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Second-To-Die Policy in Ontario CA & Los Angeles CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Cumbre Insurance Services, LLC 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 Cumbre Insurance Services, LLC 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 Cumbre Insurance Services, LLC 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

Main Office - Ontario, CA

3333 Concours, Suite 5100
Ontario, CA 91764
Main office: 909-454-2456
Toll free: 800-998-7986
Fax: 909-484-2491

La Quinta Office

78-401 Highway 111, Suite S
La Quinta, CA 92253
Main office: 760-347-5552
Toll free: 800-480-6039
Fax: 760-347-2858

Petaluma Office

1318 Redwood Way, Suite 200
Petaluma, CA 94954
Main office: 707-992-3740
Toll free: 800-798-5897

NY Office

2316 Delaware Avenue, Suite 268
Buffalo, NY 14216
Main office: 877-221-2217
Fax: 877-518-8131

Shingle Springs Office

4065 Mother Lode Drive
Shingle Springs, CA 95682
Main office: 530-677-8755
Toll free: 800-677-8181
Fax: 530-677-8314

Tracy Office

2880 North Tracy Boulevard
Tracy, CA 95376
Main office: 209-835-0776
Fax: 209-835-4224

Our Providers

Testimonials

Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.

Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!

Michelle D.
Over the years we’ve never once had to worry about our coverage. My husband and I are long-time customers and proud to be.

Carol S.
Surprisingly flexible and in-touch with my needs as a small business owner. Can’t ask for more.

Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.

Susan T.