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Second-To-Die Policy in Roseville CA & Sacramento CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Foothill Valley Insurance Agency 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 Foothill Valley Insurance Agency 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 Foothill Valley Insurance Agency to determine the right amount coverage for you and your family.

*Federal income tax laws are complex and subject to change. Neither Nationwide nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions. 

Our Location

Foothill Valley Insurance Agency

13 Sierra Gate Plaza Bldg. A
Roseville, CA 95678
Main office: 916-773-4560
Fax: 916-773-4583

Our Providers

Testimonials

Been doing business with Foothill Valley Insurance for quite some time both for our personal coverage and business. They are fantastic and know there stuff. They have the ability to write policies with every insurance company you can think of. Nancy is our go to person for our personal needs and she is a go-getter. She will look at every way possible to save you money, without compromising your coverage. She stays on top of things and follows through. Thank you Foothill Valley, Nancy and everyone else that helps make our lives easy and lets us not worry about things we have no control over. Highly recommend this company

C M
Best customer service, value, and people at Foothill Valley Insurance!

Colin Itzko (Itzko Glass & Metal, Inc.)