Problem -

Cookie-cutter estate planning is not for everyone. Don't settle for the average when you can give your client above-average options. Consider:

Sample Case -

The client and spouse each purchase individual policies with survivor purchase option riders in an amount necessary to provide the necessary estate liquidity at both first and second deaths. Upon the death of the first, the survivor decides whether or not to exercize the option, based on current planning and cash needs. This plan provides needed liquidity and flexibility without locking into a second-to-die policy which may not meet the client's changing objectives.