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

45

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.