Second-To-Die Life Insurance

The main reason some couples carry life insurance is to pay estate taxes. Because a properly structured estate plan can defer all estate taxes when the first spouse dies, estate liquidity insurance is not needed until the second spouse dies.

Second-to-die insurance pays off only when the second spouse dies. Because it is based on the mortality of two lives instead of one, premiums are usually significantly lower than on a standard policy.

Policy Types Available Policy Characteristics Which Is Right For Me? Irrevocable Life Insurance Trust

Combining Policies How Much Do I Need? Second-To-Die Life Insurance Life Insurance and Estate Plan

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