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801.29.CLEAR
(801.292.5327)

Second-To-Die Policy

Ensure the Future of Your Estate

Between physical assets and financial successes, there are many things that married couples share. CLEAR Insurance Solutions 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 CLEAR Insurance Solutions 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 CLEAR Insurance Solutions to determine the right amount coverage for you and your family.
 

Our Locations

CLEAR Insurance Solutions

110 North Main #100
Bountiful, UT 84010
Main office: 801-29-CLEAR

CLEAR Insurance Solutions of Greater Atlanta, LLC

1230 Peachtree St NE Ste 1900
Atlanta, GA 30309
Main office:
Toll free: 800-333-6171

Our Providers

I have been a long time client but never had any claims until recently. I was amazed at how efficiently it was handled. I guess it's true what they say, you never know how good your insurance is until you have a claim. I would highly recommend ATP Insurance.
Doug
I have had my insurance with ATP since I got my license. I have always been treated professionally and feel I am getting good insurance that still fits in my budget.
Amelia