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August 13, 2024

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Joint vs. Survivorship Life Insurance: Key Differences Explained

October 28, 2024

Explore the pros and cons of Joint vs. Survivorship Life Insurance. Find out which type suits your future planning needs best. Joint Life vs. Survivorship Life Insurance: Which is Right for You? When planning, life insurance is an important consideration. Two common types of life insurance policies are Joint Life and Survivorship Life. Understanding the key differences between these two can help you make an informed decision that best suits your needs. Joint Life Insurance • Coverage: This policy covers two individuals simultaneously. • Payout: A lump sum death benefit is paid upon the death of the first insured person. • Common Use Cases: o Estate planning to cover estate taxes o Business partnerships to buy out a deceased partner's share Survivorship Life Insurance • Coverage: This policy covers two individuals, but the death benefit is paid only upon the death of the last surviving insured person. • Common Use Cases: o Estate planning to cover estate taxes for both spouses o Lo...

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Ignacia Heyer: Ignacia J Heyer is a single mother and entrepreneur who is driven by her passion for helping others and achieving her goals. She was born in Santo Domingo, DR, and relocated to Puerto Rico in 1980. She immigrated to the United State, attending Northern Essex Community College, where she studied Electronic Technology and English. While in college, Ignacia had to work 12 hour shifts . When she became pregnant with her daughter, she put her career and education on hold. She eventually went back to school earning an Associate of Arts in 2013 from University of Phoenix. That same year, Ignacia became a foster parent . All her life, she has been hounded by assumptions and gossip, but she has always ignored this negativity, focusing on her job, her role as a foster parent, and her daughter. Ignacia identifies with her favor poem “Barbie Doll” by Marge Piercy. This poem was published in 1971, it brakes her heart to see that 41 years later women are still victim of the unrealistic beauty expectations. Society wants to change women for them to be accepted. Currently, Ignacia is trying to establish an internet business and moved to Gloucester, MA in 2018

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