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Second-To-Die Policy in Fresno CA & Madera CA

Ensure the Future of Your Estate.

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

Avakian Insurance Services, Inc.

1274 W Hedges Ave
Fresno, CA 93728
Main office: 559-697-4431
Toll free: 877-887-8844
Fax: 559-268-4946

Costa Mesa Office

129 Cabrillo, #103
Costa Mesa, CA 92627
Main office: 714-559-3837
Fax: 559-268-4946

Our Providers

Testimonials

Wonderful customer service! Always get a prompt response. Thank you!

Suzanne Smith
Insurance is never ever fun. But working with Bill at Avakian Insurance, it was. He was very patient and walked us through all the crazy scenarios we would put forward to understand our coverage. We started with homeowners insurance and now they handle all our insurance including auto, home, life, etc. Working with Bill really took the confusion out of insurance coverage. I will continue to refer my family and friends to them.

Anna Borgeas
I was with a large insurance company for many years and never once met my agent. After getting some run around on the phone, I decided it was time to find someone who would meet me and shake my hand. I found that person in Bill Avakian. He is easily accessible, professional, and responsive to my needs. I made the change and never looked back!

Greg Miskulin
Avakian Insurance has provided me and my family with amazing customer service. They are always available to help answer any questions I have. They also helped us find the best rates possible for our home and auto insurance. I'm always happy to refer family and friends to Avakian Insurance because I've had such a positive experience! If you're looking for an incredible and reliable insurance company, they're the people to turn to!

Katie Rodgers
Tom, Bill and their staff are excellent to work with. As a family-run independent insurance agency, they are accountable only to you. They will find the right policy that will meet your coverage needs, often times saving you big money. When you have a claim, it will be taken care of.

WARREN LOWE
I enjoy working with Avakian insurance, they are professional, easy to work with and experts at what they do.

Roman Cota
Always friendly and helpful. I have been with this insurance agency for 32 years.

Kelly White
Bill and his team take care of all my personal and business insurance needs! They’re always there to help and answer questions.

Brian Domingos, Real Estate Broker