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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. Access West Insurance Services, 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 Access West Insurance Services, Inc. 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 Access West Insurance Services, Inc. to determine the right amount coverage for you and your family.
 

Our Locations

Murrieta Office

40675 California Oaks Rd Suite A
Murrieta, CA 92562
Main office: 951-696-4466
Toll free: 888-905-1325
Fax: 951-600-1649

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: By Appointment

San Diego Office

1991 Village Parkway #100
Encinitas, CA 92024
Main office: 760-610-8978

Office Hours:

Mon: By Appointment
Tues: By Appointment
Wed: By Appointment
Thurs: By Appointment
Fri: By Appointment
Sat: By Appointment
Sun: By Appointment

Our Providers

Testimonials

Outstanding Service! Nancy and the Folks at Access West go above and beyond to meet your needs and make you feel welcome and important. No question too small and no situation is too big for them to handle with efficiency and ease.
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Great service! I call once and it's taken care of. I do not have to waste any time with my insurance needs. Every year they look for the best deal to save me money. To put it simple, they look after me not the insurance company.
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My agent was so knowledgeable, he reviewed our car insurance and found that we were spending $200 more than we should have. He saved us $200 a year on our policy. I just thought that was wonderful. He went out of his way to make sure that we were getting the best amount of insurance for the price. It's a good feeling to know that someone is really looking out for you.
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Wonderful staff! I love the Access West staff, they are the best. They call me every year on my renewal. Always the best rates!
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Erica, thanks a lot for all your help. You are excellent. I have made annual payments for both my policies using Allied mobile application.
- Mr. Vora
I was very pleased with how effortlessly I was able to go from opening the claim to receiving a check . Safeco personnel were professional . I didn't have to spend hours trying to get to the right person and the process moved along very easily and efficiently.
- Maria Lopez
They always go above and beyond with my health coverage. I have had a lot of issues with the new Obama Care Covered California finding a doctor for my plan and they have always been able to help me through each hurdle. Thank you Access West
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I love Access West staff they are the best. they call me every year on my renewal. always the best rates!
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