Case Study

A Strategic Plan for Long-Term Care and Legacy

Key Takeaways

Age

$350,000

Total out-of-pocket- contribution

$928,000

Total tax-free income received (65–95)

Important Disclosures

This is a conceptual example for educational purposes only. All policies are subject to underwriting and approval. Loan values and policy benefits are not guaranteed and depend on actual 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 tax-smart, multi-purpose financial tool. If you’re thinking about long-term care, retirement income, and legacy planning… Kai-Zen may be worth exploring.

Learn more at https://kaizennlg.simplicityniw.com/3acdd6d2-3a5c-441e-a301-7fefc99afcc5

Client Profile

Age: 65

Health: Excellent (Preferred)

Contribution: $70,000/year (Years 1–5)

Total out-of-pocket: $350,000

Bank Leverage

Years 1–5: $29,539/year

Years 6–10: $98,189/year

Total lender contribution: $638,640

Total Contributions

Combined total: $980,640

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: $956,602

Living Benefits

Chronic Illness: Up to $8,399/month and Critical Illness/Injury: Up to $278,910 lump sum Subject to eligibility and policy terms

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): $928,000

Remaining death benefit to beneficiaries: $301,047

Why This Matters:

With a $350,000 contribution, this investor potentially gains:  Living benefits for chronic and critical illness  A tax-advantaged legacy for his children  Long-term protection with significant leverage  0% floor protection against market losses  Access to supplemental tax-advantaged income via policy loans

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.

801-698-1329

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