Save 3X More Than Your 401K With access to tax free cash!
About BQ Financial
Investing Made Simple Since 2002
BQNY is an insurance brokerage & general agency established in 2002. As the top IMO for CSY5®KaiZen nationwide, we provide private pension and retirement protections and other insurance and financial products from top U.S. insurers for Premium Financing, Life, Annuity, and Medicare.
Whether you are a customer or financial professional, BQNY will sure be able to offer you something you need.
Our flagship product, CSY5, specially designed to survive the hardest economic conditions for middle class household with $100K annual income or more, offers the following unique features:
Why Choose Us
Take The Right Steps To Financial Freedom
BQNY focuses on selecting true life insurance policies that can be used when you are still alive: you can enjoy the “benefits” of a tax-free income of $100,000 per year after you retire, rather than leaving the benefits to others after your death.
The life insurance sold by other agencies focuses mostly on the “death claims” and “death benefits”. After all, it is important to take good care of yourself before you can care about others. The tax-saving retirement income plan C$Y® exclusively patented by BQ Financial , is the first choice for business owners, executives, and professionals who have annual incomes of more than $100,000.
The CSY®’s benefits include: retirement income (tax-advantaged), protection for critical, chronic (in need for Long-Term Care), and terminal illness, death benefits and many other benefits. Our products are unparalleled and very popular throughout the United States, the company provide unique insurance and financial solutions for thousands of clients over 20 years.
BQ Financial Is At The Highest IMO Level For Our Major Carriers/Products
CSY5 is Selected from Hundreds of US-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!
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How We Work
Dedicated to Combining the Ideal Aspects of Insurance Distribution in a Unique Way
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 (National Life); 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. BGAs represents whatever products suitable for their market.
Insure Smart. Enjoy Life.
CSY5 is a tax free solution to save more money in less time with less risk and greater upside potential.
Individual Retirement Enhancement
Fully Funded In Only 5 Years
3X Dollar Match
No Maximum Contribution Limits
Tax Advantage Savings
Livings & Death Benefits
Upto 3X Dollar Match
No Contribution Limits
Tax Advantaged Savings
Fully Funded in Only 5 Years
Living & Death Benefits
Potentially double/triple your benefits
Financial Professional Benefits
Fully Automated Online Portal
2X The Benefits To Offer Clients
Simple Refferal - No Selling Required
No Commission Limits
Special Benefit Options
Common Investment Questions
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.
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!
- Quadruple your contribution/additional 3 times more money added to your contribution
- Reduced Market risk, upside potential with no downside risk
- Double/triple your income and benefits
- Tax-free instead of tax-deferred
- 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.
- Age between 18* and 65
- Annual Household income over $100K
- Be able to pay 5 years of premium