Howard Kaye Insurance Agency

Survivorship Life Insurance (aka Second-to-Die Insurance) covers 2 people under 1 policy — and only pays out after BOTH spouses pass away.

That’s why it’s often the lowest-cost life insurance used in estate planning.

And here’s the strategy wealthy families use👇

If assets are passing to the surviving spouse first, there’s typically no estate tax at the first death.
The estate tax problem usually comes later — after both parents pass.

So families use survivorship life insurance to create liquidity for:

✔️ Estate taxes
✔️ Protecting inherited wealth
✔️ Keeping businesses & properties in the family
✔️ Preventing forced asset sales

The goal isn’t just leaving money behind.
It’s making sure your heirs don’t have to sell what you spent a lifetime building.

WealthPreservation HighNetWorth