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I thought I would never be able to get life insurance till I contacted you. Thank you.
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I didn’t think life insurance could be affordable at my age. Thank you for your help.
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This is a joint insurance policy that pays death benefit only when the second person dies.
If your net worth is over $5.43 million, the question you need to ask yourself is if your heirs will have an estate tax implication upon your or your spouse’s death (whoever dies second). And the answer is, yes.
If you do not have cash sitting for your heirs to pay off estate taxes upon death of the last owner, survivorship life or sometimes called second-to-die life insurance is the only way to leave behind an income tax free financial legacy.
Following are some of the reasons why you may want to consider survivorship life insurance:
It covers two lives in one policy making it cost-effective and better than having two individual polices.
It provides necessary cash that your heirs will need to pay off the estate taxes.
It takes away the guessing game out of who will die first.
Insurance companies usually offer more liberal underwriting for these plans. It can be specifically useful if one of the spouses is impaired-risk and difficult to insure.
Apply for Survivorship Life Insurance Quotes
Please fill out the following form for us to understand who you are how best we can serve you. We do not sell your information to third parties and take care of your needs ourselves. Based on the information you provide, one of our experienced agents will contact you right away to understand your situation and find the right carrier with the right plan that makes financial sense for you.
If you don't feel like filling up the form, please call us at 1.866.526.7264 for a no-obligation consultation.
LIFE INSURANCE QUOTES
Find the best rates for Term Life, Return of Premium Term and Guaranteed Universal Life Insurance plans. Compare top-rated carriers and save.
PLEASE NOTE: By law, agents and brokers offering life insurance products cannot charge fee for service from a client. Therefore, your premium is exactly what an insurance company quotes.