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Second-To-Die Policy in Sacramento CA & Roseville CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Sierra Oak 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 Sierra Oak 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 an insurance specialist from Sierra Oak Insurance Services 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

Sierra Oak Insurance Services

9700 Business Park Drive, Suite 105
Sacramento, CA 95827
Main office: 916-823-8707
Toll free: 888-590-5282
Fax: 916-364-7381

Our Providers

Testimonials

I’m extremely confident with my policy that I have with Sierra Oak. They recommend strong coverage options and make sure that I always have what I need. They constantly keep me informed of new coverage offers and discounts, and they’re also always willing to shop around for better rates. I feel very safe with them and I know that I’m paying for what I truly need and nothing more.

Christina Moore
They always respond quickly, whether it be through email or phone. Upon signing up they gave me a contact list of who’s in charge of what policy so I could save time by contacting them directly. If they don’t know an answer to a question, they’ll find out and get back to me within the day. Great customer service!

Katie Deither
The thing I enjoy most about Sierra Oak is all the people are so easy to talk to! They keep me informed by educating me about different coverage options, terms, and discounts. I use them for my company and when we have an audit, they explain all the reports in an easy to understand way, and also send me anything I need. They’re always right on top of things and never miss a beat.

Cheryl Bridgewater
They know you when you call they know about you, direct contact feel like a person and not another number. I am confident in what they offer, they keep me informed and keep shopping for better rates…the people easy to talk to, they educate me on terms and we have an audit and explain reports and send me anything I need.

Carla Neiswender, Saputo Construction