What if you could pass on a legacy now?

What Could Kai-Zen Look Like? Case Study: A Widow age 60 with insurance needs and minimal retirement savings

Key Takeaways

Age

$175k

Total out-of-pocket- contribution

$609,000

Total tax-free income received (65–95)

Client Profile

Age: 60

Health: Average

Contribution: $35,000 annually for 5 years

Total out-of-pocket: $175k

Bank Leverage

Years 1–5: $13,236/year

Years 6–10: $46,8867/year

Total lender contribution: $300,610

Total Contributions

Combined total: $475,610

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: $577,967

Living Benefits

The projected Accelerated Benefit Rider Values for my policy at age 74 are: Chronic Illness: Up to $4,700/month and Critical Illness/Injury: Up to $234,824 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): $609,000

Remaining death benefit to beneficiaries: $183,586

Why This Matters:

With just $175,000 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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