Skip to content
Ideal Insurance Agency Inc
  • Home
    • Instant Quotes
    • Join our Team
    • Management Team
    • Privacy Policy
    • Site Layout
    • Site Map
    • Terms and Conditions
    • Welcome to our site
  • About Us
    • About Our Agency
      • Administration
      • Affiliates
      • Company Profile
      • Choose Choice
      • Commercials
      • Location
      • Market Footprint
      • Offices
      • Providers
    • Career Opportunities
      • Partnership
    • FAQs
      • Archives
      • Disclosure Policy
      • Highlights
      • Links
      • New Business
    • Join our Team
    • Members
    • Territories
    • Why buy from us
      • Declare Your Independence
      • Independence
      • Performance
      • Philosophies
      • Proven Results
      • Proven Track Record
      • Trusted Choice
      • Why Choose an Independent Agent?
  • Services
    • Additional Insurance Services
      • Account Review
      • Acquisitions
      • Catastrophe
      • Cleanup and Restoration Companies
      • Healthcare Services
      • Human Resources Services
      • Leave Management
      • Loss Control & Safety Programs
      • Mergers and Acquisitions
      • Services List
      • Wellness Programs
    • Coverage Analysis
      • Combine and Save
      • Cost Comparison
      • Coverage Change
      • Risk Management
      • Risk Services
      • Value Added Services
    • Education Center
      • Affinity Programs
      • Calculators
      • Helpful Links
      • Insurance Glossary
      • Learning Center
      • Plan Development & Design
      • Portfolio
      • Resources
      • Video Library
    • Financial Services
      • Solutions
    • Quotes and Online Rates
      • Programs
      • Sales Culture
      • Special Programs
      • Workplace Solutions
      • Your Success
    • Manage your policy
      • Certificates of Insurance
      • Client Service
      • Forms
      • Home Office
      • Hours of Operation
      • Pay your bill Online
      • Tailor Solution
  • Testimonials
  • Insurance Programs
    • Personal Lines
    • Benefits
    • Life Insurance
    • Commercial Insurance
    • Industry Solutions
      • A-E
      • F-J
      • K-O
      • P-T
      • U-Z
    • Questionnaires
  • Contact Us
  • News

Second-To-Die Policy

Second-To-Die Policy
Ensure the Future of Your Estate
Between physical assets and financial successes, there are many things that married couples share. Ideal 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 Ideal Insurance Agency 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 Ideal Insurance Agency to determine the right amount coverage for you and your family.

A businessman pointing at the word life insurance.

Contact Us

Main office: 952-314-1460
Toll free: 855-479-0047
Fax: 952-314-1460

  • Get Directions
  • View Our Location

Office Hours:
Mon: 8:30 AM – 5:00 PM
Tues: 8:30 AM – 5:00 PM
Wed: 8:30 AM – 5:00 PM
Thurs:8:30 AM – 5:00 PM
Fri: 8:30 AM – 5:00 PM
Sat: By Appointment
Sun: Closed

Get a proposal today

Quote Today

Insurance Programs Availability

AL AK AZ AR CA CO CT DE FL GA HI ID IL IN IA KS KY LA ME MD MA MI MN MS MO MT NE NV NH NJ NM NY NC ND OH OK OR PA RI SC SD TN TX UT VT VA WA WV WI WY DC

Program Access

  • Green - Full
  • Yellow - Limited
  • Grey - No Access
Copyright © 2025 Ideal Insurance Agency Inc | Credits