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Home > Products > Life-Insurance > Second-to-Die Policy - Knoxville TN & Madisonville TN - Mike Dyer Insurance Agency

Second-To-Die Policy in Knoxville, TN and Madisonville, TN

ENSURE THE FUTURE OF YOUR ESTATE

Between physical assets and financial successes, there are many things that married couples share. Mike Dyer Insurance Agency knows that couples today can accumulate wealth and assets that can mean 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 Mike Dyer 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 may also enjoy a lower premium, and the total cost of the insurance may 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 Mike Dyer 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.

NFW-7753AO (02/18)

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Contact Us

11020 Kingston Pike, Ste 320
Knoxville, TN 37934

Phone: (865) 966-2111 | info@mikedyerinsuranceagency.com

1158 Market Street
Dayton, TN 37321

Phone: (423) 775-3011

144 Warren Street
Madisonville, TN 37354

Phone: (423) 442-2111

508 N Kenutcky Street
Kingston, TN 37763

Phone: (865) 376-4507

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