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Survivorship life insurance, also known as second-to-die life insurance, is a joint policy that covers two people—typically spouses or business partners under a single contract. The policy pays out the cash death benefit only after both covered individuals have passed away.
Because the insurance carrier only pays out after the second death, survivorship insurance is significantly more affordable than purchasing two separate individual permanent policies. It is a premier financial tool for estate tax planning, wealth transfer, and family legacy creation.
Protect your hard-earned assets from heavy estate taxes and ensure your heirs receive their full inheritance intact.
Cheaper than buying two individual policies because payouts occur only after the second death.
Provides immediate tax-free cash to pay state and federal estate taxes without liquidating property or stocks.
Allows parents to leave physical assets (like a family business or farm) to one child while giving equal cash proceeds to others.
If one spouse has health issues, the policy can often still be approved based on the healthier spouse's life expectancy.
Builds accessible cash value over time that can be borrowed against during your lifetime.
Beneficiaries receive the final death benefit completely free of federal income tax.
Explore specialized joint policy structures tailored to your financial goals and investment preferences.
Features fixed monthly premiums, guaranteed death benefit protection, and steady, guaranteed cash value accumulation over two lives.
Offers flexible premium options and adjustable benefit amounts to adapt to evolving family or estate planning needs.
Combines joint second-to-die permanent protection with equity and bond sub-account investment choices for higher growth potential.
Essential protection for high-net-worth couples, business owners, and estate planners.
Families facing substantial federal or state estate tax obligations upon death.
Owners wanting to pass real estate or business assets intact to the next generation.
Couples funding a trust to support a dependent child after both parents pass.
Partners where one individual has chronic health issues preventing single coverage.
Families looking to balance inheritance distributions among multiple children.
Partners structuring joint buyout agreements or legacy funding.
Without proper liquidity, heirs are often forced to sell family homes, real estate, or business shares under market value just to pay federal estate taxes and administrative costs. Survivorship life insurance solves this dilemma by providing immediate, tax-free cash exactly when estate taxes become due.
By bundling two lives into a single contract, you secure maximum protection at a fraction of the cost of two individual policies. It is an indispensable tool for protecting what you spent a lifetime building
Strategic advantages designed for liquidity, estate conservation, and tax efficiency.
Cheaper premium rates compared to buying two individual permanent policies.
Provides instant cash to settle estate taxes, legal fees, and debts.
High chance of approval even if one spouse has severe medical conditions.
Prevents forced liquidation of real estate, farms, or family businesses.
Accumulates accessible reserves that grow without annual taxes.
Beneficiaries receive the final benefit free of income tax.
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Simple steps to establish a second-to-die policy for your estate.
1
Calculate estimated estate tax obligations or legacy goals with an advisor.
2
Choose between Survivorship Whole Life, Universal Life, or Variable Universal.
3
Fill out health and financial questionnaires for both individuals.
4
Pay a single combined premium to lock in permanent joint estate protection.
Estimated combined monthly premiums for a $1,000,000 second-to-die permanent policy (both applicants non-smokers).
|
COUPLE AVERAGE AGE
|
JOINT MONTHLY PREMIUM
|
|---|---|
|
45
|
$380/mo
|
|
55
|
$650/mo
|
|
65
|
$1,250/mo
|
|
70
|
$2,100/mo
|
Sample rates represent joint second-to-die estimates. Actual pricing depends on exact ages, health statuses of both individuals, policy type (Whole vs. Universal), and carrier.
We work directly with top estate attorneys and carriers to design optimal wealth preservation strategies.
Access survivorship plans backed by financially rock-solid, A-rated insurers.
Customized policy structures aligned with your trust and estate plan.
Independent, objective advice focused entirely on your family's financial legacy.
Direct collaboration with your financial planners, attorneys, and tax advisors.
Start with a few basic details — takes less than a minute.
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The policy pays out the full death benefit only after the second (surviving) policyholder passes away. No death benefit is paid upon the death of the first spouse.
Because the insurance carrier only pays out once (after both individuals have died), the joint life expectancy is longer. This reduces the carrier's risk and results in significantly lower monthly premiums.
Survivorship insurance is often much easier to qualify for! As long as one spouse is in reasonably good health, insurance companies will frequently issue coverage even if the other spouse has serious pre-existing conditions.
Yes. In fact, many couples place survivorship policies inside an Irrevocable Life Insurance Trust (ILIT) to ensure the death benefit proceeds remain entirely outside their taxable estate.
When the first spouse passes away, the policy stays active, and premiums continue to be paid (unless structured as fully paid-up) until the second spouse passes away.
Burial Senior Insurance provides information and services related to burial insurance for senior citizens, including policy options and end-of-life support services.
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