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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.


As a fund investor, does it make more economic sense to give-up:STAR - Professional Advisor Series - ILI Cost-of-Insurance vs TBA Cost-of-Taxes.pdf

As an affluent or high net worth “white-collar” individual, do you believe:

The STAR Plan is a longevity driven fund and tax management program for ILI qualifying individuals.

Tax-deferred cash accumulation - income tax-free cash-flow during life, terminal illness and death.


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 planning assumptions.  

Unlike retail replacement-priced life insurance, ILI converts increasing ‘white-collar” 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.

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 longevity improvements on planning alternatives.


Institutional Life Insurance offers a lower lifelong total cost-of-investing today than other fund, cash and tax management alternatives plus an increasing value proposition tomorrow the longer medical advancements let us live … while providing added financial protection for terminal illness and death.

Institutional Life Insurance (ILI) Q & A

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

Sample Preliminary Analysis - Age 45 Male          Sample Preliminary Analysis - Age 45 Female


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

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