What carriers offer a joint FIRST to die contract?

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I have an adviser that is asking if any carriers provide a joint FIRST to die life insurance contract. My firm represents multiple carriers but none offer such a product. Can you provide a list of carriers that do?”

Asked October 3, 2017

1 Answer


A joint first-to-die contract is a type of life insurance policy that covers two people and pays out a death benefit when the first person in the policy dies. This is a popular option for couples who want to provide financial protection for their partner in case one of them passes away. Many insurance carriers offer joint first-to-die policies, including:

  • Prudential: Prudential offers joint first-to-die policies that provide coverage for two people under one policy. The death benefit is paid out when the first person dies, and the surviving spouse can continue coverage on their own.
  • Nationwide: Nationwide offers joint first-to-die policies that provide coverage for two people. The policy pays out a death benefit when the first person dies, and the surviving spouse can continue coverage on their own.
  • Pacific Life: Pacific Life offers joint first-to-die policies that provide coverage for two people. The policy pays out a death benefit when the first person dies, and the surviving spouse can continue coverage on their own.
  • MassMutual: MassMutual offers joint first-to-die policies that provide coverage for two people. The policy pays out a death benefit when the first person dies, and the surviving spouse can continue coverage on their own.
  • John Hancock: John Hancock offers joint first-to-die policies that provide coverage for two people. The policy pays out a death benefit when the first person dies, and the surviving spouse can continue coverage on their own.
It's important to compare different policies from different carriers to find the best coverage for your needs. Be sure to carefully review the policy details, including the death benefit amount, premiums, and any exclusions or limitations.

Answered October 5, 2017 by bluemarlin08

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