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Age

$90,000

Total out-of-pocket- contribution

$5,611,000

Total tax-free income received (65–95)

She is 25, in excellent health, a nonsmoker, and minimum she would be $18,000 per year for 5 years.

Here’s what a case like this looks like if we were to run an illustration today (as of 6/23/25):

Age: 25

Health: Excellent

Contribution: $18,000 annually for 5 years

Total out-of-pocket: $90,000

Years 1–5: $13,417/year

Years 6–10: $30,067/year

Total lender contribution: $217,420

Combined total: $307,420

Illustrated growth rate: 6.45%

Assumes excellent health
Non-tobacco and non-marijuana user
At higher ages, $25,000 may fall below the program’s minimum contribution requirement.
These illustrative numbers are hypothetical and may change with shifts in interest rates or market conditions

Net death benefit from day one: $1,012,359

Access to chronic illness, long-term care, and terminal illness riders

Starting at age 65:

(Net of all loan repayments)

Total tax-free income received (65–95): $5,611,000

Remaining death benefit to beneficiaries: $1,384,927

This client contributed $90,000 of their own money. Through strategic leverage and disciplined policy design, they gained access to:

All while mitigating risk, eliminating market downside, and avoiding capital gains taxes.

If you’re a high-income earner, business owner, or executive looking to:

…Kai-Zen may be worth exploring.