Life Insurance
Term, whole life and universal life coverage designed to protect your family, obligations and legacy.
Term life · Whole life · Universal lifeDiscuss this coverage →Independent guidance. Personal service.Call 718-607-7678
Protect what matters most
Confidence for life’s uncertainties.
Personalized insurance strategies for families, individuals and employers—built to protect lives, incomes and futures.
20 years of experience • New York licensed • Personal service
Protection with purpose
Insurance solutions built around your life.
From income protection to long-term legacy planning, get clear guidance and coverage options matched to your priorities.
Whole LifeLifetime protection with guaranteed features.
Universal LifeFlexible permanent coverage for changing needs.
Term LifeAffordable protection for a defined period.
Living BenefitsDisability, critical illness and accident protection.
Group InsuranceWorkplace benefits for employers and employees.
Personal GuidanceHelp comparing options and understanding coverage.
20+Years serving clients
PersonalOne-to-one guidance
FlexibleIndividual & group options
LocalProudly serving New York
Individual protection
Coverage for every chapter.
Insurance should meet you where you are. We help you understand your choices and select protection that supports what matters to you.
Disability Insurance
Income protection when a covered illness or injury keeps you from working.
Individuals · Business owners · ExecutivesDiscuss this coverage →Critical Illness Insurance
A lump-sum benefit after a covered diagnosis can help with medical and everyday expenses.
Cancer · Heart attack · StrokeDiscuss this coverage →Accident Insurance
Cash benefits can help with covered accident-related care, from emergency treatment through recovery.
24-hour protection · Family optionsDiscuss this coverage →Solutions for employers
Benefits that work harder for your people.
Build a more competitive package without unnecessary complexity. We bring valuable protection directly to the workplace.
Schedule an employer consultationGroup & Worksite Insurance
01
Voluntary benefits
Employee-paid life, disability, critical illness and accident options that complement core benefits.
02
Enrollment support
Clear education and personal guidance so employees can make informed decisions.
03
Employer-sponsored plans
Group solutions that can help attract talent, support retention and protect your team.
A steady hand
Experience you can trust. Guidance you can understand.
Led by Tobiath Wilson, Premier Point Insurance brings 20 years of experience to every conversation. We listen first, explain clearly and recommend coverage based on your actual needs.
✓ Independent, personal guidance✓ Individual and workplace expertise✓ Service before and after enrollment
Let’s talk about your goals →A simpler process
Protection starts with a conversation.
1
Tell us what matters
We learn about your family, income, business or workforce goals.
2
Review your options
We explain suitable coverage and compare available solutions.
3
Move forward confidently
You choose what works, with support through enrollment and beyond.
Questions, answered
Insurance, made clearer.
Every policy is different. These answers are a useful starting point; we’ll explain what applies to you.
Call 718-607-7678 →How much life insurance do I need?+
It depends on income, debts, dependents and long-term goals. We review those factors and compare suitable options with you.
Can a small business offer group benefits?+
Yes. Small and growing businesses can often offer voluntary or employer-sponsored benefits. Carrier requirements vary.
What does disability insurance replace?+
It is designed to replace a portion of earned income when a covered illness or injury prevents you from working.
Are critical illness and accident benefits paid to me?+
Many policies pay benefits directly to the insured, subject to policy terms, exclusions and proof of loss.
Start a conversation
Let’s find your premier point of protection.
Share a few details and we’ll follow up to discuss your needs. There is no obligation.