412-893-2500

Second-To-Die Policy

Ensure the Future of Your Estate

Between physical assets and financial successes, there are many things that married couples share. HHM Insurors 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 HHM Insurors gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you have worked hard to attain. And because the policy insures more than one person, you will 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 is important to discuss your options with an insurance specialist from HHM Insurors to determine the right amount coverage for you and your family.
 

HHM Insurors

500 Commerce Drive

P.O. Box 1138 Moon Township, PA 15108

Main office: 412-893-2500
Fax: 412-893-2525

Office Hours:

Mon: 8:00 AM - 4:30 PM
Tues: 8:00 AM - 4:30 PM
Wed: 8:00 AM - 4:30 PM
Thurs: 8:00 AM - 4:30 PM
Fri: 8:00 AM - 4:30 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

"HHM Insurors has been providing Walnut Capital insurance and risk management guidance for over 10 years. Their proactive management of our entire insurance portfolio has allowed us to concentrate on our property development and management business without having to staff our own insurance department."
Todd E. Reidbord, President, Walnut Capital Management, Inc.
"HHM Insurors has been providing Miller Centrifugal Casting Co. insurance services for our Manufacturing business since 2005. Their detail to service and representation of numerous carriers has enabled us to have a very comprehensive program at competitive prices. We appreciate all they do for us."
Rodney J. Francis, V.P. and CEO, MCC International, Inc.
"HHM Insurors has been our insurance advisor since 1982. Because our administrative staff is small we rely on our regular conversations with their firm on an array of contractual related insurance issues."
Nick Aspiotes, President, Almega Company, Inc.
"EMS organizations are struggling with increasing costs on every level. Those who choose to partner with HHM Insurors are better able to manage their worker's compensation costs, and consistently praise HHM's exceptional customer service."
J. R. Henry, President, J.R. Henry Consulting Inc.
"We have been with HHM Insurors for over 20 years and they have always been focused on our bottom line. Again, this year they offered an optional health care plan provider with better coverage than we had and a more competitive workers compensation plan that saved us thousands" A+ service!"
Russell J, Scheller, Director, Richland EMS