Second-To-Die Policy in Troy OH & Piqua OH
Ensure the Future of Your Estate.
Between physical assets and financial successes, there are many things that married couples share. Koverman Staley Dickerson 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 Koverman Staley Dickerson 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 Koverman Staley Dickerson 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 Locations

Troy Office (Main Location)
1106 W. Main St.Troy, OH 45373
Fax: 937-339-3916

Piqua Office (Main Location)
500 N. Wayne St.Piqua, OH 45356
Fax: 937-773-1738

Covington Office
16 E. Wright St.Covington, OH 45318
Fax: 937-473-0331

New Carlisle Office
128 N. Main St.New Carlisle, OH 45344
Fax: 937-845-3598
Tipp City Office
127 E MainTipp City, OH 45371
Testimonials
Vic Haddad - Trojan Auto Care
Mark Miller - Milcon Concrete
Carla and Gary Wilber - Wilber Fire