636-614-0715

Second-To-Die Policy in Saint Peters MO & Cottleville MO

Ensure the Future of Your Estate.

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

Main Office

330 Jungermann Road Unit B

Saint Peters, MO 63376

Main office: 636-614-0715
Fax: 636-441-7713

Office Hours:

Mon: 9:00 AM - 4:45 PM
Tues: 9:00 AM - 4:45 PM
Wed: 9:00 AM - 4:45 PM
Thurs: 9:00 AM - 4:45 PM
Fri: 9:00 AM - 4:45 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

Top notch customer service and saved us a ton of money. We have referred family members to them and they have been thrilled, as well. Couldn't be happier.
Matt M.
By far the best insurance agency I have every dealt with. I will admit that I am not the greatest driver and have dealt with these agents on several occasions. Every time I speak with the agents at Risinger Insurance Agency, they are professional and honest which is hard to find in an insurance agent these days. I highly recommend giving them a call and just see for yourself what they can do for you and how much money you will save. Great customer service and saved me a lot of money!
Tony M.
We have been with them for about 4 years. The team there is amazing. We own a small business and they were able to save us considerably on all of the policies we have including our personal ones. They walked us through everything and took time to explain every process.
Adam N.
We have been with Risinger for a few years now and we couldn't be happier. It was crazy the difference in cost and customer service we got from Risinger than anywhere else. When I got into a hit and run accident they were so understanding and quick to make sure that first I was okay and second that I was taken care of. If you are looking for a great insurance company, look no further! Greg and his staff are amazing!
Stacie S.
My experience with Risinger Insurance Agency has been nothing but wonderful. Rachel goes above and beyond to make sure my needs are met in a timely manner. I would strong recommend this agency to anyone.
Lauren P.
What a great insurance company! I've had bad experiences with a few companies but Risingers is by far the best I've worked with! Professional and great rates.
Bill M.