{"id":25427,"date":"2025-05-06T09:52:26","date_gmt":"2025-05-06T13:52:26","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?page_id=25427"},"modified":"2025-05-06T09:52:27","modified_gmt":"2025-05-06T13:52:27","slug":"joint-last-to-die","status":"publish","type":"page","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/joint-last-to-die\/","title":{"rendered":"Joint Last-to-Die Coverage"},"content":{"rendered":"\n<p><\/p>\n\n\n<div class=\"yoast-breadcrumbs\"><span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span> &gt; <span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/life-insurance\/\">Life insurance<\/a><\/span> &gt; <span class=\"breadcrumb_last\" aria-current=\"page\">Joint Last-to-Die Coverage<\/span><\/span><\/div>\n\n\n<p><\/p>\n\n\n\n<h1 class=\"wp-block-heading\" id=\"h-joint-last-to-die-coverage\"><span class=\"partial__border-bottom\">Joint Last-to-Die Coverage<\/span><\/h1>\n\n\n\n<p class=\"mar-t-dbl mob-mar-t-dbl pad-b-dbl mob-pad-b-dbl\">Joint last-to-die coverage pays a death benefit on the last death, which can be used to provide relief for capital gains taxes or other expenses associated with an estate. This coverage can be structured to pay out an early death benefit on the first death, equal to a portion of the policy\u2019s accumulation value, and the policy\u2019s death benefit on the second death.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Joint Last-to-Die Coverage Joint last-to-die coverage pays a death benefit on the last death, which can be used to provide relief for capital gains taxes or other expenses associated with an estate. This coverage can be structured to pay out an early death benefit on the first death, equal to a portion of the policy\u2019s [&hellip;]<\/p>\n","protected":false},"author":203,"featured_media":0,"parent":13770,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"templates\/new-rbci-design.php","meta":{"_acf_changed":false,"footnotes":""},"class_list":["post-25427","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Joint Last-to-Die Coverage | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Joint last-to-die coverage pays a death benefit on the last death, helping with estate expenses like capital gains taxes.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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