Second-To-Die Life Insurance: Secure the Future of Your Estate

At Suburban Family Insurance Agency, we understand that married couples often share a lifetime of financial success and valuable assets. A Second-To-Die Policy, also known as Survivorship Insurance, is designed to protect your estate by ensuring your beneficiaries are financially prepared to cover estate taxes without liquidating family assets.

How Does a Second-To-Die Policy Work?

This joint insurance policy covers two people, typically a married couple, and the death benefit is paid out after the death of the second insured person. Under federal tax law*, you can leave your entire estate to the surviving spouse, postponing estate taxes until their passing. However, this may result in significant estate taxes for your beneficiaries.

Benefits of a Second-To-Die Policy

• Estate Tax Coverage: Helps your beneficiaries cover estate taxes without selling off family assets like a home or business.
• Lower Premiums: Since this policy covers two people, premiums are typically lower than individual policies.
• Preserve Your Legacy: Ensure that your hard-earned assets stay in the family for future generations.

Tailored Coverage for Your Family’s Needs

Given the specialized nature of Second-To-Die Insurance, it’s important to work with an experienced insurance professional. At Suburban Family Insurance Agency, we’ll help you determine the right amount of coverage to protect your estate and legacy.

Contact us today to discuss Survivorship Insurance and how it can benefit your family in El Dorado Hills, Folsom, and the surrounding areas.

*Please consult your attorney or tax advisor for specific legal or tax advice.