Plan Administration and Service Center
8522 Greenbriar Est., Edwardsville, IL 62025
Copyright 2016, Valley View Consultants, Inc. All Rights Reserved.
Valley View Consultants, Inc. (VVC)
How can a Consumer, Employer, Trustee or Professional Advisor make informed, prudent and dispute defensible 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 Investment and Protection decisions.
Meet VVC’s founder - Mark Whitelaw _______________________________________________________________________________________________________
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 not based on market total returns (dividends included). Result – A financial comparison that is unrealistic, deceptive and misleading.
The VVC Consumer Disclosure Analysis Solution – VVC utilzes industry defined (FINRA & NAIC) regulations and your market total return planning assumptions to provide financial consumers the real-world financial relationships of today’s product and tax alternatives.
“All things being equal”, what are today’s alternatives putting-on-the-table for you and your family?
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.
Because HCE Class employees and individuals live the longest.
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.
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.
VVC serves five 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.
Not a LIRP (Life Insurance Retirement Plan) agents use to sell an over-funded retail life insurance policy to the general public.
The STAR Plan is a an institutional IRC §7702 based fund, cash, tax and risk management program for HCE Class individuals.
As a fund investor, does it make more economic sense to give-up:
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 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).
2. The longer we live, the lower the total cost of ILI based investing. “(A+B) < C”
Valley View Consultants, Inc. was founded in 2002 to pioneer direct individual access to Institutional Life Insurance (ILI) 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 is retention-priced - converts increasing ‘white-collar” life expectancy into increasing investment and protection efficiency.
Increasing The STAR Plan Value Proposition … by Further Decreasing the Value of Tax Based Alternatives (“C”).
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 longevity hedge against the expected continued impact longevity has on other planning alternatives.
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.
The Top 10 Q&A’s on ILI’s Different Value Proposition
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.
Using Consumer Disclosure Best Practices for Prudent Defensible Decision Making
Medical science extending HCE Class life expectancy has allowed ILI to evolve into the more cost-efficient and valuable investment management structure.
Not our opinion, but the financial result of applying FINRA and NAIC defined consumer disclosure best practices.
Diversifying fund portfolios with ILI to reduce costs and enhance value for
life, terminal illness and death.
No new money contributions.
Medical science has allowed ILI to evolve into the more efficient savings
and retirement plan complement.
Saving outside a tax-qualified plan.
|IUL Consumer Intervention|
|Professional Advisor Support|
|Estate Counselor Collaboration|
|C. M. Whitelaw|
|J. A. Whitelaw|