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Second-To-Die Policy in Ames and Iowa Falls, IA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Gateway Insurance Services 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 Gateway Insurance Services 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 a specialist at Gateway Insurance Services to determine the right coverage amount for you and your family.

Gateway Insurance Services - Ames Office

1416 Buckeye Avenue

P.O. Box 1910 Ames, IA 50010

Main office: 515-232-6001
Fax: 515-232-6236

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Gateway Insurance Services - Iowa Falls Office

404 Rocksylvania

P.O. Box 1910 Iowa Falls, IA 50126

Main office: 641-648-4275
Toll free: 800-728-8215
Fax: 515-232-6236

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

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Thanks for all your help over these past several years. We always appreciated your professionalism and timeliness in solving our problems or answering our questions. You have been a great agent to us!
Steven W. Hogberg