Plan Administration and Service Center

8522 Greenbriar Est., Edwardsville, IL 62025

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Valley View Consultants, Inc.

Valley View Consultants, Inc. (VVC)

How can a Consumer, Employer, Trustee or Professional Advisor make informed and prudent investment and life insurance decisions / recommendations if they don’t know the prospective financial value relationships of today’s planning alternatives?

What do today’s financial structures offer assuming a 6% or 8% S&P 500 Total Return planning assumption?

Age 50 Highly Compensated Employee (HCE) -  $50,000 Annual After-tax Equivalent Contribution to age 65

VVC provides the “All things being equal” starting point to make informed Protection and Investment decisions.

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The Consumer Problem - The VVC Consumer Disclosure Analysis Solution

The Consumer Problem – Most life insurance products are not securities and the financial comparisons used in agent sales are to hypothetical returns or to historical returns based on a market price return, not the total return.  Result – A comparison that is compliant for product disclosure purposes, but unrealistic, deceptive and misleading from a consumer disclosure perspective of the products real-world financial relationship to other investment or life insurance alternatives.

The VVC Consumer Disclosure Analysis Solution – VVC has applied the historical S&P 500 Total Return to the NAIC AG49 calculation that when applied to FINRA hypothetical illustration regulations provides financial consumers the real-world financial relationships of today’s financial alternatives to properly evaluate risk management vs. risk aversion options, Protection vs. Investment based alternatives.

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Informed and prudent financial decisions start with industry defined best practices analytics:

VVC utilizes Investment and Life Insurance industry best practices to facilitate this structural and planning analysis.












Industry best practices demonstrate institutionally-priced Life Insurance (ILI) is the more suitable fund, risk and tax management container for healthy higher and highly compensated “white-collar” individuals to fund invest outside a tax-qualified plan.

Not “life insurance” in the retail sense, but IRC §7702 based investment, tax , cash and risk management.

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VVC was created in 2002 to provide:

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.  

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ILI Suitability Questions

ILI is designed to serve as a IRC §7702 based fund investment and risk management container.

ILI is a cost-shifting opportunity for healthy individuals expected to live the longest.

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VVC serves four markets with its specialty investment and life insurance analytics and ILI services:

Today ILI risk rates cost less than tax rates … and that has opened the door to a new level of personal value and planning efficiency.

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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.

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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 $156.2 billion into ILI for asset diversification (BOLI Assets – 12/2015).

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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.

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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.

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Institutional Life Insurance (ILI) 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

America’s Top Planner

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This site provides relevant information on specific estate, business and financial planning topics.

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



How FINRA and the NAIC Simplified Investment and Life Insurance Decisions

No longer a “win the illustration” Advisor / Agent sales practices problem for consumers, but industry defined best practices for evaluating Investment and Life Insurance alternatives based on the consumer's prospective tax and market total return assumptions.

Enhancing Estate Plans with ILI

Diversifying fund portfolios with ILI to reduce costs and enhance value for

life, terminal illness and death.

No new money contributions.


Enhancing Personal Savings Plans with ILI

Medical science has allowed ILI to evolve into the more efficient savings

and retirement plan complement.

Saving outside a tax-qualified plan.