Joint Life / Survivorship Life Insurance

"Joint life coverage: one policy, two lives, lasting peace of mind.”

—Suze Orman

One policy. Two lives. Lasting legacy.

How It Protects and Transfers Wealth

Joint Life and Survivorship Life Insurance (also known as second-to-die insurance) covers two people under one policy, typically spouses, and pays out the death benefit after both have passed away. It’s designed to help cover estate taxes, legacy planning, or wealth transfer needs, while offering cost savings compared to two individual policies. Many policies include cash value accumulation and flexible planning options.

Ideal for Couples Focused on Estate Planning

This strategy is best for high-net-worth couples, blended families, or business partners who want to leave a tax-efficient legacy, fund a trust, or preserve wealth across generations. It’s a strong fit for those with long-term financial goals and a desire to support heirs, charities, or future planning needs.

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