Case Study

Software Engineer Case Study

Key Takeaways

Age

$400,000

Total out-of-pocket- contribution

$14,292,000

Total tax-free income received (65–95)

Client Profile

Age: 35

Health: Excellent

Contribution: $80,000/year for 5 years per grandchild (2 total). Assumes equal age and health for simplicity.

Total out-of-pocket: $400,000

Bank Leverage

Years 1–5: $64,866/year

Years 6–10: $143,516/year

Total lender contribution: $1,041,910

Total Contributions

Combined total: $1,441,910

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: $3,110,515

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): $14,292,000

Remaining death benefit to beneficiaries: $3,875,398

Why This Matters:

Alex (35), a successful independent software engineer, wants to get serious about building retirement income. His goals: Increase tax-efficient retirement income Create a disciplined savings strategy 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 meaningful retirement income while managing 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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