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Second-To-Die Policy in Boca Raton FL & Delray Beach FL

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Keystone Insurance Group, 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 Keystone Insurance Group, 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 an insurance specialist from Keystone Insurance Group, Inc. 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

Keystone Insurance Group, Inc.

21301 Powerline Road, Ste. 312
Boca Raton, FL 33433
Main office: 561-571-8379
Toll free: 800-224-5504

Our Providers

Testimonials

I am very happy with the service that I received from Chris. He was very professional, knowledgeable and available to answer all of my questions and concerns. I would recommend this agency to anyone.
Danielle Gilles
Working with Clay was super easy. He was able to secure an awesome rate for our family. Answered any and all questions in a timely manner!!!
Ashley Kaunfer
Great people! Always ready to help. I would recommend Keystone Insurance Group to anyone. They offer very good rate and great customer service. Thank you!
Daniela Chea
Great company. Great staff. Very professional and diligent. So happy I found them!
Luke Sherlock