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Second-To-Die Policy in Pickerington OH & Canal Winchester OH

Ensure the Future of Your Estate.

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

Main Office

670 Windmiller Drive STE B
Pickerington, OH 43147
Main office: 614-454-3869
Toll free: 888-565-6624

Our Providers

I am big fan of MMA Insurance Agency since my first experience 5 years ago. My wife and I were purchasing a new home for our family to grow. I had asked Mark for a quote for home owners coverage. I was amazed with the cost considering I was purchasing a bigger home, more coverage and received a lower annual premium. I then decided to have him quote our auto coverage as well. I figured he wouldn’t be able to go much lower since we were preferred clients of a very well know insurance company. Not only was MMA Insurance Agency able to beat the competition, we were getting coverage for both auto and home policies for the same price that we were getting just for our auto insurance with the other company. It’s as if we were getting our home owners coverage for free. I have since recommended my friends, family and clients to MMA Insurance Agency for insurance needs, as they have been able to save each and everyone of them.
Bill Holliday
I just wanted to take a moment and thank you again for everything that you do for us. My wife and I are very happy that we made the switch to MMA Insurance. We were with Nationwide Insurance for over 7 years together and 8 years on my own. After the initial consultation I never heard from my agent, unless he wanted to “up sell” me something. As you know a lot changed in our lifestyles in that time period; Marriage, Kids, Cars and Home Ownership. We originally switched because you were able to get us 2 times the coverage and a large Umbrella Policy for the same rates. We have now been insured with you for almost 2 years and you have already recommended we switch our Insurance carrier to save us money at no cost or reduction of coverage. Thanks again for giving us Peace-of-Mind!
Chris and Janee Bryant
I wanted to send a message to you and let you know what a privilege it has been to work with you entire team to secure my home, auto, umbrella and soon to be health insurance through your company and team. Everyone I have spoken with (Donna, Amanda, Ina) has been amazingly helpful, well informed and highly professional. I am very happy to be one of your new clients and know that I will happily refer you and your team to anyone. Thank you again. Having lived out of the country for five years, now buying a home and setting life up again in the U.S. is kind of an intimidating process, but thanks to you and your team, you have all taken a lot of that fear and stress (of making bad decisions) out of that process for me. Respectfully, Andy M
Andy M