About Joint Life Insurance

Joint life insurance is a permanent policy that covers two lives as opposed to a single life policy that protects one person. There are two types of Joint life insurance:

Joint First-to-Die Life Insurance

Joint first-to-die life insurance policy pays a death benefit when the first person dies at which time the policy is terminated. Some companies include a survivor benefit that lets the surviving spouse apply for a new policy with no medical exam.

Joint Last-to-Die Life Insurance

Joint last-to-die insurance policy pays a death benefit upon passing of the second spouse. This policy is often taken out for estate preservation purposes. Your beneficiaries can use the payout to cover debts, capital gains taxes or other expenses associated with an estate.

Although at this time we do not offer Joint Life Insurance, there is a full range of options we are able to provide.

We search life insurance so you don't have to!