Disclosures

Relationship to Insurance Carriers

Premium Life Shield is not an insurance company. We are an independent marketing organization that connects consumers with licensed insurance representatives. All insurance policies are issued by licensed insurance carriers. Coverage, benefits, and availability vary by state and individual circumstances.

Illustrative Examples

All financial examples, projections, and illustrations on this website are hypothetical and for educational purposes only. Actual policy values, cash values, and death benefits depend on the specific carrier, product, the insured's age, health classification, and policy terms. No guarantee of specific results is made or implied.

Modified Endowment Contracts (MEC)

Single premium life insurance policies are classified as Modified Endowment Contracts (MECs) under federal tax law. While the death benefit remains income-tax-free, withdrawals and loans from MECs are taxed on a last-in, first-out (LIFO) basis and may be subject to a 10% penalty if taken before age 59½. Your licensed representative will explain the specific tax implications for your situation.

State Licensing

Premium Life Shield representatives are licensed in the states where they operate. Not all products are available in all states. Your estate review will be conducted by a representative licensed in your state of residence.

No Obligation

The free estate review offered through this website is entirely complimentary and carries no obligation to purchase any insurance product. You are free to end the conversation at any time.