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408.612.8195

Second-To-Die Policy in Morgan Hill CA & San Jose CA

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. Weller/O'Brien 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 Weller/O'Brien 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 Weller/O'Brien 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

Weller/O'Brien Insurance Services

16275 Monterey St. Suite L
Morgan Hill, CA 95037
Main office: 408-612-8195

Weller/O'Brien Insurance Services - Half Moon Bay

720 Kelly Avenue
Half Moon Bay, CA 94019
Main office: 650-492-6842

Our Providers

Testimonials

Bill has been my agent for over 20 years, insuring my house, my car and my business. I highly recommend his agency especially for the personal attention provided by Celia with my ongoing needs. I don't worry about my insurance thanks to Celia and Bill.
Gayla P.
It's a pleasure to do business with Celia and Bill. They are both knowledgeable and friendly. Excellent customer service! Whenever I've called with a question, they've responded in a very timely manner. My husband and I have been customers for over ten years and will continue for many more.
Phyllis S. San Jose, CA
We have been working with Bill and Celia for over 20 years. We have used their agency for our home, farm and auto. I find them to be prompt, honest and knowledgeable. We depend on them! Celia takes a very personal interest in helping us which really is sincere, apparent and unusual in this day and age. I would very highly recommend Bill and Celia to all my friends and colleagues!
Doug W. Milpitas, CA
Bill and Celia have been providing our family with tremendously great service for our farm, homes and autos for many years. It is because of their knowledge, that we can go about our business confident and worry free knowing we have good coverage. I highly recommend Bill and Celia for the friendliness and informed services the provide.
Doug P. J.E. Perry Farms