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Second-To-Die Policy in Ventura CA & Oxnard CA

Ensure the Future of Your Estate.

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

Coastal States Insurance Services

1986 S. Victoria Ave
Ventura, CA 93003
Main office: 805-421-4490
Toll free: 800-840-5290

Coastal States Insurance Services

502 1st St. Suite C
Paso Robles, CA 93446
Main office: 805-835-4236
Toll free: 800-840-5290

Our Providers

Coastal States Insurance saved me over $100 on my auto insurance, and I was even able to get more coverage in addition to what I already had! I was so happy to have called an agency that really cared to help me and my family save as much money as possible. I highly recommend them to anyone looking to save money or simply see what other options are out there. Thank you so much Justin and Dave!! - Karyn Hernandez-Ventura, CA
K. Hernandez-Facebook.com
I own and manage a tightly run manufacturing operation here in Oxnard, CA. I have trusted Coastal States Insurance for over 20 years in managing my coverage and let me tell you, this is an agency that is straight to the point. No games, very informative, educated me on coverage's that I ended up needing at a time of an accident. I would recommend these guys to anyone who is looking for a solid team to protect anything necessary. Thanks again Ron. John D. CI manufacturing bros. inc.
John D.
Coastal States Insurance has consistently offered me a cheaper premium than anyone else who even bothers to try these days. I look for patience, customer service, and a team that has mine and my family's well being from day one. I recommend this agency to a lot of my friends who is also covered by them and all I ever hear is great stories. Thank you for taking care of me and my family Ron, we support you the entire way. Congratulations on your new office, its beautiful !!! Hector Cervantes- Cervantes Landscaping
Hector C.
Mitchell Weiss takes great care of me and our Doggy Daycare business. With such a huge risk everyday being around dogs , it important to have an agent who is on our side to ensure we have the right coverage at a price we can afford. Thank you so much Mitchell ! Doggin' Around Daycare- Ventura CA.
Nancy Barna
Ron Hayduk is the best in the industry state wide. If anyone you work with is even half as good as what Ron has been able to do for us and my company, you are in great hands. Thank you Ron, its rare to find a Broker like you in todays market. Straight to the point, no bs, we can appreciate that.
Danny s. - Farm Labor Contractors Assc.