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Joint Last to Die

This is a cheaper method of insuring two people. Joint last to die, also known as last survivor life insurance pays the death benefit only after both people on the policy pass away.

Two types of joint last to die coverage

The first type, the cost of coverage ends when the first person passes away. This means that the survivor no longer pays the monthly premiums, and the death benefit will still be paid out upon the survivors death.

The second type, is where the monthly premiums will continue to be paid until the death benefit is paid. This means that the surviving spouse continues to pay the premiums until they pass away.

Scenario:

Janice and Ron are the proud parents of three children and six grandchildren. When they pass away, they would like to leave money to their descendants. Joint last to die insurance is an attractive option to them.

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