The STAR Plan^® Value Proposition

HCE's now have a choice:

• Continue to be financially subject to Washington's turmoil while feeding the retail financial services food chain.

• Or not - Shift to the same institutional fund and risk management product and tax independent position leading institutions have utilized for 25 years.

Retail and Institutional Life Insurance are "apples and shampoo" different.

Two totally different values - driven by two totally different product structures – two very different applications of the IRC §7702 tax code:

• Retail Life Insurance – Insurance for your death. 

  Designed for low premiums and high death benefit management.  Managed for replacement by the issuers - need to keep proving your insurability to receive current rates - Not designed for long-term cash management.

• Institutional Life Insurance (ILI) – Insurance for your life. 

  Designed to maximum premiums and minimal death benefit management to minimize costs and maximize lifelong fund management accessible cash.  Managed for retention by the issuers - pass-through current - never need to prove your insurability to receive current rates. Designed specifically for immediate and long-term cash management and tax independence.

Retail life insurance is structurally inconsistent for long-term cash management.  Just because an insurance company will let you shove a ton of cash into a retail policy doesn't mean it's a good idea.  Typically - it's not.

STAR Due Diligence - Retail v Institutional Life Insurance for employers, individuals and trustees.

Why have institutions invested over $180 billion (12/2010) of their cash reserves insuring those least likely to die near-term?

Why are America's most affluent families shifting to ILI for their fund management ?

• Because a 5%-10% lifelong average cost of ILI is a lot less than a 15%-45% cost of taxes on investment gains.

• Because ILI offers access to leading funds often at a 35%-65% discount compared to their retail mutual fund counterparts.

• Because ILI provides from day one comparable or greater accessible cash as taxable or tax-qualified plan fund investing plus financial protection at $0 additional cost.

No other financial “structure” today offers HCE's this value proposition.

The STAR Plan allows you to access ILI for your personal fund management – take an institutional cash management approach to your cash reserves.

Only ILI offers you a “win-win-win” value opportunity:

• Short-term - Comparable accessible cash of a taxable brokerage account.

• Long-term - Comparable or greater accessible cash of a tax qualified benefit plan.

• Lifelong – Financial protection in the event of terminal illness or death.

An insurance based investment alternative designed to address the question – What if I live?

A Financial Health Club designed specifically for the HCE life profile.

• Please contact us to order your “What if I knew?” financial analysis comparing the STAR value to the five other financial alternatives typically available to HCE’s.

• STAR Participant Brochure  reviews the six leading alternatives available today for individuals to access and manage leading funds.

• As your personal STAR plan administrator – our job is to provide you the information so you can make fully informed decisions about your financial future.

Congratulations on your career achievement.  Your life choices make the ILI value enhancement – possible.