209.223.9600

Second-To-Die Policy

Ensure the Future of Your Estate

Between physical assets and financial successes, there are many things that married couples share. HomeRun Financial & Insurance Services 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 HomeRun Financial & Insurance Services gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you have worked hard to attain. And because the policy insures more than one person, you will 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 is important to discuss your options with an insurance specialist from HomeRun Financial & Insurance Services to determine the right amount coverage for you and your family.
 

Main Office

11984 West State Hwy 88,
Suite 2076

Jackson, CA 95642

Main office: 209-223-9600
Fax: 209-223-9698

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

John... Thank you so much for handling my insurance for these many years. You're caring for my personal needs has made the difference and separates you from your competition.
Peggy H.
... Your tenacity in getting this policy issued has meant the difference of keeping all that I have, or loosing it all...
Karen S.
You're staff is outstanding and there is not a time that I come into the office that I don't feel welcomed and comforted in knowing I'm taken care of. Keep it up!
John M.
Customer service, customer service, customer service- outstanding! Thanks.
Ralph M.
Your ability to handle all of my insurance needs makes it so easy to to business with you. It's comforting to know that I have just one call to make to handle any problem or need regarding all of my insurances.
Catharine S.