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Second-To-Die Policy in Roseburg OR & Coos Bay OR

Ensure the Future of Your Estate.

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

Premier Insurance Group

708 SE Mosher Ave
Roseburg, OR 97470
Main office: 541-672-9414
Toll free: 800-559-1914

Our Providers

"Premier Insurance has always gone above and beyond for us. In fact, they feel more like family instead of just an insurance agency".
K Moody, A2Z Window Fashions
"I have had my insurance with Premier Insurance for about 13 years and I have had exemplary service. The few claims I've had were handled with great efficiency and speed. I would recommend them to everyone".
S Philippi
Many, many thanks for all your help and advocacy. My words could never explain my appreciation! Your service means a great deal. Thanks
M Mitchell
I own commercial real estate property in multiple locations, and insurance is difficult to keep track of. I put my trust in Premier Choice Insurance Agency to maintain my policies, so I don't have to. They were able to keep my insurance policies with the same company to keep the paperwork minimal while giving me coverage I didn't know I was living without for less money that I was paying with my previous agent. It was a great deal I couldn't pass up, and I have been shown that it was a wise investment.
Don
It's been great to have Premier Choice Insurance Agency to handle all of our insurance needs - since they range from personal - home, autos, farm, motorcycles, ATV's and umbrella policies - to business (rentals). My husband and I selected PCIA due to the complexity of our insurance requirements and after meeting with them we knew we would have a partner, not just an agent. Service level is superior and anytime I call I am always greeted with a smile on the phone. With all the liabilities in today's world I know that PCIA has my back.
Jamie