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Second-To-Die Policy in Meridian ID & Boise ID

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Mustard Seed Financial & 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 Mustard Seed Financial & 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 Mustard Seed Financial & 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 Locations

Headquarters

501 S Main Street
Meridian, ID 83642
Main office: 208-497-5651
Toll free: 855-558-0505
Fax: 208-939-1780

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Twin Falls

834 Falls Avenue, Suite 1250
Twin Falls, ID 83301
Main office: 208-629-1824
Fax: 208-629-5133

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Mike at Mustard Seed does my insurance--I highly recommend him! I could not be more pleased with the customer service I've received from him, and the extra mile this company goes for its clients. Stop talking to some dude in India and call this company instead.
- Forrest W.
Nathan Cooney is awesome!!! He is the most helpful broker I have ever worked with!!! I would recommend him and Mustard Seed to anyone.
- Emily EP.
Omg Debbie is amazing. She is very quick and always polite. So helpful with what's probably silly questions but never judges me. Beat all the competitors quotes saved me over $100.
- Stacy S.
EXCELLENT agency, and they have some extremely experienced agents. I highly recommend them. We have done work for them through my company, and it has always been a positive experience for all involved, they treat people right! Thanks! Jess @ SERVPRO.
- Jess F.
Mike Williams reduced my rates for auto, home and umbrella insurance by 15% with significantly better coverage. I was very pleased with his services. I would recommend giving him a chance to quote you some insurance. Can't go wrong with better coverage at a reduced cost!
- James M.
I've used Mustard Seed Insurance for years for all my family's insurance as well as my business insurance and couldn't be happier.
- Douglas C.