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Second-To-Die Policy

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Raleigh Insurance Agency, Inc. 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 Raleigh Insurance Agency, Inc. 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 a specialist at Raleigh Insurance Agency, Inc. to determine the right coverage amount for you and your family.

Our Locations

Raleigh Insurance - Little River

340 Main St.
Little River, KS 67457
Main office: 620-897-5222
Toll free: 877-874-1005
Fax: 620-509-2113

Raleigh Insurance - Inman

201 S. Main
Inman, KS 67546
Main office: 620-585-6800
Toll free: 877-874-1005
Fax: 620-585-6800

Raleigh Insurance - Lyons

101 E. Main Street
Lyons, KS 67554
Main office: 620-509-0606
Toll free: 877-874-1005
Fax: 620-509-2113

Raleigh Insurance - Manhattan

121 N. 8th St.
Manhattan, KS 66502
Main office: 785-477-9098
Toll free: 877-874-1005
Fax: 620-509-2113

Our Providers

Testimonials

After going through two insurance providers over the last year and a half, I decided to give Raleigh Insurance a try. Since switching, I have received nothing but top-notch client care from the folks at Raleigh. The agents provide the benefits and knowledge of a big-time company, while also providing friendly and warm customer service. I would recommend Raleigh Insurance to anyone and everyone.

JJP1
Raleigh Insurance, is a great local company always looking to help out their clients and communities they reside in. They do what they have to to get the job done, staying up late to get a claim submitted or whatever it might be Raleigh Insurance is the place to be.

Bill