Comments on: Joint First-To-Die Life Insurance in Canada: Pros and Cons https://briansoinsurance.com/joint-first-to-die-life-insurance/ Taking care of the "if" in life Thu, 08 Jan 2026 20:21:41 +0000 hourly 1 https://wordpress.org/?v=6.9.4 By: Joint First-to-Die Life Insurance: A Smart Financial Move for Canadian Couples https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-11447 Tue, 16 Jan 2024 04:25:15 +0000 http://aafsinsurance.com/?p=1665#comment-11447 […] Source : Joint First-To-Die Life Insurance: Pros and Cons – briansoinsurance […]

]]> By: Denise https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-10872 Fri, 13 Oct 2023 18:03:34 +0000 http://aafsinsurance.com/?p=1665#comment-10872 Hi, can you provide a quote for first to die policy? Husband 61, wife 60, both non-smokers. $200,000

Thanks

]]> By: Brian So, CFP, CLU, CHS, BSc https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-6038 Sat, 29 Oct 2022 05:27:13 +0000 http://aafsinsurance.com/?p=1665#comment-6038 In reply to John Wu.

Hi John, thanks for the comment. Joint first-to-die has its place in certain situations. For example, it’s a great replacement for mortgage life insurance, especially if you choose a reducing death benefit option.

]]> By: John Wu https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-6032 Fri, 28 Oct 2022 22:37:13 +0000 http://aafsinsurance.com/?p=1665#comment-6032 In reply to Bill.

joint first to die policies are generally trash. high premiums for one payout unless both party dies at the same time or within 60 days of the first persons death. the survivor generally is able to setup a new policy without having to go through underwriting but has to pay at the new age. savings are less than 15% for a joint policy so it’s not worth the savings.

]]> By: cynthia r caver https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-1152 Thu, 10 Jun 2021 21:47:38 +0000 http://aafsinsurance.com/?p=1665#comment-1152 Could you give me a quote on a male 58 diabetic overweight, female 58, both smoke.
First to die policy and length of time for $100,000 or $200,000

]]> By: KEITH JESKE https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-909 Sun, 14 Feb 2021 22:25:43 +0000 http://aafsinsurance.com/?p=1665#comment-909 How much for first to die policy for us: Husband 70, wife 66
both non-smokers, husband and wife perfect health?
Thanks very much
keith

]]> By: Brian So https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-836 Tue, 29 Dec 2020 02:00:41 +0000 http://aafsinsurance.com/?p=1665#comment-836 In reply to Irene.

Hi Irene, please check your email inbox, thanks.

]]> By: Irene https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-834 Mon, 28 Dec 2020 08:25:42 +0000 http://aafsinsurance.com/?p=1665#comment-834 Hi Brian,

Can you please quote JFTD Term 20 $1.5million, JFTD Term 20 $750,000 and JFTD Term 10 $750,000 for Male 47 and Female 41?

Thanks!

]]> By: Brian So https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-779 Mon, 14 Dec 2020 22:50:04 +0000 http://aafsinsurance.com/?p=1665#comment-779 In reply to Eric Bertz.

Hi Eric, thanks for the request. Unfortunately, we’re not licensed in the US so I can’t provide a quote for you.

]]> By: Eric Bertz https://briansoinsurance.com/joint-first-to-die-life-insurance/#comment-778 Mon, 14 Dec 2020 22:47:17 +0000 http://aafsinsurance.com/?p=1665#comment-778 Hi Brian,

can I get a proposal for 1st to die life:
Deena – 11/7/66, female, preferred non smoker, Massachusetts
Steve – 7/15/66, male, preferred non smoker, Massachusetts
1mm coverage, solve for premium for policy to last 15 years, then lapse… otherwise, if duration is beyond 15 years, what is shortest duration we can solve for paying premiums all years?
thanks, Eric Bertz
508-450-9578

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