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Second-To-Die Policy in Cedar Park TX & Austin TX

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’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 Dowd Insurance Agency 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

Dowd Insurance Agency

1841 S Lakeline Blvd. Ste 101-302
Cedar Park, TX 78613
Main office: 512-400-3118

Our Providers

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
I love working with Dowd Insurance! Sam and the team take such great care of me and my business. Whenever I need help, I know that they are just a phone call away! My husband and I have a family owned business in Austin too, so we know how much it means to work with people we know, like and TRUST. If you have a small business, you should definitely give them a shout! You will be thrilled with the level of knowledge and care that they provide their clients.
Courtney Emken
As the owner of COMPLETE weddings + events, a special event entertainment provider at over 650 events annually in Central Texas, I was interested in building a relationship with a seasoned professional for our business insurance needs. Dowd Insurance has become an valued partner as our business continues to grow and transform. As a professional in the service industry, we have high expectations for excellent customer service. We are thankful for their quick response and knowledge at every step. As a full service Insurance agency, I transferred our personal insurance coverage to Dowd as well. We look forward to a long relationship and rest well knowing we have a great team at Dowd to support us along the way!
COMPLETE weddings & events Austin
Sam has helped me out but he has also helped out several of my clients too. Really great communication and clever solutions.
Lynch Service Company
Buying insurance can be a hassle. Except with Dowd insurance. They are professional, client-focused, and provide quality service. They make the process quick and painless which makes it easy to recommend them.
Derek Baca
Dowd Insurance Agency has taken excellent care of both our auto and home insurance needs for years. With four autos to cover, including two young adult drivers, Tom and his staff have been quick to help us find the best coverage at the very best rates available!
Stephanie Grelle
Had a great experience with Dowd Insurance. The high quality customer service was unlike any I've encountered while looking for insurance previously. I appreciated their responsiveness and help with all of my questions. I will definitely be going back for any other insurance needs I have.
Gabriel Sepulveda