CALL US:
Dubuque: 563.557.7440
Dyersville: 563.875.2716

Second-To-Die Policy in Dubuque, IA, Dyersville, IA and Surrounding Areas

Ensure the Future of Your Estate.

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

Dubuque - O'Connor & English Insurance

1545 Associates Dr # 103
Dubuque, IA 52002
Main office: 563-557-7440

Dyersville - English Insurance

129 1st Ave East
Dyersville, IA 52040
Main office: 563-875-2716
Toll free: 800-942-4675

Our Providers

For me it is about trust and service. Through the years O'Connor & English has proven to me time and again that I will receive both from them.
Pete Weis, Present - Interstate Pipe & Supply Co. www.ipasco.com
English Insurance has been our supplier of our business and personal insurance for the last 28 years. They have always been very competitively priced and have had excellent service, which in my opinion the most important reason for doing business with them. They are there when you need them. www.speccast.com
Dave Bell - Spec Cast
As a small business owner we would like to commend Sue Miller of O'Connor English Insurance Agency, and let her know how pleased we are with the exemplary work that she has done for us! Sue's knowledge and expertise is invaluable to our company!
Travis & Julie McDermott - McDermott Construction Systems, LLC
Our organization, Dyersville Economic Development Corporation, has had the pleasure of partnering with English Insurance Agency for many years. Having direct access to the friendly professionals at English Insurance Agency and their in-depth knowledge of our organizations needs has been extremely important to us as we grow and expand our initiatives. We enjoy peace of mind knowing they will always strive to provide the best possible coverage at a very fair price. www.dyersville.com
Jacque Rahe - Dyersville Economic Development Corporation
We have been O'Connor & English Insurance and Allied customers for many years and have always been pleased with the excellent customer service we have received. From making policy changes to filing a claim, we have been treated courteously and have received prompt and friendly service. About 3 years ago, I was involved in an accident and at that time realized just how much Allied cares about their clients. The other driver was at fault and the other insurance company only seemed to care about their % of liability. Once the Allied adjustor became involved everything seemed OK because she took care of everything from then on and we received payment for the car in a very short time. I really felt that she cared about me as a person. In a nutshell, O'Connor & English Insurance and Allied are there when you need them.
Mary & Brian Birch - Dubuque, Iowa
Fried Green Tomatoes celebrates 20 years in business this year. We pride ourselves on quality and excellent customer service, it is nice to partner with an insurance business that exemplifies our same qualities. Mike presents several options to us and helps us choose the best that not only fits our needs but our budget. Thanks for helping our small business be successful. Fred Bonnet Fried Green Tomatoes Restaurant 213 N. Main St. Galena, IL 61036 p: 815.777.3938 f: 815.777.3967 www.friedgreen.com
Fred Bonnet
With O'Connor & English Insurance, we get to relax knowing we have the right amount of coverage for our organization while getting competitive rates as well. We have great trust in their knowledgeable staff who provide an exceptional customer service experience. Jeff MacFarlane, Executive Director Colts Youth Organization www.colts.org
Jeff MacFarlane - Executive Director - Colts Youth Organization