This is a pretty basic article trying to explain the rise in popularity of survivorship (second-to-die) life insurance.  It seems counter-intuitive that couples would have strong interest in this product since the significant increase in estate tax exemptions limits.  Yet, I am receiving a surprisingly high number of inquiries in my own practice.  While 80% of my clients have ultra-high-net-worth ($15 million+), the new found enthusiasm seems to originating from those with net worth from $5 to $15 million…for all of the reasons listed in the article.  Additional reasons – educational funds for grandchildren, guaranteeing inheritances for the next generation while permitting the spending down of one’s current assets, attractive tax-free returns on death benefit, etc.

To read the article, click here.