Who should own the second-to-die/survivorship policy to pay the estate tax?
Most importantly, the insured husband and wife should not own the policy or the policy could be taxed! An Irrevocable Life Insurance Trust or the insureds' children will own the policy. Please call 1-800-233-6481 and one of our experienced counselors, at no fee, will advise and answer all your questions.

I've looked at previous quotes that are too expensive or I've been rated because of medical problems in the past. What's new?!
The vast majority of our clients are just like you. By specializing only with Survivorship Life policies and having a long solid track record with the top insurance companies, we have the clout to obtain very favorable rates. We will search for a top-rated company with favorable underwriting that matches with your history of medical impairments. You are insurable at favorable rates!

Will the survivorship policy reduce my estate tax?
Directly, no. Indirectly, yes. Your estate tax can only be reduced by reducing your taxable estate (i.e. gifts, family limited partnerships, etc.). However, if properly arranged, a survivorship policy will be tax free to the beneficiary, no estate tax and no income tax. If, for example, you only pay over time $200,000 of premiums into a $1,000,000 policy, you've effectively paid $1,000,000 of estate tax for $200,000! Twenty cents on the dollar! This is much better than buying no insurance and paying $1,000,000 of your assets for $1,000,000 of tax!

What are the federal estate tax rates and lifetime exemptions?
The following chart will give you a summary of the tax rates and estate tax exemptions:

What is the likelihood that the above chart will be maintained?
Unlikely! With respect to the political climate now, most tax practitioners are advising their clients to plan upon a death tax of 40-50%. Deferring the acquisition of a survivorship policy when the premiums will increase each year, and your health status may render you uninsurable, convinces most advisors to feel that deferring would be a very high risk with very little benefit.

Isn't the estate tax repealed in 2010?
Assuming the law isn't changed, frozen or modified over the next ten years, yes! However, the estate tax is replaced in 2010 by, simply stated, no stepped-up basis for the decedent's heirs! (Call to review; it's typically a little more complicated.) However, in 2011 the law reverts to the old law (60% maximum estate tax, etc.) with a $1 million lifetime exemption!

What companies do you shop?
Although our inventory of top-rated companies is constantly changing, we can shop 70-80 companies, such as Prudential, MetLife, Transamerica, ING, Lincoln, AXA and Principal, to name a few.

What is the benefit of using your service, SurvivorshipLife.com, as compared with my local agent?
Lowest premiums! Since our market is purely second-to-die insurance, we know where to shop, especially if there are medical impairments. As such, we have the clout to negotiate the lowest premiums, period. This is our niche market and local agents, although well meaning, simply don't have the experience and knowledge of this highly specialized survivorship marketplace.

How can I compare the survivorship life policy that I now own?
Simple. We will provide you with a comparison of the old policy and a new policy. Call one of our counselors at (800) 233-6481 with the current policy information and we'll be happy to provide you with a comparison at no obligation.

I originally purchased a survivorship life policy with a 10-year payment schedule that now has been increased to 14 years with no end in sight! What can I do?
First, request two in-force illustrations from the current carrier. One illustration should demonstrate how many more years to pay the premium to carry the insurance to age 100. The second illustration should do the same but assume a 1% reduction in the current dividend or current interest rate! Second, call our firm and we will do a comparison to measure the value of the current policy versus buying a new policy.

As a time-saver, to speak with an experienced consultant,
CALL US AT (800) 233-6481