The Rookie Who Planned Ahead
Contribution: $2,000,000 annually for 5 years
Total out-of-pocket: $10M
Years 1–5: $1,752,714/year
Years 6–10: $3,751,364/year
Total lender contribution: $27,520,390
Combined total: $37,520,390
Net death benefit from day one: $92,862,677
Chronic Illness/Long-Term Care: Up to $9,459/month Critical Illness/Injury: $271,404 lump sum
Total tax-free income received (65–95): $143,412,000
Remaining death benefit to beneficiaries: $524,022,673 (after all loan repayments)
By contributing $10,000,000 of his own money, and using strategic leverage, this athlete positioned himself to:
– Generate $143.4M in tax-free retirement income
– Leave behind over $524M in legacy value
– Enjoy protection benefits for himself and his family throughout his lifetime
All while:
– Reducing exposure to market downside
– Avoiding capital gains taxes
– Using leverage the same way the wealthy do
This is how the wealthy use life insurance—not just for protection, but as a smarter asset class.
