Since estate taxes are usually paid at the death of the second spouse, this type of life insurance is paid at the death of the second spouse. This joint-mortality makes the coverage much less expensive. The joint-mortality also allows couples to get this coverage even when one spouse is virtually uninsurable through traditional underwriting. This coverage provides tremendous leveraging for estate taxes and legacy planning.

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Securities products and investment advisory services offered
 through Raymond James Financial Services, Inc. 
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Copyright Peak Planning Group 1999-2005

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