What if you could pass on a legacy now?

What Could Kai-Zen Look Like? Case Study: A Grandfather’s Gift That Grows

Key Takeaways

Age

$100k

Total out-of-pocket- contribution

$7,378,000

Total tax-free income received (65–95)

Important Disclosures: This is a conceptual example for educational purposes only. All policies
are subject to underwriting. Loan values and benefits are not guaranteed and depend on policy
performance. Taking loans from a life insurance policy will reduce the death benefit and may
cause the policy to lapse if not managed properly. Bank participation is subject to approval and
underwriting. NIW and Kai-Zen are not affiliated with National Life Group.

Properly structured life insurance can be more than protection—it can be a strategic financial
tool.
If you’re in your 20s or 30s and want to:

Supplement future retirement income
Reduce future tax exposure
Establish early protection while costs are low
Create long-term leverage and legacy…

Then Kai-Zen may be worth exploring.

#KaiZenStrategy #YoungProfessionals #LifeInsurancePlanning #RetirementIncome
#OakTreePremiumFinance #TaxSmartPlanning #WealthBuilding #LivingBenefits
#SmartLeverage

Client Profile

Age: 20

Health: Excellent

Contribution: $20,000 annually for 5 years

Total out-of-pocket: $100k

Bank Leverage

Years 1–5: $13,957/year

Years 6–10: $32,607/year

Total lender contribution: $232,820

Total Contributions

Combined total: $332,820

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: $1,213,992

Living Benefits

Chronic Illness: Up to $4,292/month and Critical Illness/Injury: Up to $188,611 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): $7,378,000

Remaining death benefit to beneficiaries: $2,268,678

Why This Matters:

With just $100,000 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.

801-698-1329

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