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Survivorship Life Insurance (second-to-die) insures two lives and pays out after the second person passes. It’s a powerful estate planning strategy because: • Provides liquidity when estate taxes may be due • Often offers stronger insurability if one spouse has health concerns • Can be more cost-effective than two separate policies • Supports long-term goals like business succession, special needs planning, and wealth transfer When structured properly, it helps preserve assets and protect the ne
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