ILI Overview

ILI Overview
Helping ILI qualifying individuals access a new era of total cash management

ILI is Different

ILI provides initial cash surrender values equal to 100% of contribution plus death benefit protection.
Comparable or greater accessible cash than other alternatives.
ILI risk rates have less impact on investment gain than taxes.
Only employers have access to, or can facilitate individual access to ILI.

Life insurance comes in two very different structures.

Retail and Group	Institutional
Defined benefit (death benefit) products. Designed to maximize near-term death benefit protection. Cash value accumulation is a secondary feature. Retail or workplace distribution.	Defined contribution (premium) product. Designed to maximize near-term cash accumulation and the lifelong cash management features of the life insurance structure. Death benefit protection is managed to the minimum legislatively required. Only available through the workplace in a professionally administered ILI management program.
Compared to accumulating cash in other financial structures.
Retail and Group	Institutional
Typically takes 10+ years for the cash surrender value to catch-up.	Comparable cash access day one ... ILI cash surrender values typically start at 100% of initial contribution. Comparable or greater cash access plus death benefit protection.

How is this possible from a life insurance management program?

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.

Congratulations on your career and life choices. We look forward to demonstrating to you the ILI advantage and serving you for many years to come.

Helping employers offer financial parity to all their employees since 2002

Please contact me about The STAR Plan

The STAR Plan® is a Registered Service Mark of Valley View Consultants, Inc.
Last modified: June 14, 2010