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800.999.0474

Second-To-Die Policy in Hays KS & Russell KS

Ensure the Future of Your Estate.

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

*Main - Insurance Planning, Inc.

3006 Broadway Ave
Hays, KS 67601
Main office: 785-546-4530
Toll free: 800-999-0474
Fax: 785-625-8388

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: By Appointment
Sun: Closed

Great Bend

1901 12th Street
Great Bend, KS 67530
Main office: 620-422-2738
Toll free: 888-792-1297
Fax: 620-792-2003

Office Hours:

Mon: 8:30 AM - 4:30 PM
Tues: 8:30 AM - 4:30 PM
Wed: 8:30 AM - 4:30 PM
Thurs: 8:30 AM - 4:30 PM
Fri: 8:30 AM - 4:30 PM
Sat: By Appointment
Sun: Closed

Hays - AG PRO Crop Insurance

1504 East 27th Street Terrace
Hays, KS 67601
Main office: 785-392-6349
Toll free: 877-650-0500
Fax: 785-650-0505

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: By Appointment
Sun: Closed

IPI Financial Services

3006 Broadway Avenue
Hays, Ks 67601
Main office: 785-546-4530
Toll free: 800-999-0474
Fax: 785-625-8388

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

Russell - Insurance Planning, Inc.

602 Main Street
Russell, KS 67665
Main office: 785-630-5163
Toll free: 877-483-2163
Fax: 785-483-5131

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: By Appointment
Sun: Closed

Our Providers

Testimonials

“Everyone is very friendly! I love talking with Debbie, there is always a smile in her voice and she is always quick to help."
- DW
“Excellent service as always. We are impressed. Every single time we call, they are friendly and very helpful.”
- RR
“Your service was prompt, accurate and courteous. I appreciate the way you handle claims and I want to thank you."
- TK
“It is a comforting thing to know the answers I need are only a phone call away! Thanks"
- Rex H-D Oil Field Service, Inc.