360-703-9916
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Second-To-Die Policy in Lynden WA & Bellingham WA

Ensure the Future of Your Estate.

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

Manna Insurance Group

1720 Front Street

Lynden, WA 98264

Main office: 360-703-9916

Office Hours:

Mon: 8:30 AM - 5:00 PM
Tues: 8:30 AM - 5:00 PM
Wed: 8:30 AM - 5:00 PM
Thurs: 8:30 AM - 5:00 PM
Fri: 8:30 AM - 4:00 PM
Sat: Closed
Sun: Closed

Our Providers

Testimonials

DVK is the most personal and caring agent my family and I have ever dealt with. I know it is cliche in the insurance world to say your agent truly cares about you, but knowing Dan as long as I have, it could not be any more true than DVK and Manna Insurance. AWESOME!
Blake Witman
Dan is the best agent! ....Follows through, returns calls, and is always watching out for our best interest. Give him a call!
Shauna Salmonson Thomas
Dan offered to review our policy without us asking him to. He was able to double our coverage and save us $300. We couldn't ask for a better insurance agent or company!
Leslie DeKrie
Trust. That is the biggest factor that we consider when it comes to choosing a service provider of any type. This is especially true for us when it comes to choosing the best way to meet our insurance needs. Kyle and Daniel at Manna insurance have more than met our expectations in every way and we would highly recommend their highly competent and professional help to anyone looking to meet their personal or business insurance needs! Brad & Kristi Kuik
Brad & Kristi Kuik