Survivorship Indexed Life

Dual Coverage with Market-Linked Growth.

Comprehensive Coverage for Two, with Growth Potential

Survivorship Indexed Life Insurance covers two individuals under one policy, paying out after the second passing. It combines lifelong protection with market-linked cash value growth—making it a powerful tool for legacy planning, estate protection, and long-term wealth transfer.

A smart solution for couples and estate planning with market-linked benefits.

Survivorship Indexed Life Insurance (also known as second-to-die insurance) is designed to cover two lives—typically spouses or business partners—under a single policy. The death benefit is paid out only after the passing of the second insured individual, making it an ideal choice for legacy preservation, estate planning, and ensuring that your loved ones or beneficiaries are taken care of financially.

What sets this policy apart is its cash value component tied to the performance of a market index, such as the S&P 500. This feature allows your policy’s cash value to grow with potential market gains, while offering protection from downside losses since it’s not directly invested in the stock market.

Key advantages include:

Cost-effective coverage for two individuals under one policy, often with lower premiums than two separate policies
Tax-advantaged cash value growth linked to market indexes with built-in downside protection
A strategic tool for estate taxes and wealth transfer, helping preserve assets for heirs
Flexible access to accumulated cash value through policy loans or withdrawals during your lifetime

At Bora Financial Services, we guide you through the benefits and structure of Survivorship Indexed Life Insurance to create a tailored solution that supports your financial and legacy goals.

Frequently Asked Questions

What is a Survivorship Life Policy?

It insures two people (usually spouses) and pays the death benefit after both have passed.

What is it typically used for?

Commonly used for estate planning, legacy building, and minimizing estate taxes.

Is it more affordable than two separate policies?

Yes, premiums are generally lower than buying two individual policies.

Meet Evelyn Opany

CEO and Founder of Bora Financial Services

Insurance Policies Specialist

These days, it’s especially important to have a trusted professional guiding your choices. With 10 years’ experience, I’ll personally evaluate your situation and needs. Together, we’ll help protect your family’s wealth, lifestyle, and future.

Peace of Mind for Every Chapter of Life.
Your living benefits – life insurance that you access the death benefit before death, gives you strength through life’s toughest turns.