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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. Centerpointe Insurance Services, Ltd. 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 Centerpointe Insurance Services, Ltd. 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 Centerpointe Insurance Services, Ltd. to determine the right amount coverage for you and your family.
 

Our Location

Centerpointe Insurance Services

807-B Camarillo Springs Road
Camarillo, CA 93012
Main office: 805-322-8339
Toll free: 800-451-8766

Our Providers

Testimonials

Centerpointe has been my insurance provider for 7 years. Marie is always there to help and very professional. I have zero complaints and think they are great!
21st Century Towing, Clark Tenney
I've been with Centerpointe for 20 years. Biggest thing I like about Centerpointe is I always get a call back. Bob, Jim and Marie are always available when I need them. Great customer service!
Swinks Towing, Coleen McIntyre
Centerpointe is a wonderful place. Bob, Marie and Dylan are very helpful when I call. I could not ask for better service and that is why we have renewed with them for the last 10 years.
Metropro Road Services, Inc., Jean Noutary
Centerpointe has great customer service and makes me very happy. They are always there for me.
Midwest Transport Specialists, Inc., Tina Stark