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Second-To-Die Policy in Raleigh and Cary, NC

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Vic Fisher 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 Vic Fisher 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 Vic Fisher 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. 

Our Location

Vic Fisher Insurance

2703 Jones Franklin Road, Suite 103
Cary, NC 27518
Main office: 919-851-4448

Our Providers

The Vic Fisher Agency has taken care of my family for over 25 years, whether my home or cars. I have always known I could trust them. - Steve T., Raleigh
Steve T. – Raleigh
When I moved to Raleigh, I needed an agent that could handle all of my insurance needs. Daniel at Vic Fisher was able to set up my home, cars, and business insurance to make sure I was well covered. - Eric H., Raleigh
Eric H. – Raleigh
I needed Life Insurance for my family, and was able to get what I needed at the right price. - Jorge, Cary
Jorge – Cary
Health Insurance is a huge deal for my family. So is the costs. I was able to purchase a BCBSNC family plan from Vic Fisher Insurance for considerably less than the current plan we had. The service was great as well. - Scott K., Durham
Scott K. – Durham
My business involves real estate, and I don't have the time to try and figure everything out. The Vic Fisher Agency has helped manage my insurance and help me make informed decisions as my business grows. They seem to have my best interest in mind. -Chris C., Raleigh
Chris C. – Raleigh
I am concerned over what to do with my IRA in my retirement years. They showed me the annuity options as a real answers to my dilemna. I was shown I could still make money without risk, and provide a death benefit for my wife. - Charles C., Cary
Charles C.- Cary