WHAT IF YOU COULD PASS ON A LEGACY NOW?

What Could Kai-Zen Look Like? Case Study: A Business owner buying for key employee (retention package with golden handcuffs)

Key Takeaways

35

Age

$125k

Total out-of-pocket- contribution

$2,976,000

Total tax-free income received (65–95)

Client Profile

Age: 35
Health: Excellent
Contribution: $25,000 annually for 5 years
Total out-of-pocket: $125k

Bank Leverage

Years 1–5: $16,434/year
Years 6–10: $40,084/year
Total lender contribution: $282,590

Total Contributions

Combined total: $407,590

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: $867,996

Living Benefits

The projected Accelerated Benefit Rider Values for my policy at age 49 are: Chronic Illness: Up to $4,202/month and Critical Illness/Injury: Up to $178,132 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): $2,976,000
Remaining death benefit to beneficiaries: $926,195

Why This Matters:

With just $125,000 of personal contributions, this young professional may gain access to: – Tax-advantaged income through policy loans – Living benefit protection for chronic and critical illness – Long-term life insurance coverage – Strategic leverage to potentially enhance outcomes – Downside protection with a 0% floor

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.