Call Us Today:
909.321.5695

Second-To-Die Policy in Ontario CA & San Bernardino County CA

Ensure the Future of Your Estate.

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

Main Office

3333 E. Concours St.
Ontario, CA 91764
Main office: 909-321-5695

Testimonials

I want to thank you for all your help last week...Maricela is definitely a valuable asset to your company. She immediately put me at ease when I called her and quickly understood the issues...She's personable, very professional and knows how to provide good customer service.
Kathy Romano, Dana Point, CA
We received excellent service from our agent, Amorelli, Rosemann and Associates Insurance Services and the insurance company they helped us select to provide coverage on our home, Safeco Insurance Company. We had the unfortunate experience to discover a water leak in the slab foundation of our home. All parties involved were pleasant, attentive and professional in their approach to repairing the damage and resolving the claim in a very fair and expeditious manner. We have nothing but high praise for both Amorelli, Rosemann and Safeco and will refer other people to consider using Amorelli, Rosemann and Safeco for their insurance needs. Thanks again for all the outstanding support in making us whole again!!
Keith & Grace Kenney, Orange, CA
When I contacted Amorelli, Rosemann & Associates to get a simple quote for home insurance, I had no idea it would turn out like this. Ms. Jennifer Hendrix was the one handling it. In the end, we have put together four separate policies, I have saved a lot of money and have better coverages anyway. Jennifer did an excellent job, offering just the right things and providing the right information in a timely, courteous and professional manner. I thought you should know.
Thomas Skarvada
Safeco has been very good & very efficient to my wife and I. We have both our home-owner's policy, & 3 autos with Safeco, & cannot imagine changing, & would highly recommend.
Irene & Jerry Walla