Overview

Helping employers offer an equal financial opportunity workplace to all their employees

Because of their career and life choices ... STAR employees (mid-upper income white-collar employees) have earned access to this special personal planning opportunity ... Total Cash Management.

For over twenty years employers have accessed institutionally-priced life insurance (ILI) for their cash and risk 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.

Now employers can enable your access to ILI through The STAR Plan.

	As the family CFO, now you can utilize the same institutionally-priced cash and risk management structure for your planning.
	The result is the same … more cash accumulation than other alternatives for your cash and retirement needs plus lifelong financial protection for your family.

The STAR Plan Financial Self-reliance Employee Pamphlet summarizes how STAR solves the downside of success ... caps impacting workplace and tax-qualified plan alternatives ... Examples at entry ages 35, 45, 55 and 65.

ILI reverses the traditional life insurance value proposition ... ILI maximizes lifetime cash management advantages by minimizing the death benefit protection.

Only your employer can enable your access to ILI. Only your employer can validate you meet the qualifications to be a member of the ILI risk pool … the special risk group that makes this value possible. ILI is not available in the retail financial services marketplace.

	The STAR Plan^® featuring ILI is not an employer benefit plan, but an employer convenience permitting qualifying employee’s access to ILI for their personal cash and risk management.
	Your employer has no costs, liabilities or administrative responsibilities … it simply validates your qualifications to join our ILI management program.

Valley View Consultants, Inc. is your ILI administrative support center. All we do is help qualifying employees maximize the utility of their ILI policy.

STAR is a longevity driven lifelong total cash management program. We’re all concerned about the potential financial impact of longevity. Once again, ILI is different … ILI increases in efficiency as we age … why ILI is the more suitable structure for long-term cash management needs.

We all need access to efficient alternatives. Mid-upper income employees face a special challenge … the more successful you are, the fewer efficient structures available for your planning.

The STAR Plan^® featuring ILI enables an employer to offer it’s people access to the same prudent financial planning solution CFO’s have chosen for over twenty years. Where tax qualified alternatives pose limitations … The STAR Plan begins. The result is parity … an equal financial opportunity workplace for all employees.

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: January 28, 2010