512-400-3118
Client Center

Second-To-Die Policy

Ensure the Future of Your Estate

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

Dowd Insurance Agency

1841 S Lakeline Blvd. Ste 101-302

Cedar Park, TX 78613

Main office: 512-400-3118
Fax: 512-506-8115

Office Hours:

Mon: 9:00 AM - 5:00 PM
Tues: 9:00 AM - 5:00 PM
Wed: 9:00 AM - 5:00 PM
Thurs: 9:00 AM - 5:00 PM
Fri: 9:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers

Testimonials

I have used Dowd Insurance now for a number of years & have never been disappointed with the value or the quality of products or services offered. The entire team is always professional, very responsive, & extremely trustworthy! They are also very proactive in reaching out to recommend any changes in coverage along with ways to save money. You can take heart in the fact that Dowd Insurance isn’t just trying to sell you something, they legitimately care about their clients & their well-being.
Brian Hodges
Dowd Insurance has been my insurance provider for several years and have always thought I had the best agency. I periodically check with other providers and Dowd Insurance has always equaled or topped competitors in their rates. I am a real estate agent and when I have a client needing an agent I refer them to Dowd Insurance.
Denny Dunlap
I began working with Tom Dowd in 2006. I was very impressed early on because Tom took the time to really understand my business before recommending coverage that was tailored to our needs. I had no idea how little service our past provider was giving us. We do a complete review each year, and as my business evolves I trust Dowd Insurance to ensure we have the coverages my business needs to manage our risks appropriately. I feel like Dowd Insurance is part of the family. The team at Dowd Insurance are always responsive and professional. I am happy to say Integra is a life long customer.
Ron Skaggs, CEO, Integra Technologies