The "math" behind The STAR Plan featuring ILI is simple:

• We are living so long that today ILI risk costs have less impact on investment gain than tax rates.

• The ILI product and pricing structure provides greater potential value if things stay as they are ... and "exit strategy" if things change ... than other cash management alternatives.

As a result The STAR Plan is:

• A reasoned decision ... what if I live?

• Not the traditional emotional decision ... what if I die?

Which do you think is the more reasonable perspective of the future?

• Uncle Sam will cease its dependence on individuals for tax revenue.

• Medical advances will continue to extend our longevity resulting in even lower ILI risk costs.

The STAR Plan is designed for those that:

• Understand the economic and administrative advantages of the ILI structure and longevity based total cash management.

• Feel it is reasonable to assume that medical advances will continue to enhance the ILI financial advantage.