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Second-To-Die Policy in Huntington and Long Island, NY

Ensure the Future of Your Estate

Between physical assets and financial successes, there are many things that married couples share. Garbe Associates 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 Garbe Associates gives your beneficiaries the means to pay off your estate taxes without having to liquidate the personal assets you have worked hard to attain. And because the policy insures more than one person, you will 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 is important to discuss your options with an insurance specialist from Garbe Associates to determine the right amount coverage for you and your family.
 

Our Locations

1. Huntington Station Office

876 East Jericho Tpke
Huntington Station, NY 11746
Main office: 631-693-4671
Fax: 631-427-6293

2. Auburn Office

201 Genesee St
Auburn, NY 13021
Main office: 315-683-4183
Fax: 315-252-7313

3. Mt. Sinai Office

655 Rt. 25A
Mount Sinai, NY 11766
Main office: 631-693-6265
Fax: 631-427-6293

Our Providers

Testimonials

Great people to work with! I've found the customer service at this agency to be outstanding. Very helpful with quick response times back. Definitely recommend them!

Mark313
Highly recommend! This is the best insurance agency that I've ever been with. They will go above and beyond to get you the best rates. Tara is the best, very professional, polite, super friendly, and really knows her stuff. I recommend them to everyone.

LauraAC
You really get the personal touch when you work with Garbe Associates LLC. Especially with Tara Willette, she is the BEST always knows the answers to your inquiries, and if she doesn't gets right back to you with an answer.. Thank you for the great service...

JonnyBBB
I have been with Nationwide for well over two decades. I have worked with the same agent, and then the agents successor. I mainly deal with the staff personnel who have always been helpful to me. Assisted me in procuring the best rates possible. The best reference is the length of time with the same carrier, and people.

Ron342
Garbe Associates is definitely a very welcoming group of people and they are easy to work with. The agents are all very knowledgeable about the questions I ask and are very helpful. I have also received a great rate!

Carmin