800-997-3499

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

Ensure the Future of Your Estate.

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

CCIS Insurance Group

2520 W Shaw Lane Ste 104

Fresno, CA 93711

Main office: 559-320-2247
Toll free: 800-997-3499
Fax: 559-320-0299

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

When I've called CCIS, I've received friendly, personable and helpful service. It's a good feeling to have such great service from my insurance agency and my agent, Cala Carter
Linda Geringer, director of Kerman Chamber of Commerce
We were extremely please to work with Mark Rivard and CCIS Insurance to review our corporate insurance policies. Their service exceeded our expectations and proved that they are not the typical insurance agency. Mark's great care and sincere concern in understanding our business' insurance needs helped us to get the coverage we should have an even better cost savings over our previous policies. Thank You.
Michael Stickland, Strickland Enterprises Dba: Strickland Drilling
I love it. You have to be the best insurance agent, with the best insurance agency on earth. High five. Thanks for the speedy response.
Anoosh Moadab, DPM, All Valley Podiatric Group
Lisa, I would like to thank you and Cala for your great assistance in our insurance matters. Your immediate attention and action to get it done fast is truly appreciated and we feel very grateful to be in your caring hands.
Iwona & Hassan Dwidar
"Cala Carter has been my agent for 20 years and her agency does a great job on my personal and business insurance. I opened my gallery in Palm Springs last January and she had a policy in place in 45 minutes"
Nat Reed