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Second-To-Die Policy in Ocala FL & Belleview FL

Ensure the Future of Your Estate.

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

Bird Insurance Agency LLC

516 SE 17th St
Ocala, FL 34471
Main office: 352-643-5898
Fax: 352-622-5854

Callum and Bird Insurance

3306 SW 26th Ave #401
Ocala, FL 34471
Main office: 352-643-5899
Fax: 352-873-8737

Our Providers

Testimonials

We have trusted Bird Insurance for over 15 years with many of our personal and business insurance policies. Based on our instructions and requests, we find them to be fair and accurate in gathering information, presenting their findings, and offering their insights. We feel confident in making decisions that meet our needs based on their professional, detailed approach. We rely on them to secure the best coverages at the best premiums.

James Gangelhoff, G Tee & Tru Hone Corp
During a routine visit regarding our business insurance with Steve Bird, we happened to mention that we were cashing in an old life policy and purchasing new coverage through another agent. Though Steve's questions and insight, we realized these changes were not accomplishing what we needed. Bird Insurance Agency helped us to correct this error and achieve our goals. We value and appreciate their help and professionalism.

Michael & Linda Mikulak
My wife and I tried to save money by shopping for life insurance on the internet. We were unhappy and frustrated it was very impersonal and confusing. Bird Insurance Agency walked us through the whole process, answered our questions, and expedited the whole process. Because our local agent knows us and acted as our advocate, we ended up saving money, time, and aggravation!

Jon Tyler
Steve Bird had insured our home, auto and business for many years. When we needed life insurance, and inquired on disability, they shopped many companies to secure quotes and coverages to meet our needs at the best price. They are good at explaining things well so we can make the best decisions possible. When it comes to insurance, Bird Insurance Agency is our agency. We trust them to be our advocate.

Tom & Suzette Huggins/Ocala Irrigation