Single Premium Whole Life Insurance - Endowing at age 121

The "Legacy Estate Maximizer - Last Survivor"  Two people insured on a second-to-die single premium whole life policy with guaranteed cash values and guaranteed death benefits on the last survivor's death. A policy insuring two people which could provide a larger death benefit than a separate plan would on the same two lives, assuming premium deposit is the same. It also provides an advantage when one insured would normally be uninsurable.