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Premium coverage is for someone that's not only trying to protect themselves from major losses. Premium coverage users value their investment, understand its worth, and are willing to "pay more now" to gain more benefit in the future. When viewing your retirement plan from this perspective, you'll want to think about best practices for saving, to ensure your nest egg is substantial enough for your expected future financial needs.
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Platinum coverage is typically packed full of extra perks and benefits. In the insurance world and in other areas such as customer loyalty programs, Platinum "status" tends to include people who are extremely committed to a product. Platinum level users know the product inside and out. They believe in the product! They invest considerable time and resources to get the most benefit from the product. They sometimes even recruit other people to this same status level because they want to share that benefit and knowledge with others!
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