning much larger than 15% of agent commissions, plus full increment bonus and full 6 Generation Production Matching Bonus!

You must fulfill the qualifications below:

  • Is a CSY5®Kai-Zen Owner or an immediate family member of a CSY5®Kai-Zen Owner
  • Get licensed with the help of BQ Financial
  • Willing to share your unique CSY5®Kai-Zen experience with people like you!