CLA USA Products

Life Insurance

Survivorship Universal Life

Survivorship Universal Life (SUL) or “second-to-die” is a flexible premium universal life insurance policy that insures two people. The death benefit is payable upon the second death of the two insured individuals.

SUL policies offer longer-term family life insurance protection. Upon the payout, SUL allows for heirs to meet estate tax and other obligations so long as they are properly structured. It also helps business owners with many different business planning uses.