A Hypothetical Illustration Comparison Based on a 50-Year-Old Female Executive

How a 50-Year-Old Executive Maximized Retirement and Protection

Key Takeaways

Age

$110,000

Total out-of-pocket- contribution

$792,000

Total tax-free income received (65–95)

Important Disclosures

This is a hypothetical educational illustration. Actual results will vary based on underwriting, policy structure, loan management, and performance. Policy loans reduce both cash value and death benefit and may cause lapse if unmanaged. Kai-Zen and NIW Companies are not affiliated with National Life Group.

Final Thought

“Properly structured life insurance is one of the most tax-efficient financial vehicles available. It can provide a significant benefit.”— David F. Babbel, Professor, The Wharton School

If you’re a high-income professional seeking:

Supplemental, tax-advantaged retirement income
Protection from future tax increases
Long-term financial security
A smarter way to leverage your dollars

Kai-Zen may be worth exploring.[Learn more here.]

#KaiZenStrategy #StateEmployees #SmartMoneyMoves #StrategicLeverage #LifeInsuranceSolutions #TaxSmartWealth #RetirementPlanning #LivingBenefits #OakTreePremiumFinance

Client Profile

Age: 50

Health: Excellent (Preferred)

Contribution: $22,000 (Years 1-5)

Total out-of-pocket: $110,000

Bank Leverage

Years 1–5: $13,345/year

Years 6–10: $33,995/year

Total lender contribution: $226,700

Total Contributions

Combined total: $346,700

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: $566,236

Living Benefits

Chronic Illness: Up to $3,414/month and Critical Illness/Injury: Up to $161,411 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): $792,000

Remaining death benefit to beneficiaries: $390,372

Why This Matters:

With the same $110,000 out-of-pocket investment, this executive could potentially access: -Greater retirement income -Living benefits that protect against life’s uncertainties -Long-term death benefit protection -Strategic use of leverage to enhance outcomes -No downside market risk

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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