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Valley View Consultants, Inc.

Valley View Consultants, Inc. (VVC)

Medical advancements have allowed ILI to evolve into the more cost-efficient, tax-efficient and planning preferenced investment management container for successful individuals to fund invest outside a tax-qualified benefit plan … while receiving added financial protection (terminal illness and death).

Valley View Consultants, Inc. specializes in individually-owned / trust-owned Institutional Life Insurance (ILI) investment analytics, policy evaluation, access and administrative services - The STAR Plan featuring ILI.


1.  Affluent individuals invest in themselves because they are expected to live the longest.

Institutionally-priced Life Insurance (ILI) was created in 1986 to help Chief Financial Officers fund Parity Restoration Plans to Key Employees and Executives impacted by Washington’s employee benefit plan restrictions and limitations.

Affluent individuals are living so long that today’s ILI risk rates cost less than today’s tax rates, and medical advancements extending life expectancy is expected to further increase ILI’s advantage.  

This longevity driven “value proposition” is why bank CFO’s have invested over $149.6 billion into ILI for asset diversification (BOLI Assets – 12/2014).


2.  The longer we live, the lower the total cost of ILI based investing.

Valley View Consultants, Inc. was founded in 2002 to pioneer direct individual access to Institutional Life Insurance through a professionally administered ILI funding and management program – The STAR Plan.

“Longevity” is the greater financial risk today – outliving assets or financial / estate planning assumptions.  

Unlike retail-priced life insurance designed for periodic replacement, ILI converts increasing life expectancy into increasing investment and protection efficiency.


3.  The longer medical advancements let us live, the greater the expected ILI value proposition.

We have seen how increases in life expectancy has impacted tax reform, pension reform, Social Security, etc., and increased the benefit (lowered the cost) of ILI based fund investing.  ILI is a hedge against the expected financial impact of medical advancements.

Economics of Longevity

Expected impact on spendable value if Medical Science continues to help us live longer.

ILI is a hedge against the expected financial impact of medical advancements.


Institutional Life Insurance offers a lower total cost-of-investing today than other alternatives plus an increasing value proposition tomorrow the longer medical advancements let us live … while providing added financial protection.

Institutional Life Insurance (ILI) Q & A

The Top 10 Q&A’s on ILI’s Different Value Proposition


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Information and hypothetical illustrations of mathematical principles are for informational and educational purposes only.