Valley View Consultants, Inc.

Helping employers offer an equal financial opportunity workplace to all their employees

The STAR Plan^® Strategic Talent Appreciation and Recognition.

If you could be in an equal or greater cash access and cash management position today ... is there any reason you would not want your family to have extra financial security if you died tomorrow?

Of course not. But how is this possible? Because:

Today, individuals performing "white-collar" roles in the workplace can access a different type of life insurance … life insurance designed for your life.

Mid to upper income "white-collar" individuals have made the career and life choices that earn them their own investment-oriented product and risk group … Investment-oriented institutionally priced life insurance (ILI).

· Risk charges priced for mid to upper income individuals performing white-collar roles.

· After-tax contributions.

· The lifelong tax advantages of the life insurance structure.

· The lifelong cash access and cash management advantages of the life insurance structure.

· Cash surrender values typically start at 100% of contribution.

· Broad diversification of no-load institutionally priced separate accounts (funds).

· Supplemental life insurance protection.

The cost of ILI is typically less than the cost of taxable fund investing. Often less than the cost of fund investing through tax-deferred or non-taxable structures.

The STAR Plan^® featuring ILI typically ranks the highest across the broadest spectrum of life’s events using real-world financial assumptions.

	Management Flexibility	In Good Times	Spendable Cash-flow	In Hard Times	At Death	Average Rank
The STAR Plan^®	1	1	1	1	1	1
Roth	4	2	2	3	2	2.6
401(k)	5	3	3	5	3	3.8
Annuity	3	5	4	4	4	4
Taxable Account	2	6	6	2	5	4.2
NQDC	6	4	5	6	6	5.4

How is that possible? Because:

· Low cost of "white-collar" risk rates.

· Low cost of ILI separate accounts.

· ILI is designed and managed to minimize the amount of life insurance protection and related costs.

· The cost efficiencies of workplace distribution.

		The STAR Plan	Roth / 401(k)	Taxable
	9.00%
ILI Separate Account average expenses are less than their Mutual Fund counterparts.		Separate	Mutual	Mutual
	8.50%	Account	Fund	Fund
		Expenses	Expenses	Expenses
	8.00%	ILI Costs
ILI Costs are less than Taxes.		ILI Costs
	7.50%

	7.00%

	6.50%			Taxes

	6.00%

	5.50%
ILI's cost, pricing and tax structure typically results in a greater Net Rate of Return to you than taxable or other tax-advantaged alternatives.		Net	Net	Net
	5.00%	Rate	Rate	Rate
		of	Of	of
	4.50%	Return	Return	Return

	4.00%

	3.50%

	3.00%

	2.50%

	2.00%

It was only a matter of time until we would be living so long that institutional life insurance (ILI) would evolve into the more efficient structure (pricing and tax) for our lifelong cash management while providing additional financial protection for your family.

The STAR Plan^® Participant Profile

1. Doesn’t think they need more life insurance.

2. Is financially savvy and recognizes how the tax and cost structure of investment-oriented institutional life insurance (ILI) offers a superior total cash management opportunity.

3. And some extra insurance protection at zero incremental cost doesn’t hurt either.

Is there an age limit to join The STAR Plan? Age 80. You are never too old to save efficiently.

Hence, The STAR Plan^® is a personal cash and risk management program utilizing the pricing and tax advantages of the ILI structure.

The STAR Plan Financial Self-reliance Employee Pamphlet summarizes how STAR solves the downside of success ... caps impacting workplace and tax-qualified plan alternatives ... Examples at entry ages 35, 45, 55 and 65.

Why The STAR Plan? - Because Cash is King is a two page summary of the cash access, cash management and cash flow advantages of the STAR value opportunity ... Total Cash Management.

The STAR Plan Introduction ... Congratulations! You've earned it. A video introduction of the role and history of The STAR Plan^® featuring ILI. (PDF Version)

Would you like to see what The STAR Plan could mean to you? Download, complete and return the confidential STAR Select Qualifying Employee Information Form (xls) and we will provide you your Personal Offering Package.

The STAR Plan^® featuring ILI … a lifelong longevity-driven personal program offering Total Cash Management.

I invite you to explore the personal planning efficiencies of The STAR Plan^®.

Charles "Mark" Whitelaw - President

Helping employers offer financial parity to all their people since 2002

Please contact me about The STAR Plan

Information and financial comparatives are for educational purposes only.

The STAR Plan^® is a Valley View Consultants, Inc. (VVC) ILI administered program available to all ILI qualifying individuals. Not an employer sponsored plan, but an individual program requiring validation of employment and role for ILI qualification purposes.

The STAR Plan^® is an individually owned and managed alternative designed around the financial self-reliance needs of "white-collar" individuals that are typically impacted by the limitations and caps in retirement plans, or the high cost of taxable or tax deferred cash accumulation programs.

The STAR Plan® is a Registered Service Mark of Valley View Consultants, Inc.
Last modified: March 08, 2010