Disadvantages Of:
Term Life
Whole Life
Universal Life
Guaranteed Issue
Burial Insurance
Second To Die Life
Credit Life?
Children's Life
Accidental Death
Critical Illness

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"When you want to test the depths of a stream,
don’t use both feet"

~Chinese proverb

Disadvantages of Second to Die Life:

  • Benefit isn't paid until second death
  • Policy might not be dividable in case of divorce
  • Only for very large estates
  • Usually $100k-$250k minimum
  • Not practical if both spouces are insurable
  • May charge higher premiums than two seperate policies
  • Death benefit may be taxable
  • Not needed if you can eliminate your estate taxes


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"All the hours wound you, the last one kills" "

~ Latin proveb

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Craig Casey
Independent Insurance Agent
California License #0B81661
PO Box 444
Jacumba, California 91934
1-619-766-3213

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