Default Policies are everywhere
You deserve one that's designed FOR you
Hard to understand
Agents advise the default because other plans are too complex and hard to implement. Or they do, but at your cost and own risk
High insurance costs
Easy to say which plan is cheap and expensive. But try to look at the comparison and do the math. It will make sense
Deceiving promises
Agents might lure you into tons of financial products they offer and sound like experts, in the end you're tied to investments you're not ready for
Here's an idea of How much tiered plans Can Cost
Suitability Approach
Life Essentials
$14-37/m
Term Life
Lower premiums
Locks in your health today
Conversion previlage
Temporary coverage
*For a 25y/o female & non-smoker
Tiered Life Pro
$58-167/m
Universal Life +
Flexible premiums
Use funds from cash value*
Guaranteed death benefit protection
Tax-deferred income growth
*For a 25y/o female & non-smoker
Tiered Life ULTRA
$698/m up
Whole Life
Fixed premiums
Lifetime coverage with stable costs
Use funds from cash value*
Guaranteed cash value
*For a 25y/o female & non-smoker
*Policyholders may borrow against their Universal Life policy’s cash value once it reaches a safe threshold, ensuring the policy’s sustainability and growth. Terms and conditions apply, and over-borrowing may affect policy performance
Reviews mean nothing
if they can't be traced back from a public reputation platform. Ours is linked with Google!
Your Protection, Their Hope
At Tiered Life Plan, we believe in making a difference—both in securing your future and in giving back. That’s why every step we take to protect families also helps feed children in need.
Through our partnership with Canadian Feed the Children, we’re turning financial security into a force for good. More lives protected means more children nourished.
Join us in creating a future where every family thrives.
Because protection should go beyond policies—it should change lives.
don't wait until your 40's! here are
5 Easy Moves to Building Wealth Now
Grab your FREE checklist here
Interactive Digital PDF
Here's what you get:
Build Savings & Escape the Debt Trap
Make Smart Money Moves in Your 20s/30s
Start Investing & Grow Your Wealth
Avoid Common Financial Mistakes
Total value: $12
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"Surprising facts and info"
"Basically what my parents were saying, but organized in order, to make it easy to implement" - Lisa
Brand Story
Hi, I’m Pearl, the insurance strategist behind Tiered Life Plans, where smart coverage meets thoughtful design. I’ve spent years simplifying the complexities of life insurance to help people like you protect what matters today and build wealth for tomorrow.
Most policies? They’re one-size-fits-all, leaving you with coverage that doesn’t grow with you. That’s why I created Tiered Life Plans—strategies that combine term and permanent coverage, tailored to your unique goals. And yes, the Tiered Life Plan Pro
is a hidden gem, designed for those ready to take their financial protection to the next level. But here’s the thing—it’s not for everyone. It’s highly specialized, requires the right fit, and needs someone who knows how to build it right. That’s where I come in.
If you’re ready to go beyond the basics, let’s chat and see if this strategy is the right fit for you.
Frequently Asked Questions
What makes Tiered Life Plans different from regular insurance?
Unlike one-size-fits-all policies, Tiered Life Plans are tailored to your unique needs. We combine term and permanent coverage into a strategy that grows with you—and with the Tiered Life Plan Pro, you can even unlock advanced wealth-building benefits. Curious if this could work for you? Click the Chat icon below and ask away.
Do I qualify for the Tiered Life Plan Pro?
This advanced strategy isn’t for everyone—it’s designed for those ready to move beyond basic coverage. But don’t worry, qualifying is simple, and our chatbot can guide you through a quick suitability check!
Why are structured or tiered plans a good idea (if suitable)?
Structured or tiered plans give you flexibility, affordability, and the ability to grow your coverage as your life evolves. Instead of locking yourself into one big policy or relying solely on basic coverage, you get the best of both worlds—a tailored solution built for your goals. Interested in how this works? Our chatbot is ready to help!
• Person A pays for a basic term policy, which is cheap now but ends after 20 years—leaving them unprotected just when they might need it most. Or renew at a price 6X more.
• Person B pays for one huge permanent policy, which offers lifetime protection but costs so much they struggle to balance other financial goals.
• Person C chooses a tiered plan, with affordable term coverage for temporary needs (like a mortgage) and permanent coverage for things like final taxes or leaving a legacy. They pay less upfront and still get lifetime protection where it matters most.
Tiered plans just make sense—they’re built for real-life needs and give you control over your coverage. Want to see how it could work for you? Click the Chat icon below and ask away.
Why do you say this plan is a “hidden gem”?
Because not every agent or broker offers it! This strategy requires a specialist (like me) who understands layering and regulated insurance strategies. Want to learn how it could benefit you? Click the Chat icon below and ask away.
What happens if I start with Basic and want to upgrade later?
That’s the beauty of Tiered Life Plans—they’re designed to evolve with your life. Whether it’s switching to Pro or layering on new coverage, we make it easy to adjust. Got questions? Click the Chat icon below and ask away.