Protective Survivor

Protective Survivor℠ UL helps protect an estate plan

Our survivorship universal life insurance can help protect the legacy your clients have worked so hard to build. Typically purchased by married couples, the policy’s death benefit can help offset estate taxes that come due at the passing of the second insured.

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Why recommend Protective Survivor UL?

Your clients can enjoy these benefits from our last survivor protection solution:

Affordable protection for two people

It’s generally less expensive than buying 2 separate policies for spouses or other pairs with insurable interest.

Wealth preservation for estate planning

The death benefit helps protect beneficiaries from losing a large share of their financial legacy to estate taxes that come due at the passing of the survivor.

Flexible coverage options

Features like lifetime lapse protection and the option to adjust their premiums and death benefit helps meet their changing needs.

Consider this solution for clients who:

Are looking for protection for 2 people, typically spouses
Need permanent coverage
Want to supplement their estate plan for wealth preservation

Two women riding in a car together and smiling, knowing they are protected with Protective Survivor UL.

Key product specs

Issue ages available for 20-85
Minimum face amount: $250,000
Coverage length: Policy value and death benefit are guaranteed to maturity age 121 of the younger insured

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