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ILI is Different |
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ILI provides initial cash surrender values equal to
100% of contribution plus death benefit protection.
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Comparable or greater accessible cash than other alternatives.
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ILI risk rates have less impact
on investment gain than taxes.
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Only employers have access to, or can facilitate
individual access to ILI.
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Life insurance comes in two
very different structures.
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Retail and Group |
Institutional |
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Defined benefit
(death benefit) products.
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Designed to
maximize near-term death benefit protection.
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Cash value accumulation is a
secondary feature.
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Retail or workplace distribution.
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Defined contribution
(premium)
product.
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Designed to maximize near-term cash
accumulation and the lifelong cash management features of the life insurance
structure.
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Death benefit protection is managed to the minimum
legislatively required.
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Only available through the
workplace in a professionally administered ILI management program.
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Compared to accumulating
cash in other financial structures. |
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Retail and Group |
Institutional |
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How is this possible from a life
insurance management program?
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Low
cost of "white-collar" risk rates.
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Low
cost of ILI
separate accounts.
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ILI is designed and managed to minimize the amount of life
insurance protection and related costs.
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The cost efficiencies of workplace
distribution.
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The STAR Plan |
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Roth / 401(k) |
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Taxable |
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9.00% |
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ILI Separate Account average expenses are less than their Mutual
Fund counterparts. |
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Separate |
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Mutual |
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Mutual |
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8.50% |
Account |
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Fund |
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Fund |
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Expenses |
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Expenses |
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Expenses |
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8.00% |
ILI Costs |
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ILI Costs are less than Taxes. |
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7.50% |
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7.00% |
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6.50% |
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Taxes |
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6.00% |
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5.50% |
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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. |
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Net |
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Net |
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Net |
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5.00% |
Rate |
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Rate |
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Rate |
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of |
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Of |
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of |
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4.50% |
Return |
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Return |
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Return |
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4.00% |
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3.50% |
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3.00% |
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2.50% |
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2.00% |
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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
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