Survivorship Whole Life
Survivorship Whole Life is a level premium, second-to-die, participating whole life insurance policy offering a guaranteed death benefit and cash value, and the potential to earn dividends, which are not guaranteed.
Issue Ages:
Survivorship Whole Life 100: 18-85
Survivorship Whole Life 12 Pay: 25-75
Maximum difference in age between the two insureds is 25 years.
Minimum Face Amount: $100,000
Riders Available: Accelerated Death Benefit for Terminal Illness of Surviving Insured, Estate Protection, Policy Split Option, Survivorship Additional Life Insurance, Survivorship Life Insurance Supplement, Waiver of Premium, Waiver of Premium upon Death of Specified Insured, Enhanced Surrender Value Rider
Sales Tools
| Audience | Document | Updated | Link |
|---|---|---|---|
| Advisor Use Only | Forms | 11/20/2025 | Click Here |
| Advisor Use Only | Multi-Carrier Underwriting Guide | 04/23/2026 | Click Here |
Product Resources
| Audience | Document | Updated | Form Number | Link |
|---|---|---|---|---|
| Consumer Use | Consumer Brochure | 11/25/2025 | LI1785 | Click Here |
| Consumer Use | Gift of a Lifetime Consumer Flyer | 07/21/2025 | LI7026 | Click Here |
| Consumer Use | Historical Dividend Results (Case Study) Consumer Brochure | 07/21/2025 | LI1020 | Click Here |
| Consumer Use | Consistently Strong Historical Results Consumer Brochure | 07/21/2025 | LI7097 | Click Here |
| Advisor Use Only | MassExpress Advisor Flyer | 11/20/2025 | U1017 | Click Here |
| Advisor Use Only | Guidelines for Foreign Travel | 11/20/2025 | LI7553 | Click Here |
| Advisor Use Only | Guidelines for Foreign Citizens Living in the U.S. | 11/20/2025 | LI7552 | Click Here |
| Advisor Use Only | Whole Life Portfolio | 12/19/2025 | LI10804e | Click Here |
| Advisor Use Only | Whole Life Historical DIR (Competitive Comparison) | 12/19/2025 | CI1059LI | Click Here |
| Advisor Use Only | Underwriting Sweet Spots | 11/25/2025 | LI6005 | Click Here |
| Advisor Use Only | Platinum Pass Program Guide | 11/20/2025 | LI7210 | Click Here |
| Advisor Use Only | Advisor Guide | 11/25/2025 | LI1789 | Click Here |
Dedicated Team
2026 fmiAgent Point Awards
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