Second-To-Die Policy in Fort Collins CO & Loveland CO

Ensure the Future of Your Estate.

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

Front Range Insurance Group, LLC

2002 Caribou Drive, #101

P.O. Box 270550 Fort Collins, CO 80525

Main office: 970-223-1804
Fax: 970-225-6596

Office Hours:

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

Our Providers

Testimonials

I really appreciate that you always provide consistent service; the methodical ways and consistently good service are always a breath of fresh air.
Tonda
My husband and I feel the rates they quote are competitive and they are always making recommendations to provide security to our family.
Heather M.
Susan always keeps me informed of changes in the insurance world and situations I needed to consider.
Kay R.
With her knowledge of the industry, she has guided me through the selection process and made sure I have the right coverage to meet my needs.
Shelly B.
We admire Sue's honesty and ability to make sure our family is covered in the best possible way and at a good price.
Maria H.
Phone calls/questions are always answered just as soon as possible, and the office personnel are both friendly and helpful.
Phyllis B.
I don’t even think about my insurance; I trust Sue and she takes care of me. It’s one area I don’t have to worry about.
Sandi J
...Whenever a client or family member asks for a great agent, Susan is always our first answer.
Ben B