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701.356.3256

Second-To-Die Policy

Ensure the Future of Your Estate

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

Our Locations

Superior Insurance Agency - Fargo

1002 28th St S
Fargo, ND 58103
Main office: 701-356-3256

Superior Insurance Agency - Bismarck

2021 E Main Ave
Bismarck, ND 58501
Main office: (701) 354-7100

Our Providers

Testimonials

If you are looking for a business partner - connect with Jorin. He is an individual who truly cares about his clients - whether it is your personal investments, personal insurance or more importantly your business investments and insurance - Jorin is your true trusted business adviser. He will help you and your business reach the next level!"
Tonya Stende
Jorin is what I call "Trusted Advisor." You can call him at home on a Saturday afternoon....and he will not think twice about spending 15 minutes on the phone with you answering questions or discussing a tentative solution to your challenge. At times he calls to simply say hello...grab a cup of coffee...see how the family is doing. Jorin's integrity is top shelf, and I would recommend him to anybody who is in the market for a solid, trusted adviser to meet their home/commercial/life insurance needs."
John-Thomas (JT) Dietrich
Robin is real and genuine and provides great customer service!
Teresa Lewis
After making the switch to Robin, we now know our inusrance agent and our agent knows us.
David Newman
So can I tell you how much I love my insurance agent? Seriously, if you do not have a personal relationship with your insurance agent, please talk to Robin and see how great she is. We were able to save half on our homeowners and car insurance! Who doesn't love to save money? She gives you the time you need to answer all of your questions.
Melissa Schmalenberger