|
The STAR Plan® Participant Profile |
|
1. Are aware that medical advancements extending longevity are creating quality of life opportunities and financial challenges. 2. Are looking for a total cash management opportunity that increases spendable cash over a longer retirement time frame. 3. Are financially savvy enough to recognize how ILI’s tax and longevity driven pricing structure can offer more efficient cash accumulation. 4. Do not want to deplete their cash position in order to have more death benefit but see extra life insurance protection at zero incremental cost as a prudent planning move. |
ILI offers a more practical cash box to address life events ... STAR participants don't have the cash access penalties associated with having money in the wrong box when there is a cash need.
|
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 |
The STAR Plan® featuring ILI Key Features
-
You specify the annual amount of after-tax contribution (premium) capacity.
-
You receive the minimum amount of death benefit protection based on your age and sex.
-
Cash surrender values typically start at 100% of contribution.
-
Risk charges are priced for mid to upper income individuals performing white-collar roles.
-
Risk charges are typically tied to the insurer's ILI risk pool experience ... no need to take future medical exams to receive current rates.
-
The lifelong tax advantages of the life insurance structure.
-
The lifelong cash access and cash management advantages of the life insurance structure.
-
Broad diversification of no-load institutionally priced separate accounts (funds).
-
Most ILI policies allow you to access 75% of the death benefit, $1 million maximum, if you are deemed terminal by your physician with less than twelve months to live ... no need to put your family at financial risk to make your final days as comfortable as possible.
-
VVC is your longevity and financial wellness partner ... guiding and assisting you with your ongoing policy management to maximize your ILI policy's efficiency.
Doesn’t matter if you have 30 years or 30 days future employment … we all have a lifelong need to manage cash in an efficient manner and protect our family.
Planning Concept Summaries ... examples of the versatility and practicality of The STAR Plan®.
Is your objective to maximize "spendable" cash at retirement? The STAR Retirement Cash-flow Advantage
Do you shop at warehouse stores? Warehouse Shopping Analogy
Are you overwhelmed by the retirement cost predictions? Practical Planning - Retirement
Today's life insurance products are designed around three different needs Today's Life Insurance Solutions
Are you single and earn $200,000+, or married with $250,000+ household income? Mid to Upper Income Individuals
Are 52% to 91% tax rates in your future? Increased Taxes and Lower Risk Expenses
Do you have assets in taxable accounts or in trust? Fiduciary Advisor Series ILI Executive Overview
Are you participating in a nonqualified deferred compensation (NQDC) plan? Stretching Nonqualified Benefit Plan Distributions
Is STAR a Nonqualified Roth Look-alike Plan? No. Not a NQ Roth Look-alike Plan
Can you invest at what would effectively be a negative tax rate? Yes. How ILI can equate to investing at a negative tax rate
Do you have investment interest, dividend income, etc. that could be subject to the 2013 Medicare Surtax? Planning for the Medicare Surtax Bubble
Do you understand how "Leverage" can significantly increase your spendable retirement income with little or no risk? Understanding Leverage and your Retirement Assets
The STAR Plan is a longevity driven cash and risk management program utilizing the ILI structure.
Helping ILI qualifying individuals attain financial self-reliance since 2002
Please contact me about The STAR Plan