Call Us Now

Second-To-Die Policy

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Big Valley Insurance Agency, 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 Big Valley Insurance Agency, Inc. gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you’ve worked hard to attain. And because the policy insures more than one person, you’ll 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’s important to discuss your options with an insurance specialist from Big Valley Insurance Agency, Inc. to determine the right amount coverage for you and your family.
 

Our Locations

Big Valley Insurance Agency, Inc. Tracy Office

1550 Tracy Blvd.
Tracy, CA 95376
Main office: 209-835-5253

Big Valley Insurance Agency, Inc. Lodi Office

310 S Crescent, Suite A
Lodi, CA 95240
Main office: 209-365-9600

Our Providers

Testimonials

There is always a very quick response to my concerns. We've done home equity loans and have to execute address changes; they always take care of things in short order.
Robert Sterning
I absolutely love the services they have provided for me. They do a yearly check that ultimately saves me money. They continuously make suggestions and seek improvement. I love the hands on service.
Matt Wisniewski
I have been using Big Valley Insurance for over 5 years now. They have the overall lowest prices combined with the best service. I love just being able to pick up the phone and talk to an actual person who actually cares. These guys are simply the best!
Tara George
They are very good at what they do. Very honest and hard working!
Ken Dryer