What Does the Average Kai-Zen Client Look Like?

30-year-old male, in excellent health, a nonsmoker, and contributing $500,000 per year for 5 years.

Key Takeaways

30

Age

$2.5M

Total out-of-pocket- contribution

$45.494M

Total tax-free income received (65–95)

Important Disclosures

This is a conceptual example for educational purposes only. All policies are subject to underwriting. Loan values and benefits are not guaranteed and depend on policy performance. Taking loans from a life insurance policy reduces the death benefit and may cause the policy to lapse if not properly managed. Bank participation is subject to approval. NIW and Kai-Zen are not affiliated with National Life Group.

Properly structured life insurance can be more than protection—it can be a powerful, tax-smart financial tool.

If you’re a high-income earner in your 20s or 30s and want to:

  • Supplement future retirement income
  • Reduce long-term tax exposure
  • Lock in protection while costs are low
  • Build leveraged legacy wealth

Then Kai-Zen may be worth exploring.

Learn more here

Client Profile

Age: 30
Health: Excellent
Contribution: $500,000 annually for 5 years
Total out-of-pocket: $2.5M

Bank Leverage

Years 1–5: $440,274/year
Years 6–10: $938,924/year
Total lender contribution: $6,895,990

Total Contributions

Combined total: $9,395,990

Disclosures

  • 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     

What Does the Client Get?

Life Insurance Protection

Net death benefit from day one: $23,235,990

Living Benefits

Access to chronic illness, and terminal illness riders

Tax-Free Retirement Income

Starting at age 65:

(Net of all loan repayments)

Legacy + Liquidity at Age 95

Total tax-free income received (65–95): $45.494M
Remaining death benefit to beneficiaries: $84,549,391

Why This Matters:

With a $2.5 million contribution over five years, this athlete could potentially gain access to:
  • Substantial tax-advantaged income through policy loans
  • Living benefits protection for chronic and critical illness
  • Long-term life insurance coverage
  • Strategic leverage to multiply his dollars
  • Downside protection with a 0% floor

This is how the wealthy use life insurance.

Not just for protection—but as a smarter asset class.

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

  • Create more retirement income
  • Reduce future tax burdens
  • Offer elite employee benefits
  • Protect your estate while still growing your wealth

 

…Kai-Zen may be worth exploring.