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Second-To-Die Policy in Post Falls ID & Coeur d' Alene ID

Ensure the Future of Your Estate.

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

Insurance Shoppe - Post Falls

755 N. Regal Street
Post Falls, ID 83854
Main office: 208-773-7531
Fax: 866-800-5014

Our Providers

Testimonials

I have to say thank you to Amanda and her team at the Insurance Shoppe. You have been an incredible help with our coverage needs. What has impressed me most was how you reached out to me directly, without being prompted, to discuss a solution to help improve our insurance coverage and lower our premiums. I have never had anyone reach out like that to lower the amount they collected. The work you did has helped us save $2,000/year on our insurance from what we already thought was a fair, and low, payment. I’m telling all my friends and family to at least discuss their insurance needs with you and the team at the Insurance Shoppe because I know they will be as impressed as I have been. Thank you again for the excellent service. Looking forward to a long lasting partnership.

Cameron Barclift
Three years ago I switched all of my personal insurance to The Insurance Shoppe, including homeowners, cars, boats and camper. Aimee was able to reduce my monthly premiums while still maintaining the same coverage. Their customer service has always been top-notch. I would highly recommend the Insurance Shoppe for your insurance needs. - Judy Kirking

I was amazed at the ease with which the Insurance Shoppe was able to take over my business lines of insurance. They thoroughly review the policies to ensure that we had the right coverage in place and save the company money in the process. They always respond quickly to requests for certificates of insurance and answer any questions I have about coverage promptly. I would recommend them to any business owner that needs a responsive, trustworthy, and cost effective solution for their insurance needs! - Loni Knepper, President, Background Source Intl.

I have been a loyal State Farm customer most of my adult life. I've entrusted our cars, homes and toys to State Farm for many years. After meeting the folks at The Insurance Shoppe, I found that I could get equal or better coverage through their carriers, usually for less money. One at a time, I continue to cancel policies with State Farm and sign up with The Insurance Shoppe. The coverage and premiums are great but the people are even greater. I'm never made to feel like just another customer. Thanks for the great service. - Tom Pray, Sierra Security

Sally at the Insurance Shoppe is awesome; she has taken care of all our business insurance needs and is now taking over our personal insurance, too. Thanks for being there for us. - Ben Keele, QualityByte Computers

Sally at the Insurance Shoppe has been great to work with. Not only has she been able to find me the lowest rates, it's been so easy. They find out what is best for me, and then they make it happen. They take care of all my insurance needs. - Dr. Jeff Priebe, Chiropractic Pain Relief Clinic