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 illustrated annual loans by year 30 if the policy stays in force and is not a MEC. 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 |
| MapPinIcon 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. A 0% floor on index-linked interest for that segment is not a promise you cannot lose cash value. Charges, loans, and lapse can still reduce cash value, and the floor does not 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
Illustrated policy loans if the policy stays in force and is not a MEC. Lapse or MEC treatment can make loans taxable. FAA medical benefits and a death benefit are separate contract features. Education only.
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)
- ✓ Not the 401(k) elective-deferral cap (2026: $24,500; $32,500 at 50+). Guideline-premium and MEC rules still limit premium.
- ✓ FAA medical loss doesn't affect policy
- ✓ Policy loans can stay income-tax-free while in force and not a MEC (lapse/MEC can make loans taxable)—not a lock on future tax rates. Education only.
- ✓ Living benefits if disabled
At Mandatory Retirement (Age 65)
Projected Cash Value
~$6.8 Million
Illustrated annual loans (if in force, not a MEC)
~$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. Section 7702 policy loans can stay income-tax-free while the policy stays in force and is not a MEC. Lapse or MEC treatment can make loans taxable. That is not an escape from every federal or state tax. Education only.
Goals
Option to reduce surgery schedule by age 55. Section 7702 policy loans can stay income-tax-free while the policy stays in force and is not a MEC. Lapse or MEC treatment can make loans taxable. That is not an escape from every federal or state tax. Education only. Asset protection is a separate contract question.
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
Illustrated annual loans (if in force, not a MEC)
~$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). Section 7702 policy loans can stay income-tax-free while the policy stays in force and is not a MEC. Lapse or MEC treatment can make loans taxable. Education only.
Goals
Section 7702 policy loans can stay income-tax-free while the policy stays in force and is not a MEC. Lapse or MEC treatment can make loans taxable. That is not an escape from every federal or state tax. Education only.
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
- ✓ Policy loans if in force and not a MEC. Education only.
- ✓ 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
Illustrated annual loans (if in force, not a MEC)
~$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.