Is it too late to start saving for retirement?

What Could Kai-Zen Look Like? Case Study: Is 55 Too Late to Start?

Key Takeaways

Age

$250k

Total out-of-pocket- contribution

$41.430M

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: 55

Health: Excellent

Contribution: $50,000 annually for 5 years

Total out-of-pocket: $250k

Bank Leverage

Years 1–5: $34,150/year

Years 6–10: $82,800/year

Total lender contribution: $585,750

Total Contributions

Combined total: $834,750

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: $1,189,346

Living Benefits

Chronic Illness: Up to $7,917/month and Critical Illness/Injury: Up to $268,502 lump sum

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): $41.430M

Remaining death benefit to beneficiaries: $454,134

Why This Matters:

With just $250,000 of personal contributions, this young professional may 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 potentially enhance outcomes
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.

Kai-Zen® amplifies retirement distributions by 60-100% through leverage, and in addition offers vital benefits like death benefit protection, long-term care, and disability coverage.

You won’t have to worry about the state of your retirement years when you benefit from the leverage of Kai-Zen

801-698-1329

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