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Second-To-Die Policy in Sparta MI & Rockford MI

Ensure the Future of Your Estate.

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

Quality Choice Insurance Agency

355 Martindale Street
Sparta, MI 49345
Main office: 616-200-6955

Our Providers

Testimonials

When my husband died, leaving me a widow at age 33 with three children, the life insurance we had with Jack allowed us to keep our house and maintain our family lifestyle. Without the life insurance, we would have lost everything. You can trust Jack to help you with your insurance needs. Jack is there to help you get the policy started, and he is also there when you need to collect the benefits - from beginning to end.
Starlynn C., Muskegon, MI
Jack is very friendly and kind. He also has a great sense of humor. Jack also has a great faith in God and is not afraid to share it or to show it by helping others.
Kim G., Jenison, MI
I have been lucky or Blessed in my life to know Jack and his kind wife Dawn for a number of years. These are 2 people you can trust. In this crazy insurance world finding good honest people that care about you as a person not a number is better then finding gold.
Bruce B.