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Second-To-Die Policy in St. Louis MO and Columbia IL

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Crawford-Butz & Associates Insurance Agency 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 Crawford-Butz & Associates Insurance Agency 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 Crawford-Butz & Associates Insurance Agency to determine the right amount coverage for you and your family.
 

Our Locations

Crawford-Butz & Associates Insurance Agency

9700 Mackenzie #120
Saint Louis, MO 63123
Main office: 314-720-3591
Toll free: 800-349-2505

Crawford-Butz: Arnold Branch

1623 Jeffco Blvd.
Arnold, MO 63010
Main office: 636-296-2656

Crawford-Butz: Columbia Branch

212 West Locust
Columbia, IL 62236
Main office: 618-688-0994

Our Providers

Testimonials

They are all friendly, knowledgeable and I never hesitate to ask questions, even ones that are ones I probably should have known the answer to.Highly recommend them.
Karen B.
We absolutely love Tracy Schmitz, our Agent, and the Crawford Butz Agency! ... She has personally processed multiple hail and storm damage claims for us successfully, plus she helped us get the lowest price on auto, umbrella and home owners insurance by shopping it around annually.
Amy M.
Whenever I have compared rates against what Vicky can do for me she has always come out ahead. I have been with her for over 15 years and have recommended her to many of my friends and acquaintances and many have moved to her.
Steven K.