Case Study

Case Study: Two Floral Shop Owners Protect Their Business & Legacy

Key Takeaways

Age

$155,750

Total out-of-pocket- contribution

Total tax-free income received (65–95)

Client Profile

Age: 45

Health: Excellent

Contribution: $31,150 annually for 5 years

Total out-of-pocket: $155,750

Bank Leverage

Years 1–5: $23,273/year

Years 6–10: $53,073/year

Total lender contribution: $381,730

Total Contributions

Combined total: $537,480

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: $1,023,326 net of loan

Living Benefits

Chronic Illness/Long-Term Care: Up to $7,454/month Critical Illness/Injury coverage: $439,722 lump sum

Tax-Free Retirement Income

Starting at age 65:

(Net of all loan repayments)

Legacy + Liquidity at Age 95

Why This Matters:

By contributing just $155,750 of her own money, each owner gained access to: – Over $4.6 million in remaining legacy value – Full protection benefits for her family throughout her life – A fully funded buy-sell agreement to protect the business All while reducing exposure to market downside, avoiding capital gains taxes, and leveraging the same financial principles the wealthy use. This is how smart business owners use life insurance—Not just for protection, but as a strategic 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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