FlexVault Case Studies
Real projections for airline pilots, physicians, and business owners. See how the four-component system performs across different income levels.
FlexVault projections vary by income and premium level. An airline pilot funding $100K/year can project ~$10.2M cash value and $320K annual tax-free income by year 30. A physician at $200K/year projects ~$20.4M and $640K income. A business owner at $500K/year projects ~$51M and $1.6M income. All scenarios use the four-component system targeting 12%+ combined returns.
At a Glance
| Pilot Case ($100K/yr) | $10.2M by Year 30 |
| Physician Case ($200K/yr) | $20.4M by Year 30 |
| Business Owner ($500K/yr) | $51M by Year 30 |
| Target System Returns | 12%+ (4 components) |
| Income Start | Year 3 or Year 10+ |
⚠️ Important Note About Projections
These case studies illustrate potential outcomes based on FlexVault's four-component system targeting 12%+ returns. Actual results are not guaranteed and will vary based on index performance, carrier crediting rates, market conditions, and individual circumstances. The 0% floor protects against index losses but doesn't guarantee positive returns. These projections are for educational purposes—personalized illustrations are required for any planning decisions.
Captain, age 42, $350,000 annual income
Case Study 1: Airline Pilot
Profile
42-year-old airline captain earning $350K/year with 18-year career runway until mandatory retirement at 65.
Annual Premium
$100,000/year for 15 years, then policy self-sustains through the four-component system.
Goals
Tax-free retirement income to replace airline pension, FAA medical loss protection, legacy for family.
Projected FlexVault Performance
| Year | Cash Value | Annual Income | Death Benefit |
|---|---|---|---|
| Year 5 | $625K | - | $1.5M |
| Year 10 | $1.4M | $38K (optional) | $2.2M |
| Year 20 | $4.5M | $180K | $5.2M |
| Year 30 | $10.2M | $320K | $11.0M |
Why FlexVault Works for Pilots
- ✓ No income limits like Roth IRA ($350K+ excluded)
- ✓ No contribution limits like 401K ($23K cap)
- ✓ FAA medical loss doesn't affect policy
- ✓ Tax-free income regardless of future tax rates
- ✓ Living benefits if disabled
At Mandatory Retirement (Age 65)
Projected Cash Value
~$6.8 Million
Projected Annual Tax-Free Income
~$270,000/year
Death Benefit (if passes at 65)
~$7.8M tax-free to family
Orthopedic surgeon, age 38, $650,000 annual income
Case Study 2: Physician
Profile
38-year-old orthopedic surgeon earning $650K/year, in the 37% tax bracket, concerned about burnout and career longevity.
Annual Premium
$200,000/year for 15 years, creating substantial tax-free income stream for early retirement option.
Goals
Option to reduce surgery schedule by age 55, tax-free income to avoid future tax increases, asset protection.
Projected FlexVault Performance
| Year | Cash Value | Annual Income | Death Benefit |
|---|---|---|---|
| Year 5 | $1.25M | - | $3.0M |
| Year 10 | $2.8M | $75K (optional) | $4.4M |
| Year 20 | $9.0M | $360K | $10.4M |
| Year 30 | $20.4M | $640K | $22.0M |
Why FlexVault Works for Physicians
- ✓ 37% tax bracket makes tax-free growth critical
- ✓ No RMDs forcing income in peak earning years
- ✓ Creditor protection from malpractice risk
- ✓ Income flexibility for practice transitions
- ✓ Burnout optionality—can reduce work earlier
At Optional Early Retirement (Age 55)
Projected Cash Value
~$5.2 Million
Projected Annual Tax-Free Income
~$200,000/year
Can supplement with part-time practice income
Total: $400K+ lifestyle on reduced schedule
Founder preparing for exit, age 52, $1.2M annual income
Case Study 3: Business Owner
Profile
52-year-old business owner with $15M business, earning $1.2M/year, planning exit in 5-7 years.
Annual Premium
$500,000/year for 7 years (funded from business distributions), converting active income to tax-free perpetual income.
Goals
Convert business value to tax-free income, avoid capital gains on exit, create multi-generational wealth.
Projected FlexVault Performance
| Year | Cash Value | Annual Income | Death Benefit |
|---|---|---|---|
| Year 5 | $3.1M | - | $7.5M |
| Year 10 | $7.0M | $188K (optional) | $11.0M |
| Year 20 | $22.5M | $900K | $26.0M |
| Year 30 | $51.0M | $1.6M | $55.0M |
Why FlexVault Works for Exit Planning
- ✓ Converts business income to tax-free wealth
- ✓ Avoids triggering capital gains immediately
- ✓ Creates income that doesn't depend on business sale
- ✓ Asset protection from future creditors
- ✓ Multi-generational wealth transfer
Post-Exit (Age 60)
Projected Cash Value
~$10.5 Million
Projected Annual Tax-Free Income
~$400,000/year
Plus business sale proceeds
Total financial independence achieved
Side-by-side comparison at Year 20
Case Study Summary
Airline Pilot
$100K/year premium
Year 20 Cash Value
$4.5M
Year 20 Income
$180K/yr
Physician
$200K/year premium
Year 20 Cash Value
$9.0M
Year 20 Income
$360K/yr
Business Owner
$500K/year premium
Year 20 Cash Value
$22.5M
Year 20 Income
$900K/yr
Frequently Asked Questions
Get Your Personalized FlexVault Projection
Your situation is unique. Your projection should be too. See how the four-component system performs with YOUR income, YOUR tax bracket, and YOUR goals.