Nurse Case Study using Kai-Zen
Contribution: $30,000/year for 5 years per grandchild (2 total). Assumes equal age and health for simplicity.
Total out-of-pocket: $150,000
Total lender contribution: $361,630
Net death benefit from day one: $972,306
Includes built-in living benefits that allow access to policy values if needed during life.
Total tax-free income received (65–95): $2,088,000
Remaining death benefit to beneficiaries: $751,963
Lisa (45), an experienced registered nurse with a strong reputation, recently joined a new employer and now has the ability to save more for retirement. She is also in excellent health, enhancing her planning options.
Her goals:
Increase tax-efficient retirement income
Build a disciplined savings strategy
Maintain flexibility and control
Using an excellent health assumption, we modeled a Kai-Zen strategy to reposition part of her increased cash flow.
Result: A structured approach to build stronger retirement income while managing risk.
