Joint Whole Life First to Die

what's the benefit of first to die whole life vs just getting 2 individual life policies?

I believe that you pay a fair bit less for one of these policies than you do for two separate policies. If the idea is to make sure there is enough money for the surviving spouse, and not to pass on money to heirs, then these make sense.
 
I'd use it for retirement income continuation purposes.

Married couple, but primary bread earner has single life payouts on annuities and pensions.

Buy this product and if he should go first, she will have assurity for her ongoing retirement income (pardon the pun). It would also be an inexpensive way to replace her SS retirement income if she should go first.

Just my thoughts.
 
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