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Second-To-Die Policy in Elk River MN & Minneapolis MN

Ensure the Future of Your Estate.

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

Affordable Insurance Solutions

10997 185th Ave Nw
Elk River, MN 55330
Main office: 612-255-6897
Fax: 763-777-9302

Affordable Insurance Solutions White Bear Lake

11 Apple Orchard Court
St. Paul, MN 55110
Main office: 651-283-2483
Fax: 651-846-5445

Our Providers

Testimonials

Bryan Holte has been a great agent to work with. I have never worried that he overlooked anything or that he didn't know this business inside and out. He operates from a place of honor and integrity and that is rare in this industry!

Gretchen M.
I have worked with Bryan Holte for several years and I have referred him to all my friends and family. He always takes the time to really get to know his clients so he can best serve their needs. Many times he has found better coverage to meet my needs often at a lower cost than I was currently paying. I will continue to refer Bryan, he is a true professional.

Doug C.
I recently transferred all of my insurance policies over to Affordable Insurance Solutions. Bryan Holte helped make it a very smooth and quick process. Bryan helped me reduce my premiums while providing great deductible rates and even increasing my insurance coverage. I will definitely suggest Bryan to all my friends and family.

Eric W.
Bryan Holte has been a great asset! He's saved me plenty of dough and is always a phone call away. I wouldn't insure with anyone else! Plus he's good for a few fishing tips now and again.

Brent S.
I recently worked with Bryan Holte and he was not only respectful of my time and responsive to my needs but he saved me $1500 annually! Thanks Bryan

Mark B.
Thank you Bryan for saving my family, friends and I so much money on insurance! I will highly recommend you to everyone I know looking for insurance.

Jessica Z
Bryan is an ethical, hard-working professional who has always been able to beat the competition with great rates and great service. I recommend Bryan to all my clients!

Ellen G.