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What Does the Average Kai-Zen Client Look Like?

45-year-old male, in excellent health, a nonsmoker, and contributing $70,000 per year for 5 years.

Key Takeaways

Age

$350,000

Total out-of-pocket- contribution

$3,596,000

Total tax-free income received (65–95)

Let’s walk through a real-world example.

Across the U.S., the average Kai-Zen case involves a 45-year-old male, in excellent health, a nonsmoker, and contributing $70,000 per year for 5 years.

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

Client Profile

Age: 45

Health: Excellent

Contribution: $70,000 annually for 5 years

Total out-of-pocket: $350,000

Bank Leverage

Years 1–5: $52,501/year

Years 6–10: $121,151/year

Total lender contribution: $868,260

Total Contributions

Combined total: $1,218,260

Illustrated growth rate: 6.45%

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: $1,954,175

Living Benefits

Access to chronic illness, long-term care, 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): $3,596,000

Remaining death benefit to beneficiaries: $1,441,864

Why This Matters:

This client contributed $350,000 of their own money. Through strategic leverage and disciplined policy design, they gained access to:

Over $3.5 million in tax-free income
Over $1.4 million in remaining legacy value
Plus full protection benefits throughout the policy’s life

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

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.