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Second-To-Die Policy in Farmington and communities throughout Missouri

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Ensure the Future of Your Estate.

Between physical assets and financial successes, there are many things that married couples share. First State Insurance Agency, 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 First State Insurance Agency, 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 First State Insurance Agency, 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

Farmington

204 E Liberty Street
Farmington, MO 63640
Main office: 573-756-6741
Toll free: 800-660-4005
Fax: 573-756-2762

Jefferson City Office

514 E High Street
Jefferson City, MO 65101
Main office: 573-635-0249
Fax: 573-635-7993

Perryville - Terry Miederhoff (bank location)

406 North Perryville Blvd.
Perryville, MO 63775
Main office: 573-547-5500
Toll free: 800-660-4005
Fax: 573-334-2815

Potosi

100 HWY P
Potosi, MO 63664
Main office: 573-438-2631
Toll free: 800-660-4005
Fax: 573-438-2292

Washington Office

1801 Bedford Center Drive
Washington, MO 63090
Main office: 636-432-0020
Toll free: 800-660-4005
Fax: 636-432-0022

Bonne Terre

20 East School Street
Bonne Terre, MO 63628
Main office: 573-358-5547
Toll free: 800-660-4005
Fax: 573-358-3470

Cape Girardeau

2527 William Street
Cape Girardeau, MO 63703
Main office: 573-334-8100
Toll free: 800-660-4005
Fax: 573-334-2815

Desloge

1135 N. Desloge Drive
Desloge, MO 63601
Main office: 573-431-9433
Fax: 573-431-9434

DeSoto

1801 Old Boyd St.
DeSoto, MO 63020-0430
Main office: 636-586-7488
Fax: 636-586-9322

Imperial

6021 W. Outer Rd.
Imperial, MO 63052
Main office: 636-741-3111
Fax: 573-664-5745

Perryville - Emmendorfer

625 W St. Joseph
Perryville, MO 63775
Main office: 573-547-6513
Fax: 573-547-6515

Sikeston

201 N Main
Sikeston, MO 63801
Main office: 573-621-3232

Warrenton

1022 North Hwy 47
Warrenton, MO 63383
Main office: 636-377-8500
Toll free: 800-660-4005
Fax: 636-377-8300

Our Providers

Testimonials

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.
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.