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Second-To-Die Policy in Washington PA & Canonsburg PA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. B & W 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 B & W 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 B & W 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

B & W Insurance

1340 Washington Road
Washington, PA 15301
Main office: 724-216-0455
Fax: 724-222-4857

Our Providers

Testimonials

Thank you for meeting all of my insurance needs over the past two years. Your agency is a wonderful insurance provider.
Ann M.
Thanks Dave sooo much for all your help with this. I greatly appreciate it and all your company does and that is why I continue to do business with you!!! Have a great day!
Clark
Thank you for being so helpful as often as you are.
Jamie & Eric C
Thank you so much for this information and for the very informative meeting with my mom and I. We truly felt much better about this insurance situation after we left your office!
Lexie
Thank you so much for your time and effort. I really appreciate your help.
M. Joyce
Thanks Dave! I never thought getting a new insurance policy would be so hassle-free.
Paula S.
Thank you so much. You are truly the BEST!
Paula T.
I want to take this opportunity to let you know what a great company they are. I suppose you can never really know the quality of the company until you have to use the services...unfortunately, I have had to use the services rather extensively over the last 6 months. The services across the board was excellent, including premium adjustments. You should recommend this company at every opportunity you have.
Roanna S.
Thanks Dave sooo much for all your help with this. I greatly appreciate it and all your company does and that is why I continue to do business with you!!! Have a great day!
Stacey C.
Wow! Now, how is that for service!
Teresa R.
Just wanted to thank you again for your help and prompt service! It is refreshing to know there are still real people out there to work with as opposed to recorded messages and on-line applications. You made what was becoming a very frustrating process quick and easy! I will certainly remember your office for any future insurance needs.
Wendy K.