This website has been prepared by Stern Capital LLC. and BHJ, LLC for the sole purpose of providing general background information. This material is not an offer to sell, or a solicitation of an offer to buy any insurance product(s). Any such offering may be made only by means of a confidential offering memorandum to be furnished to qualified prospective investors at a later date and any conflicting information contained herein will be superseded in its entirety by such confidential offering memorandum. Nothing contained or discussed herein shall constitute a representation or warranty as to the future performance.

Stern Capital LLC. is a registered broker-dealer and a member of the Financial Industry Regulatory Authority (FINRA), International Tax Planning Association (ITPA) and Securities Investor Protection Corporation (SIPC).

Members of BHJ, LLC are “Associated Persons” within the broker/dealer Stern Capital LLC. All variable insurance contracts are placed through this broker/dealer. BHJ and Stern Capital are business partners, but they are independent organizations with no overlap in management or ownership.

PPVL is also referred to as PPLI and PPVUL.