831-291-5455

Second-To-Die Policy in Salinas and Monterey, CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. ISU-Pulford Insurance 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 ISU-Pulford Insurance 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 ISU-Pulford Insurance 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. 

ISU-Pulford Insurance Agency

65-B San Miguel Avenue

P.O. Box 1730 Salinas, CA 93901

Main office: 831-291-5455
Toll free: 800-606-6111
Fax: 831-758-3269

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Our company has benefited greatly from our relationship with Cecilia. She takes care in providing the exact fit of insurance you may need. What I’ve appreciated most is her attention to detail, quick response to any request, and a proactive stance on keeping me up to date on the best ways to cover our company with the best policies.
Selena
I'm so glad I called ISU-Pulford- they really solved my insurance problem and got my family and me back on tack.
Mary M.
ISU-Pulford really helped me and my family out. I refer all of my friends and neighbors to them.
Mike C.
I was in a pinch and the staff at ISU-Pulford was a life-saver. Being able to call and speak with a real, live, licensed agent calmed my nerves. Thank you Debbie!
Rachael W.
Calling ISU-Pulford Insurance gave me peace of mind. I feel comfortable knowing my agent has found me the best insurance coverage and rate available.
Robert T.
I'm so happy I called ISU-Pulford Insurance. They got all my insurance needs covered and were so personable.
Denise K.