Which one of the following statements regarding second$-$to$-$die policies is NOT correct?

A$)$

They are generally advantageous when one of the two insureds is older and highly rated due to health issues.

B$)$

They are generally not useful as estate planning tools.

C$)$

Premiums are generally lower than the cost for two separate policies.

D$)$

The policy pays when the last person dies.