Call Us Today:
800.366.2922

Second-To-Die Policy in Holton KS & Topeka KS

Ensure the Future of Your Estate.

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

Kellerman Insurance

101 W 4th Street
Holton, KS 66436
Main office: 785-376-0103
Toll free: 800-366-2922
Fax: 785-364-3225

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: By Appointment
Sun: By Appointment

Our Providers

Testimonials

Kellerman Insurance has superb personalized service! I can call anytime and speak to a real live person who is friendly and helpful. Kellermans price search to make sure you get the insurance coverage you need without unnecessary added coverage.
- Carolyn McKee
Kellerman Insurance has been my insurance go to for years and they have always gone above and beyond to find the best insurance for me and to treat me as their number one . Always a friendly voice answering my calls and when they don't have an answer for me right away they find it and let me know that same day.
- Laney Hilty