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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. EFGI Insurance & Bonds 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 EFGI Insurance & Bonds 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 EFGI Insurance & Bonds to determine the right amount coverage for you and your family.
 

Our Locations

Main Office

19921 FM 2252
San Antonio, TX 78266
Main office: 210-880-6414
Toll free: 800-357-2279

Personal Lines

820 Main Street, Suite 211
Kerrville, TX 78028
Main office: 830-214-2072
Toll free: 800-357-2279

Our Providers

Testimonials

We want to thank you for taking such good care us. We enjoy working with you and consider you to be a vital partner in our business. You're always there for us when we need you.
Manufacturer Client
We've been with EFGI for years and wouldn't even consider another agency. You guys know us, our business and provide us with excellent products and great service.
Masonry Contractor Client
You guys really care about us and our business. You want us to do well and you help us with so many things other than insurance. Thanks!
Restaurant Client
We love that you fight so hard for us. From pricing, to audits to claims, to whatever. It just doesn't matter. You'll get after anyone to get it done for us.
Oil & Gas Exploration & Production Company Client
We're really busy and our time is valuable. So, we like that a real person always answers the phone and you follow through and do what you say every time. We never have to chase you for anything.
Law Firm Client
More than once you have continued to work for better coverages and lower pricing even after we have accepted a renewal. You have also brought better deals to our attention in the middle of the year. You truly work like our business is your business. Our money is your money.
Oil & Gas Drilling Contractor Client
You flat know your stuff. We trust your expertise, experience and advice.
General Contractor Client