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Reply to Joint Whole Life First to Die     
Old 09-29-2015, 03:23 PM   #1
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WinoBlues on Joint Whole Life First to Die
 
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Joint Whole Life First to Die Joint Whole Life First to Die
Anyone have any information on the new Assurity product?
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Old 09-29-2015, 03:30 PM   #2
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
Webinar is scheduled for Thursday.
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Old 09-29-2015, 04:13 PM   #3
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
what's the benefit of first to die whole life vs just getting 2 individual life policies?
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Old 09-29-2015, 04:19 PM   #4
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Aram Fingal on Joint Whole Life First to Die
 
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
Originally Posted by tlmarketing View Post
what's the benefit of first to die whole life vs just getting 2 individual life policies?
I believe that you pay a fair bit less for one of these policies than you do for two separate policies. If the idea is to make sure there is enough money for the surviving spouse, and not to pass on money to heirs, then these make sense.

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Old 09-29-2015, 04:40 PM   #5
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Justin Bilyj on Joint Whole Life First to Die
 
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
I misread the title, I thought "Joint Whole Life will be the first to die..."
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Old 09-29-2015, 04:55 PM   #6
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WinoBlues on Joint Whole Life First to Die
 
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Joint Whole Life First to Die Re: Joint Whole Life First to Die WinoBlues is the thread starter for: Joint Whole Life First to Die

Originally Posted by emptyeternity View Post
I misread the title, I thought "Joint Whole Life will be the first to die..."
That is how the webinar email referred to it. I assume that they are talking about a first to die.

The premium difference will need to be substantial I am thinking.

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Old 09-29-2015, 05:07 PM   #7
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
I wanted to insure a guy for a recent heart attack, the only coverage I could find for him was a first-to-die policy, even though I know these are for estate planning it seems.
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Old 09-29-2015, 05:23 PM   #8
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Originally Posted by emptyeternity View Post
I wanted to insure a guy for a recent heart attack, the only coverage I could find for him was a first-to-die policy, even though I know these are for estate planning it seems.
Are you sure that was not a last to die?
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Old 09-29-2015, 05:24 PM   #9
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
I'd use it for retirement income continuation purposes.

Married couple, but primary bread earner has single life payouts on annuities and pensions.

Buy this product and if he should go first, she will have assurity for her ongoing retirement income (pardon the pun). It would also be an inexpensive way to replace her SS retirement income if she should go first.

Just my thoughts.
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Old 09-29-2015, 07:26 PM   #10
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rousemark on Joint Whole Life First to Die
 
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Joint Whole Life First to Die Re: Joint Whole Life First to Die
Originally Posted by WinoBlues View Post
That is how the webinar email referred to it. I assume that they are talking about a first to die.

The premium difference will need to be substantial I am thinking.
Seems I remember it being about 30% less than separate polices.
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