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Joint First to Die

Are you looking for a cheaper policy in which you can call a 2 for 1 special? Joint first to die life insurance does just that. You can put two people on the same policy, which by doing so creates a cheaper product. The reason being is that even though two people are on the policy, only one of these people have the life insurance coverage. The person who is insured, is the person who is first to die. Once this first person passes away, the death benefit is paid, and the policy is no longer in force.


Suzanne and Jeff are married and have two children 13 and 15 years old. They decide to take out $500,000 in joint first to die insurance. When one of them dies, the insurance company will pay out the $500,000 death benefit to the surviving spouse. The insurance policy will then be paid up and cancelled.

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