Imagine you and your partner, both 90, sharing a quiet moment - maybe a cuppa or a laugh over old photos. You’ve built a life together, and at Spirit, we’re here to make sure that life keeps giving, even after you’re both gone. Our second death life insurance isn’t just a policy; it’s a promise to look after your loved ones. At Spirit, every plan is placed in trust to beat rising inheritance taxes. Here’s how we make it personal, simple, and inspiring.
A Plan for Two, A Gift for Many
Second death insurance kicks in after the second partner passes making it perfect for couples who want to leave something behind. Whether it’s your home, a nest egg, or just peace of mind for the kids, Spirit crafts a plan that lasts. And here’s the game-changer: every policy is automatically placed in trust. That means your payout sidesteps your estate (and those creeping inheritance taxes) so more goes straight to your family.
The Trust Advantage: Why It’s a Big Deal
Fact: inheritance tax can swipe up to 40% of anything over £325,000 (or more with allowances) - and it’s only getting tougher. Traditional insurers might leave your loved ones footing that bill. Spirit? We’re different. By putting your policy in trust, we shield your legacy from the taxman, free of charge. It’s like locking your gift in a safe, ensuring your grandkids or whoever you choose gets the full benefit.
More Than Traditional - Way More
Say you and your neighbor both get second death cover, same price. They go traditional; you pick Spirit. Their family gets a payout, sure - but yours gets that plus a trust plus benefits that make life better, all unlocked by your personal advisor:
- Global Treatment: Care anywhere for your family.
- Fracture Cover: Protection for unexpected bumps.
- Second Medical Opinion: Expert advice when it matters.
- GP 24/7: A doctor on call, anytime.
- Physio & Mental Health Support: Strength for the next generation.
- And More: Extras that show you care, long after 90.
Your Story, Your Advisor
This isn’t about faceless forms - it’s about you. Take Joe, one of our advisors (and a dad who’d do anything for his kids, Emma and Ross). He’ll sit down with you and learn what you want your legacy to be. No call centers, just one person who gets you, making sure your second death plan fits your life at 90. Call him directly when you need him. Traditional insurance doesn’t come close.
Leave More Behind
At Spirit, we believe 90 isn’t the end - it’s a milestone. You’ve laughed, loved, and built something worth passing on. With our second death insurance, you’re not just covering costs - you’re creating possibilities. A trust to dodge taxes, benefits to lift your family, all at the same price as the basic stuff. That’s looking after your loved ones, the Spirit way.
Let’s Shape Your Legacy
Ready to protect what you’ve built? Tell us a bit about you and your partner, and your dedicated advisor will reach out. We’ll design a second death plan at 90 that’s all yours. Tax-smart, benefit-rich, and personal. Because at Spirit, your love story deserves a lasting ending.