Case Study

Case Study: A 35-Year-Old Construction Company Owner Builds Her Legacy with Kai-Zen

Key Takeaways

Age

$350,000

Total out-of-pocket- contribution

$10,788,000

Total tax-free income received (65–95)

Client Profile

Age: 35

Health: Excellent

Total out-of-pocket: $350,000

Bank Leverage

Years 1–5: $53,753/year

Years 6–10: $122,403/year

Total lender contribution: $880,780

Total Contributions

Combined total: $1,230,780

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: $3,103,077

Living Benefits

Chronic Illness / Long-Term Care: Up to $9,309 per month Critical Illness / Injury: $275,048 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): $10,788,000

Remaining death benefit to beneficiaries: $3,312,229 (after loan repayments)

Why This Matters:

By contributing just $350,000 of her own money, she leveraged bank capital and policy design to unlock: – Over $10.7 million in tax-free retirement income – Over $3.3 million in remaining legacy value – Full protection benefits for herself and her family throughout her life All while reducing exposure to market downside, avoiding capital gains taxes, and using leverage the same way the wealthy do. This is how successful business owners use life insurance—Not just for protection, but as a smarter asset class.

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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