Case Study

Dentist Case Study: Turning $250K Into Over $1.5 Million in Tax-Free Retirement Income

Key Takeaways

Age

$250,000

Total out-of-pocket- contribution

$1,508,000

Total tax-free income received (65–95)

Client Profile

Age: 55

Health: Excellent

Contribution: $50,000 annually for 5 years

Total out-of-pocket: $250,000

Bank Leverage

Years 1–5: $31,044/year

Years 6–10: $79,694/year

Total lender contribution: $553,690

Total Contributions

Combined total: $803,690

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: $989,288

Living Benefits

Chronic Illness/Long-Term Care: Up to $8,490/month Critical Illness/Injury coverage: $293,525 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): $1,508,000

Remaining death benefit to beneficiaries: $441,518

Why This Matters:

By contributing just $250,000 of his own money, Dr. James created: – Over $1.5 million in tax-free retirement income – More than $441,000 in remaining legacy value for heirs – Full protection benefits for himself and his family All while: – Reducing exposure to market downside – Avoiding capital gains taxes – Leveraging the same strategies the wealthy have used for decades This is how high-income earners transform 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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