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Joint and Last Survivor Annuity

What is a Joint and Last Survivor Annuity?

This is an annuity with two paying parties, often a couple. Both policy holders pay into the policy, and both receive payments for the policy’s life. Should one of the two policy holders die, the policy will continue to pay the remainder to the surviving policy holder.

Who Can Benefit from Joint and Last Survivor Annuities?

Married couples or partners who manage their finances together will find that a joint and last survivor product is affordable and avoids the termination of the annuity should one of them die. This is typically a product established among a couple that both work, or otherwise have had a steady income prior to retirement.

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