Products & Services Available from Premier Planning®

Premier Planning® provides industry-leading final expense whole life insurance products from nationally recognized life insurance carriers to our distribution across the country. As a Premier Planning® agent, you will have access to the following product lines:

Below is a breakdown of each product line to help provide you with a better understanding of our expertise.

Final Expense Solutions

Premier Planning® is an industry leader and innovator when it comes to traditional final expense whole life insurance products. Our principles sit on Advisory Boards of multiple large A-rated insurance companies, which allows Premier Planning® to bring you industry updates as soon as they hit the market for distribution so you can stay ahead of the competition. This allows you to provide your clients and the community you serve with products from nationally well-branded companies before anyone else.

Read about a few of the nationally recognized companies that we work with on Final Expense Solutions:

United of Omaha

We are excited to introduce a whole life insurance product that covers final expenses and more from United of Omaha Life Insurance Company (a Mutual of Omaha Company), one of the strongest brands in the Senior Market. In addition to providing great final expense coverage and more with United of Omaha, you can also help your clients leave a lasting legacy and be remembered long after they're gone with a free membership in Legacy Safeguard.

By combining the United of Omaha product with the Legacy Safeguard service, we now have a powerful new marketing opportunity. Our turn-key marketing system provides agents with support for virtually every part of the sales process. Watch the following video to learn more about how you can use United of Omaha and Legacy Safeguard to set more appointments, make more presentations and close more sales.

Whole life insurance is underwritten by: United of Omaha Life Insurance Company, Mutual of Omaha Plaza, Omaha, NE 68175. United of Omaha is licensed in all states except NY. Product base plans, provisions, features, and riders may not be available in all states and may vary by state.

Monumental Life Insurance Company

Premier Planning® developed an industry leading final expense product in 2004 with Monumental Life Insurance Company. Since then, Monumental Solutions has been the litmus test for new products entering the traditional final expense space. You can gain access to an incredible opportunity with a proven track record by working with Monumental Life and Premier Planning®.

Contact one of our Final Expense National Marketing Directors for state specific product details and information on how you can get started with Monumental Life's company-sponsored and company-supported direct mail lead program.

National Guardian Life

National Guardian Life Insurance Company (NGL) Irrevocable Funeral Trusts are the final piece of the financial planning puzzle! Since 1910, National Guardian Life Insurance Company has consistently been rated one of America's most successful independent mutual life insurance companies. While adhering to the highest standards of quality and integrity, they continually demonstrate a commitment to policy owners, their families and the communities in which they work and live. NGL's well-designed products paired with their high quality service and dedication allow NGL to reaffirm its mission of providing financial peace of mind along with trust, value, and convenience.

Year after year, Premier Planning® leads the country with NGL Funeral Trust sales, and we are excited to work with such a great company. Watch the video below to learn more about how you can use NGL Funeral Trusts with the Legacy Safeguard sales and marketing system.

Kemper Senior Solutions

Premier Planning® brings you the opportunity to work with Kemper Senior Solutions' two incredible products underwritten by Reserve National Insurance Company. There is a need in every agent's portfolio to have a guaranteed issue whole life product and we have met that need with Kemper Senior Solutions. Contact one of our Premier Planning® final expense National Marketing Directors for more information on how to get started and ask about the simple sales presentation to help discuss Kemper Senior Solutions in every client appointment.

In addition to the guaranteed issue whole life insurance plan, Premier Planning® agents can have access to the Kemper Senior Solutions Home Health Care Indemnity Policy. Home Health Care is a major concern for Americans. Long Term Care is unaffordable for most families and difficult to qualify for. Medicare will not pay all expenses associated with home health care. More people are recovering at home instead of having extended hospital stays.

Benefits under Kemper Senior Solutions Home Health Care indemnity policy are payable regardless of any other coverage, including Medicare. It is an incredible product!

Funeral Trusts

As an advisor you serve your clients in all areas of life, make sure you serve them and their families in planning for their final needs. Most of your clients prepare for life's possible events, but the majority of them don't prepare for life's only inevitable event - death.

A recent survey found that 90% of Americans believe pre-funding their funeral is a good idea. However, your client's limited options of doing this have opened up a new line of business for you. Someone is going to offer this to your clients - is it going to be you?

  • 90% of your clients believe pre-funding their funeral is a good idea
  • 71% think this should be done with you, their trusted advisor
  • 16.7 million Americans plan to pre-fund their funeral next year
Survey Source: National Funeral Directors Association's Wirthlin Report

A NGL Funeral Trust provides a family with the most protection of any of the advanced funeral funding options out there; and when you work with Premier Planning®, you will align yourself with the leader in the industry when it comes to Funeral Trusts.


Many Americans have planned in their minds how their loved ones can use current assets to help pay for their funerals. Unfortunately, they don't always share those plans with their loved ones. Perhaps more importantly, individuals overlook the possible inaccessibility of those funds when they need them.

With the TrustGuard Gold plan, you can help your clients set aside funds for their final expenses so their loved ones will have funds available quickly to help pay for their funerals. Once a claim is filed by a funeral provider, it's typically paid within 48 hours.

Why Offer The Trusted Gold Plan?

  • A Unique Solution – that can easily be added to your portfolio
  • Major Revenue Opportunity – applicable to most clients ages 0-99
  • An important piece in your client’s financial planning puzzle
  • From a proven and trusted partner – Forethought understands this market
  • Easy to Sell – Turnkey Client Presentation

Guaranteed Issue Whole Life

Premier Planning® has a major footprint in the Senior Market independent insurance space, but there is one type of product that spans all of life insurance called Guaranteed Issue whole life insurance. Guaranteed Issue is needed and has a unique place in every agent's portfolio.

We are happy to be a leader in Guaranteed Issue whole life insurance and we work with several major name brand life insurance carriers in this market. We align ourselves with top A-rated companies with national name brand recognition. It is one thing to come out with a Guaranteed Issue final expense product, but it is crucial to be able to stay in the market and not be written out of business.

Premier Planning® National Marketing Directors can help you get appointed and set up to write with several of our carriers. Contact one of our offices today and ask for the Final Expense Division.