Senior Operations Officer Case Study
Contribution: $100,000/year for 5 years per grandchild (2 total). Assumes equal age and health for simplicity.
Total out-of-pocket: $500,000
Years 6–10: $175,874/year
Total lender contribution: $1,265,490
Combined total: $1,765,490
Net death benefit from day one: $2,528,409
Includes built-in living benefits that allow access to policy values if needed during life.
Total tax-free income received (65–95): $4,536,000
Remaining death benefit to beneficiaries: $1,942,433
David (48), a senior operations officer at a highly respected corporation, was recently recruited for his expertise and is earning strong compensation. With this new opportunity, he’s motivated to do more for retirement.
His goals:
Increase tax-efficient retirement income
Maximize savings during peak earning years
Maintain flexibility and control
Using a standard health assumption, we modeled a Kai-Zen strategy to reposition part of his cash flow.
Result: A structured approach to build greater retirement income while managing risk.
