Only Survivorship Life Policies
We only shop second-to-die/survivorship life policies. That is a policy where two lives (husband and wife) are insured under one life insurance policy. The premiums are inexpensive because the insurance is only paid at the second death to pay the estate tax. We do not shop or sell individual term, whole life or disability policies. Sorry, no exceptions.

Minimum $500,000
To provide the lowest possible pricing, we have a minimum policy face amount of $500,000. Sorry, no exceptions.

Minimum Estate
You should have a minimum estate net worth of $2,000,000.

Medical Impairments OK
Medical impairments okay (e.g., by-pass surgery, prostate cancer, cancer history, diabetes, high blood pressure, etc.). Since the insurance company pays off at the second death, the medical underwriting is much more lenient.