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Second-To-Die Policy in Hanover PA & Gettysburg PA

Ensure the Future of Your Estate.

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

Barrick Insurance

1401 Baltimore St
Hanover, PA 17331
Main office: 717-467-4253
Toll free: 800-548-9810

Our Providers

Testimonials

You provided us fast service for our Homeowner's Policy so our loan could be processed. What a great surprise when we got our Auto Insurance at half the price we were previously paying! Thanks to your courteous staff!!!
Vada & Stanley Sheeler, Hanover, PA
We bought our first house 14 years ago, Barrick Associates helped us to fulfill our insurance needs and at a great price we wouldn't change companies.
Steven & Diane Kagarise, Littlestown, PA
We were in a bind without insurance, and your agency was the only one that could help us out. Also the service was great. Thank you,
Mary C. Shildt, Littlestown, PA
You have a great staff, cheap rates and are always understanding. Thanks for a great service.
Crystal Treadway, Hanover, PA
I am well satisfied with the service and rates. Thank you.
Gerald B. Thoman, Hanover, PA
Yes, I am now 55 yrs. old and was dealing with your company since I was 16 yrs. Old, I am very satisfied with your service.
Allen E Mundorff, Hanover, PA
Any services that I have needed through out the years, has been very satisfactory. Your staff is very helpful. Thank you.
Donald A. Hinkle, East Berlin, PA
Thank you for coming to our rescue when we needed car insurance and homeowners insurance. We weren't happy the way our last company dumped us after over thirty years of good service. Your staff is very accommodating and cheerful. It means a lot to me when you can talk to a real person that is accommodating and happy to serve you! Thank you again!
Nancy E. Leese, Hanover, PA
I have been with you and your predecessor R.J. Topper Agency for 56 years. This is a testimony for it's self.
Rev Msgr. VIncent J. Topper, Harrisburg, PA
I am well satisfied.
Gloria A. Geesey, Spring Grove, PA
One phone call and all of my needs & requests are handled in a quick, professional, and courteous manner.
Hugh F. Hoffman Hanover, PA