Ensure the Future of Your Estate.
Between physical assets and financial successes, there are many things that married couples share. Edgewater 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 Edgewater 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 Edgewater Insurance to determine the right amount coverage for you and your family. *Federal income tax laws are complex and subject to change. Edgewater Insurance nor its representatives give legal or tax advice. Please consult your attorney or tax advisor for answers to specific questions.
Frequently asked questions
What does second-to-die policy from Edgewater cover?
Between physical assets and financial successes, there are many things that married couples share. Edgewater 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.
How do I get a second-to-die policy quote in Nebraska or Kansas?
Request a quote online and choose the Edgewater office closest to you, or call any of our 15 offices. An independent agent compares options from multiple carriers and confirms the details with you before anything is bound.
Which Edgewater office handles second-to-die policy?
Every Edgewater office can write second-to-die policy. Pick the one nearest you, from Omaha and Blair in the east to Benkelman and Ogallala in the west, plus Grainfield and WaKeeney in Kansas, and an agent there will take it from the first call to the policy.
Coverage descriptions are general. Your policy's terms, conditions and exclusions control; an Edgewater agent will walk you through them before you buy.