| How is this level of value possible? |
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Because this is institutionally priced life insurance. ILI’s total costs (institutional risk and fund expenses):
ILI is simply a higher level of pricing efficiency previously only available to employers for their long-term cash and risk management. Through The STAR Plan (Strategic Talent Appreciation and Recognition) those same ILI qualifying individuals may now access ILI for their own personal planning. |
How do I access The STAR Plan? Contact us.
What is my employer’s role? Merely to validate your employment and role for ILI qualification purposes.
What is Valley View Consultants, Inc’s (VVC) role? We are the developer and national administrator of The STAR Plan. We are your lifelong administrative resource - conduit to your ILI issuer.
Our role is simple:
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Provide financial models to your specifications so you can properly ascertain if ILI is a fit for you and your family.
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Help you administratively to maximize the value from this lifelong asset.
Who is Valley View Consultants, Inc? Our backgrounds are business continuity planning, selective benefits informally funded with ILI and trust-owned life insurance administration for fiduciaries.
In 2002 we formed Valley View Consultants, Inc. to focus exclusively on helping employers fulfill their duty to provide a "fair and equal workplace to all employees" - facilitate ILI access to all their qualifying people's access for their personal planning.
Is STAR an "executive benefit"? No.
STAR is a parity restoration program for all the mid-upper income individuals that are impacted by high tax rates and the limitations in tax qualified savings plans. Where tax qualified plans pose problems, the STAR value begins.
STAR is the ideal qualified plan complement enabling an employer to offer an equal financial opportunity workplace for all its people.
Do I have to take a medical exam? Yes. This is your money and you want the best risk rates. Think of STAR as a Financial Health Club.
How does ILI compare to retail life insurance? ILI and retail life insurance share the same IRC 7702 tax structure. After that they are "apples and shampoo" different.
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ILI is designed for superior lifetime cash accumulation and managed by the issuers for increasing participant value.
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Retail products are designed for death benefit protection and managed by the issuers for risk or replacement.
ILI is a completely different value proposition than retail priced life insurance - why ILI is not available through retail financial planners and investment advisors.
Who pays for VVC’s services? The ILI issuers and registered representatives. We do not charge participants for our administrative services.
STAR is a workplace convenience and demonstration of an employer’s appreciation for those that have made the career and life choices earning them access to ILI.
Helping STAR individuals attain financial self-reliance since 2002
Please contact me about The STAR Plan