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Second-To-Die Policy in Kalispell MT & Columbia Falls MT

Ensure the Future of Your Estate.

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

Best Insurance

337 1st Ave East
Kalispell, MT 59901
Main office: 406-551-6021

Our Providers

I received a quick quote and they found the BEST policy for my needs. The staff is great and very helpful and friendly. I will recommend to all my friends and family. Thank you very much Best Ins.
Tony D
When I first came to Best Insurance, I was greeted with a friendly smile and the staff were eager to help me. They simplified my all my insurance needs. They asked all the right questions and discovered ways to save me more money on my existing policies, and got me into a package that was affordable and met my needs. I will definitely continue to use them in the future and have already recommended them to my friends and family.
Chris
Since being with Best Insurance, our customer service hasbeen so greatly improved. The staff is extremely knowledgeable and helpful. Kevin is an agent that actually works for the customer. I thought those days were gone. Its really refreshing to find an agent that actually gives superior customer service.
Linda
Just opened the acct. today but have been well taken care of. Kevin is very friendly and professional.
Wayne
Kevin was and is great to work with I called for a quote and he got back to me quickly. He was a gentlemen and so glad to be working with him. Kindness and efficiency go along way in my book.
McKenzie
A friend had told me about Best Insurance and then I heard an advertisement on the radio and decided to call. The agent, Robert, was very informative and knowledgeable over the phone and happened to be available to meet with me. He spent a few hours going over different plans and policies with me which allowed me to better make a decision. I had found the process of choosing individual health insurance both stressful and overwhelming, however, Robert was extremely understanding and seemed to keep my best interests in mind. I feel very satisfied in my choice of insurance after all of Roberts time and efforts to advise me in my decision. Ive already directed my family to your companies way as well. I really appreciate Robert and Best Insurance for all the professionalism I received and plan to continue my business with these people. Thanks for everything.
Brittney