Survivorship Life Insurance
Affordable Life USA has been helping people across the country secure affordable survivorship life insurance for more than thirty-five years.
Survivorship (or second-to-die) life insurance covers a married couple under one policy and pays out only after both have passed away.
While it’s usually used for estate planning, this type of policy can support all kinds of financial goals:
- Estate Planning: Helps cover estate taxes, often used with trusts to keep the payout outside the taxable estate.
- Asset Protection: Can prevent a forced sale of your home or business, making it easier to pass on assets.
- Leave a Legacy: Creates an inheritance for children and supports long-term financial security for your family.
- Special Needs: Policies can be used to fund trusts that care for children with special needs.
- Charitable Giving: Death benefits can make a significant impact by supporting charities and causes close to your heart.
- Estate Equality: Balances the estate if one child inherits a business by providing cash or assets for other heirs.
- Business Succession: Helps business partners ensure the company can continue or transition smoothly in the event that both owners pass away.
Are you contemplating second-to-die life insurance? Our independent agency is ready to help you assess your options and find the right match for your needs.
We work with a variety of insurance providers to secure the most cost-effective policy for you.
To initiate the process, please complete the details below, and we will promptly provide you with a customized quotation via email.

Survivorship Life Insurance Quotes
Tips for Buying Survivorship Life
It’s wonderful that you are taking steps to find a suitable policy for your family’s estate planning needs.
We are here to assist you in locating a survivorship life policy that can effectively transfer wealth to your beneficiaries or facilitate paying estate taxes after both parties pass away.
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Easy Qualification Process
To qualify for coverage, you and your spouse must provide the details of your medical history and undergo a brief medical examination as part of the application process.
Don’t worry! Survivorship life policies have very relaxed underwriting criteria, and most couples qualify for coverage.
This means that couples can qualify for coverage even if one spouse has health issues, provided the other spouse is in acceptable health.
Good news! Since survivorship insurance covers two lives with one policy, it is much cheaper than buying separate permanent policies for both partners.
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Buy Guaranteed Protection
When selecting a policy, it is important to buy one that will last your entire lifetime.
Remember that survivorship insurance is purchased for the death benefit only, not to build cash value inside the policy.
We recommend survivorship universal life (SUL), which provides contractual guarantees that coverage will continue as long as premiums are paid on time.
These affordable SUL policies offer lower fees and expenses than traditional whole-life coverage.
Check out our convenient rate chart for estimates of the annual premiums for a million-dollar policy offering lifetime protection.
Ages | Premium | Benefit |
60/60 | $10,100 | $1,000,000 |
65/65 | $13,200 | $1,000,000 |
70/70 | $18,200 | $1,000,000 |
75/75 | $24,100 | $1,000,000 |
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Selecting A Life Insurance Company
It’s important to note that the cost of second-to-die life insurance can differ significantly from one insurance company to another.
Each insurer has its medical criteria for evaluating applicants, which can impact your premiums.
Our insurers offer competitive rates and have received excellent ratings from trusted sources, including the Better Business Bureau, A.M. Best, and J.D. Power.
BBB | AM Best | JD Power | |
American General | A+ | A | 718 |
John Hancock | A+ | A+ | 739 |
Lincoln Financial | A+ | A+ | 744 |
Mass Mutual | A+ | A++ | 780 |
Mutual of Omaha | A+ | A+ | 766 |
Nationwide | A+ | A+ | 806 |
Pacific Life | A+ | A+ | N/A |
Principal Financial | A+ | A+ | 774 |
Protective Life | A+ | A+ | 742 |
Prudential | A | A+ | 770 |
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Should You Consider an Individual Policy?
Second-to-die life insurance isn’t the right fit for every couple. If your main goal is to make sure your partner is financially secure if you die first, separate policies are the way to go.
If you’re shopping for life insurance as a couple, decide if you both need individual policies or whether a survivorship coverage would be a better idea.
It’s always a good idea to compare your choices. Try using a life insurance calculator to see how different policy types and coverage amounts work out for you.

Individual Life Insurance Quotes
- Select Duration
- Select Amount
- Press Get Quote
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Affordable Life USA offers comprehensive life insurance solutions to families and business owners throughout the United States.
Our founder, Eric Van Haaften, developed his passion for quantitative analysis while earning his business degree from Ferris State University, which laid a strong foundation for his analytical approach to financial planning.
Eric has obtained a professional LUTCF designation, awarded by the National Association of Insurance and Financial Advisors and the American College of Financial Services.
Another professional accolade is qualifying for the prestigious Million Dollar Round Table. Eric also serves as the treasurer of the Senior Sing Along charity.
Eric Van Haaften, LUTCF
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Affordable Life USA
Email: eric@affordablelifeusa.com 2524 Wodmeadow Grand Rapids, MI 49546
1-877-249-1358
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