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The World Equity Group Form CRS can be found here.

Institutional Life Insurance (ILI) Suitability

ILI Participant Profile

Institutionally-priced Life Insurance (ILI) serves as a lifelong fund, cash tax and risk management container.

• Comparable diversified portfolio of 60-120 separate accounts to retail funds with fees discounted for ILI usage.
• ILI is limited / priced for “white-collar” risks that are highly compensated or accredited investors.

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ILI Fund Selection

In addition to a declared interest account, ILI portfolios comprise diversified investment objectives from leading fund issuers (Alphabetical).

VVC ILI Plan Participants can select their own allocation or follow what our allocation advisor recommends for our personal planning (CMW Allocation).

While the “life insurance” tax structure can be managed similar to an uncapped Roth IRA, ILI is often allocated for greater equity return because the added death benefit provides personal planning protection the Roth does not provide.

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Today there are three levels of “life insurance” value:

• Retail - Risk averse products accessible to all levels of consumer - death benefit protection products that can be funded for cash accumulation.
• Institutional - Risk management products designed for HCE Class marketplace - higher and highly compensated “white-collar” roles - a “life insurance” based investment alternative for saving outside a tax-qualified plan that can be managed for death benefit protection.
• Private Placement - An Institutional hybrid that permits access to hedge funds for the ultra-high net worth investor.

ILI provides HCE Class individuals and their trustees a greater level of management flexibility and pricing protection than what is available in the Retail marketplace.