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 fund management alternatives. 

• HCE Class ILI risk rates have less impact on investment gain than taxes.

• Only employers have access to, or can facilitate individual access to ILI.

"Those expected to live the longest, win the most."

Examples

Younger HCE's - The 401(k) has been the value benchmark all other alternatives have been compared to for 25 years.

These are gain-loss comparatives using the accessible cash of the 401(k) as the benchmark - the $0 line - to measure the accessible cash gain or loss of the different financial structures utilizing the same planning assumptions.

• The traditional alternatives are shown on the left.

• The STAR Plan alternative is on the left - accessible cash (green) and supplemental financial protection (yellow).

Age 30 Example    Age 40 Example    Age 50 Example    Age 60 Example

Not a replacement to your 401(k) - but demonstration of a comparable value for your external cash management.

Older HCE's - You are never too old to save efficiently.  We all have a cash reserve we hope to never touch.  The STAR Plan is the more efficient structure for an older individual's "emergency" fund or to hold surplus assets in trust for the next generation.

Next Step

Request your STAR Analysis and Personal Consultation Meeting

Reference:

1. You Define the STAR "Contribution Capacity" that Fits Your Needs

2. STAR Evaluation, Enrollment and Administration

How can VVC offer you access to this "institutional" level of personal value and your broker can't? 

• Because VVC is not a broker, not a financial planner ... VVC is an ILI plan administrator. 

• Administering STAR for successful individuals who have earned the right to more ... is all we do.