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Second-To-Die Policy in Falcon CO & Peyton CO

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. HC Insurance Group 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 HC Insurance Group 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 HC Insurance Group 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

HC Insurance Group

HC Insurance Group

4291 Austin Bluffs Pkwy Ste 204
Colorado Springs, CO 80918
Main office: 719-399-5418

Our Providers

Testimonials

Keri is knowledgeable and friendly. She is someone you can trust with your business insurance and get you an amazing deal!!
Ashley Baldwin
Keri is amazing! She saved us $100's of dollars a month on our insurance, and she can help you too. Contact her, and see what she can do for you!
Kendra Jones
Keri is excellent. We have had no so great experiences with other agents and Keri has always been there for us and resolved all of our issues quickly and effectively! Not only is she great to work with, but she saved us over $1000 on our commercial auto insurance!
Christy Carter
Five stars
Brian Curlin