Products – Premier Global Advisors

Tailored Solutions

Private Placement Life and Variable Universal Life

Business Protection with Key Person Insurance

Professional Indemnity

Professional Indemnity Insurance is an important consideration for businesses and individuals providing professional advice, services or expertise. It can provide cover for legal liability arising from alleged errors, omissions, negligence or breaches of professional duty, helping to manage the financial impact of claims and associated legal costs. With appropriate cover in place, professionals can focus on their work with greater confidence while managing the risks associated with their professional responsibilities.

Professional Indemnity Insurance helps protect professionals and their businesses against claims arising from errors, omissions, negligence or breaches of professional duty.
It can provide cover for legal defence costs, settlements and other expenses, subject to the terms and conditions of the policy.

Director & Officers Liability

Directors and senior executives make decisions every day that can have significant implications for a company and its stakeholders. Directors & Officers Liability Insurance is designed to help protect individuals from personal financial exposure arising from claims relating to decisions or actions taken in their capacity as directors or officers. It can provide valuable support when faced with legal claims, investigations or proceedings connected to their management responsibilities.

Directors & Officers Liability Insurance helps protect directors and officers against personal legal liability arising from alleged wrongful acts committed in their capacity as company directors or officers.
Cover may extend to legal defence costs and certain regulatory investigations or proceedings, subject to the policy terms and applicable legislation.

Product Liability Insurance

Businesses involved in the manufacture, distribution or sale of products can face significant financial exposure if a product causes injury, illness or damage to third-party property. Product Liability Insurance is designed to help businesses manage these risks and the potential costs associated with product-related claims. It can form an important part of a broader risk management strategy for businesses operating across local and international markets.

Product Liability Insurance helps protect businesses against legal liability arising from injury or property damage allegedly caused by products they manufacture, distribute or supply.
It can assist with legal defence costs, compensation and related expenses arising from covered claims, subject to the terms of the policy.

Marine Cargo Insurance

Goods can be exposed to a range of risks from the moment they leave their point of origin until they reach their final destination. Marine Cargo Insurance is designed to provide cover for loss or damage to goods while they are being transported, whether by sea, air, road or a combination of transportation methods. It can provide businesses with greater confidence when managing domestic and international supply chains.

Marine Cargo Insurance can cover physical loss or damage to goods during transit, subject to the selected policy conditions and exclusions.
It can be structured to support individual shipments or ongoing transportation needs, depending on the nature and frequency of your business activities.

International Medical Insurance

For individuals and families living, working or travelling internationally, access to reliable healthcare is an important part of long-term financial planning. International Medical Insurance is designed to provide medical coverage across multiple countries, helping individuals manage eligible healthcare and hospitalisation expenses while overseas. Depending on the plan, coverage can be tailored around geographical requirements, healthcare preferences and individual circumstances.

International Medical Insurance can provide coverage for eligible hospitalisation, medical treatment and specialist care across selected international territories.
Depending on the policy, benefits may include emergency medical treatment, evacuation and other healthcare services, subject to the applicable terms and conditions.

Private Placement Life Insurance, including Variable Universal Life

Private Placement Life Insurance (PPLI), including Variable Universal Life structures, can form part of a sophisticated approach to wealth structuring, succession planning and long-term financial planning. These solutions combine life insurance with investment flexibility and may be considered by individuals and families with more complex wealth management requirements. The structure can be tailored to complement broader estate, succession and wealth planning strategies, subject to applicable laws and regulatory requirements.

Private Placement Life Insurance can combine life insurance coverage with investment options within a policy structure.
Variable Universal Life may offer flexibility in premium funding, policy values and investment allocations, depending on the policy structure.
These solutions can be considered as part of broader estate planning, wealth transfer and succession strategies.

Business Protection, including Key Person Insurance

People are often among a business’s most valuable assets, and the unexpected loss of a key individual can create significant financial and operational challenges. Business Protection solutions are designed to help businesses prepare for events that could affect their financial stability, including the death or disability of key individuals. Key Person Insurance can provide financial support to help a business manage the disruption and costs associated with losing someone whose expertise, relationships or leadership are critical to the organisation.

Key Person Insurance can provide financial support to a business following the death or, where applicable, disability of an important employee, executive or business owner.
The proceeds may help address recruitment and replacement costs, outstanding financial obligations and other business expenses, subject to the policy terms.
Business Protection can also be structured to support continuity and financial stability during periods of transition.

Whole of Life Insurance

Whole of Life Insurance is designed to provide long-term life coverage and can form an important component of broader financial and estate planning. Unlike insurance designed solely around a fixed term, whole of life solutions are generally structured to provide coverage throughout the insured’s lifetime, subject to the policy terms and continued compliance with policy requirements. Depending on the structure, it may also support long-term wealth transfer and legacy planning.

Whole of Life Insurance provides lifelong life coverage, subject to the terms, conditions and requirements of the policy.
Depending on the policy structure, it may provide a cash value component alongside the life insurance benefit.
It can be incorporated into estate planning, wealth transfer and legacy strategies to help provide financial support for future generations.