Survivorship Builder
planning

Survivorship life insurance covers two lives under one policy

Survivorship Builder is a single policy covering two lives that pays the death benefit upon the second insured’s death. 

Infographic

Provide death benefit proceeds and build tax-deferred account value.

Explore the possible advantages of a survivorship life policy

Survivorship Builder is a flexible premium indexed universal life insurance policy that covers two lives under a single policy. By covering two lives under one policy, Survivorship Builder can play an integral role in your financial planning by providing the following benefits:

  • Pays an income tax free death benefit at the second death.
  • Provides liquidity for estate taxes and efficient wealth transfer.
  • Potential for tax advantaged access to cash values to supplement income needs.

Under certain circumstances, people who would otherwise be uninsurable on a single life insurance policy due to their health can be covered with another individual.

Survivorship Builder can also provide more efficient cash value accumulation due to lower insurance charges than a single-life policy.

wave

Product Highlights

product detail
  • Covers two lives under one policy

  • Might provide coverage for people who would otherwise be uninsurable on a single life insurance policy due to their health

  • Can offer liquidity and tax advantages

have questions icon
Explore the potential advantages of covering two lives under one policy.

Speak to your life insurance professional about Survivorship Builder today.