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916.804.7848

Second-To-Die Policy in El Dorado Hills, CA and Folsom, CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Suburban Family 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 Suburban Family 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 Suburban Family 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

Suburban Family Insurance Agency

889 Embarcadero Drive, Suite 101
El Dorado Hills, CA 95762
Main office: 916-804-7848

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

Katie made insurance so easy. She looked over our policies that we currently had and went above and beyond to get us better coverage for less money. We literally did nothing more than give her a small amount of information and she did all the work. It took really no time or effort on our part. She even organized our policy information into a binder so it would be easy to find and keep in order. She really cares and did such a thorough job. I highly recommend her.
- Kristin Reiser
Katie has been fantastic! She is very thorough and very knowledgeable. Highly recommended!
- Nick Klusty
Katie went above and beyond to make sure that my home and autos were covered as well as they possibly could be. Her follow up and accessibility are unparalleled. You can't go wrong with Suburban Insurance.
- Gabby Merrill McGraw
No pressure just an honest person doing her job to make sure I'm being taken care of. Easy!
- Jenelle Bernstein- Nilluka