Joint First-to-Die Coverage

Joint first-to-die coverage pays a death benefit on the first death, ensuring that loved ones and young families can receive replacement income and not be burdened by a large mortgage or other debt upon the death of a primary breadwinner. This coverage includes a survivor benefit, which allows the survivor to apply for a new policy within 60 days of the first death without providing medical evidence. The survivor is automatically covered under temporary life insurance for 60 days after the first death or until he or she applies for a new policy.