Case Study

David, Age: 30, Key Employee / High-value contributor / future leader

Key Takeaways

Age

$125,000

Total out-of-pocket- contribution

$4,758,000

Total tax-free income received (65–95)

Client Profile

Age: 30

Health: Excellent

Contribution: $25,000 annually for 5 years

Total out-of-pocket: $125,000

Bank Leverage

Years 1–5: $19,635/year

Years 6–10: $43,285/year

Total lender contribution: $314,600

Total Contributions

Combined total: $429,600

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: $1,067,908

Living Benefits

Includes built-in living benefits that allow access to policy values if needed during life.

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): $4,758,000

Remaining death benefit to beneficiaries: $1,622,504

Why This Matters:

Business Owner: Mark, Age: 50 Background: Successful business owner Stable, profitable company Focused on growth and continuity Key Employee: David, Age: 30 Role: High-value contributor / future leader The Business Problem Mark recognizes: David is critical to the company’s future Replacing him would be expensive and disruptive Traditional compensation (salary/bonus) is: Tax-inefficient Not tied to long-term retention 👉 Mark wants to: Reward David meaningfully Retain him long-term Create alignment with the business

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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