Joint life insurance is a single insurance policy taken out on 2 people, typically husband and wife. Both parties own the policy jointly and are insured for the same amount, but the benefit is paid out only once. Policies can be either first-to-die or second-to-die. In first-to-die, the benefit is paid to the surviving spouse; in second-to-die policies, the benefit is paid to a estate beneficiaries. Policies can be Term, Whole or Universal.

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