Case Study

Case Study: A Grandfather’s Gift of Legacy

Key Takeaways

Age

$125,000

Total out-of-pocket- contribution

$12,679,000

Total tax-free income received (65–95)

Client Profile

Age: 20

Health: Excellent

Contribution: $25,000 annually for 5 years

Total out-of-pocket: $125,000

Bank Leverage

Years 1–5: $17,918/year

Years 6–10: $41,568/year

Total lender contribution: $227,430

Total Contributions

Combined total: $422,430

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: $1,317,743

Living Benefits

Chronic Illness / Long-Term Care: up to $5,774/month Critical Illness / Injury: $217,345 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): $12,679,000

Remaining death benefit to beneficiaries: $2,948,063

Why This Matters:

This grandfather contributed just $125,000 of his own money. Through strategic leverage and policy design, his grandson gained access to: – Over $12.6 million in tax-free retirement income – Over $2.9 million in remaining legacy value – Full protection benefits for himself and his family throughout the policy’s life And all of this was achieved while: – Reducing exposure to market downside – Avoiding capital gains taxes – Using leverage the same way the wealthy do This is how the wealthy 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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