Premier Protection Plan

Premium Life Insurance

$249/month

For high-net-worth individuals and established families, the Premier Protection Plan delivers maximum life insurance benefits paired with sophisticated estate planning support. This is our flagship offering — designed to preserve wealth, minimize tax exposure, and ensure a lasting legacy.

Work directly with senior advisors who specialize in complex financial situations, business succession, and multi-generational wealth transfer strategies.

Up to $5M coverage

Estate planning tools

Permanent & term options

No payment is collected online. A representative will contact you after checkout.

Plan Benefits

Legacy-Level Protection

Premium coverage engineered for wealth preservation, business continuity, and generational security.

Maximum Coverage

Benefit limits up to $5 million provide the depth of protection high-value estates require.

Estate Tax Planning

Structured payouts help heirs manage estate taxes and avoid forced asset liquidation.

Trust Integration

Policies can be owned by irrevocable life insurance trusts (ILITs) for advanced planning.

Senior Advisor Access

Direct access to senior financial strategists with expertise in complex portfolios.

Key Features

Sophisticated Coverage Tools

The Premier Protection Plan goes beyond standard life insurance with features tailored for affluent clients and business owners.

Universal and whole life permanent policy options
Cash value accumulation with tax-deferred growth potential
Business key-person and buy-sell agreement funding
Charitable giving rider for legacy philanthropy
Long-term care acceleration of death benefit
Annual in-force policy illustration and review

Coverage Details

What's Covered and What's Not

Premium protection with clearly defined scope for high-value policyholders.

What's Covered

Death benefit up to $5,000,000 per insured
Accelerated benefits for terminal and chronic illness
Long-term care benefit acceleration (with rider)
Business succession and key-person coverage
Cash value loans and withdrawals on permanent policies
Charitable remainder trust beneficiary designation

What's Not Covered

Suicide within the contestability period
Death from undisclosed foreign travel to restricted regions
Material misrepresentation during underwriting
Cash value guarantees beyond illustrated projections
Long-term care benefits without elected rider
Policy loans exceeding available cash surrender value

Questions & Answers

Premier Protection FAQ

Guidance for clients evaluating our most comprehensive life insurance offering.

This plan is designed for business owners, high-income professionals, and families with significant assets who need coverage above $1 million. It's also ideal for those engaged in estate planning, trust funding, or business succession strategies.

Term options provide high coverage at lower cost for a set period. Permanent options (whole or universal life) offer lifelong coverage with cash value accumulation. Many Premier clients use a blend — term for immediate needs and permanent for estate and legacy planning.

Absolutely. The Premier Protection Plan is frequently used to fund buy-sell agreements, ensuring surviving business partners have the liquidity to purchase a deceased partner's share without disrupting operations or depleting reserves.

Coverage above $2 million typically requires a full medical exam, financial documentation, and an attending physician statement. Our senior advisors coordinate the entire process and work with underwriters to present your application in the best light.

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Premier Protection Plan