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Second-To-Die Policy in Burlingame CA & San Francisco CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Town & Country Insurance 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 Town & Country Insurance Services, 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 Town & Country Insurance Services, Inc 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

Headquarters

1870 El Camino Real, Suite 208
Burlingame, CA 94010
Main office: 650-231-4015
Toll free: 800-606-4418

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Frank F. of San Francisco
I have known Rob for many years, he is a person of high integrity and truly cares about people he associates with. I highly recommend him, it’s truly hard to find trustworthy people like Rob.
Joe Totah of Foster City, CA
Town and Country Insurance the place to go for fast knowledgeable accurate answers for all your Insurance needs. Rob O'Neill has the experience you need.
Nancy of Mountain View, CA
Rob O’Neil has been my insurance broker for over 35 years and I have found him to always have my interest first when placing my coverage. I have one property that is difficult to insure due to its location but Rob has always found a way. In the very few instances I have had a claim Rob has been a true advocate for me. I highly recommend Rob as an insurance broker.
Rita S