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Second-To-Die Policy

Ensure the Future of Your Estate

Between physical assets and financial successes, there are many things that married couples share. Insurance & Mortgage Services, Inc knows that couples today can easily accumulate wealth in the millions, which means hefty estate taxes in the event of either spouse’s passing. A Second-to-Die policy, also known as Survivorship Insurance, is a type of joint insurance that covers the lives of two people, usually married couples, where the death benefit is not paid until the death of the second insured person.

Under federal tax law, you are permitted to leave an unlimited amount of personal assets to the surviving spouse, allowing you to postpone estate taxes until the death of the second spouse. While this lets you keep personal assets, such as home or business, within the family, it also means that your beneficiaries may be faced with paying a large estate tax after your passing.

A Second-to-Die policy from Insurance & Mortgage Services, Inc gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you have worked hard to attain. And because the policy insures more than one person, you will also enjoy a lower premium, and the total cost of the insurance will be cheaper than the estate taxes your beneficiaries will be liable to pay.

Due to the specialized nature of Second-to-Die insurance, some limitations may apply. It is important to discuss your options with an insurance specialist from Insurance & Mortgage Services, Inc to determine the right amount coverage for you and your family.
 

Our Location

Insurance & Mortgage Services, Inc

1403 Broadway Avenue
Sheboygan, WI 53081
Main office: 920-287-0386
Toll free: 888-850-9007
Fax: 920-803-2576

Our Providers

Testimonials

I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Phil D.