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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. INDEMNUS Insurance 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 INDEMNUS Insurance 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 INDEMNUS Insurance to determine the right amount coverage for you and your family.
 

Our Location

INDEMNUS Insurance

75 NE Venture Dr, Suite N
Waukee, IA 50263
Main office: 515-274-1111
Toll free: 877-463-3668
Fax: 515-274-1181

Our Providers

Testimonials

Just always there with answers to any questions that I have or any help needed. Never have had a complaint.

Pamela W.
I can't be specific, really. It's just that you all have provided excellent support and service for the last four years, and I see no reason to expect it to change.

Dana W.
The ease of adding or deleting policies and and customer service.

Roman H.
My recent claim was handled in a very timely and professional manner which was very much appreciated.

Edward R.
Indemnus has taken very good care of me and my policies through them... Will gladly recommend to my friends.

Todd N.