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407.745.4416

Second-To-Die Policy in Orlando FL & East Orlando FL

Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. www.filichia-insurance.com 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 www.filichia-insurance.com 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 www.filichia-insurance.com 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

Filichia Insurance Agency, Inc. - Orlando/Avalon

12301 Lake Underhill Rd. Suite 213
Orlando, FL 32828
Main office: 407-745-4416
Toll free: 855-592-1190

Titusville, FL Office

1703 S Washington Ave.
Titusville, FL 32780
Main office: 321-926-4674
Toll free: 855-592-1190

Our Providers

Testimonials

...I have always been impressed with your company's high standards and employees' ability to save me the most money as possible with my policies. We highly recommend Katherine Rallo for your employee of the month.
Suze C
Surprisingly flexible and in-touch with my needs as a small business owner. Can't ask for more.
Spencer F.
They have strong ties with the community, and it shows. It’s nice to do business with people that really show they care about you and your family.
Susan T.
Accommodating, professional, helpful, and quick. Very comfortable experience and I was impressed by their capabilities. Highly recommended.
Brad M.
I feel lucky to have found an agent willing to provide this level of service. No need to look anywhere else!
Michelle D.
Over the years we've never once had to worry about our coverage. My husband and I are long-time customers and proud to be.
Carol S.
Just wanted to thank the agent at Filichia Insurance in Titusville FL. A breath of fresh air. She was very helpful and courteous in guiding us to make decisions for our home owners policy.
Mr. P
Need a new insurance company contact Linda Filichia, Bob Filichia (located off Lake Underhill in East Orlando) or Michael Filichia (located in Titusville)!!! You will love them!
April B