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These policies are ideal for couples wishing to leave a legacy. Survivorship life insurance is a type of permanent life insurance that insures two people, usually a married couple, and pays the death benefit to beneficiaries only after the second person passes. Variable survivorship life insurance is a type of variable life insurance policy that covers two individuals and pays a death benefit to a beneficiary only after both people have died. Essentially, survivorship life insurance is a joint life insurance policy. Who is survivorship life insurance best for?

Survivorship policies cover two people with one death benefit payable after the death of the second insured.

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