Plaintiffs sought a declaratory judgment to construe the Last Will and Testament of Jake G. Mayo. The trial judge ruled that Mr. Mayo’s will devised a vested remainder in his farm to such of his nieces and nephews who were living at the time of his death. Plaintiffs appeal, contending that the testator intended that only the nieces and nephews who survived the life tenant should have an interest in the farm. We reverse and. remand with instructions that the trial judge enter summary judgment for plaintiffs.
I
Jake G. Mayo died testate on 31 May 1940. He was survived by his wife, Sophia Jarman Mayo, one brother, George E. Mayo, and eleven nieces and nephews, all of whom were born prior to the time the testator executed his will on 20 December 1939. Jake G. Mayo left all of his property to his wife, “. . . except the farm I inherited from my father. This farm, I give to my wife . . . for her life time and at her death, said farm shall be divided between my living n[ie]ces and nephews.”
Sophia Jarman Mayo died on 28 January 1987. Between the time of her death and the death of the testator, Jake’s brother and four of Jake’s nieces and nephews died. The seven surviving nieces and nephews are the plaintiffs. Four heirs of the dead nieces and nephews are the defendants.
II
Plaintiffs contend that the testator intended only those nieces and nephews who survived the life tenant should have an interest in the farm and that the nieces and nephews living at the time of the testator’s death took only a contingent remainder interest. The defendants contend, as the lower court held, that because the language of the will is ambiguous, all the nieces and nephews living at the testator’s death took a vested interest in the farm.
It is true that the law favors early vesting of estates and that an estate will be held to vest at the death of the testator, *659unless it is clear from the language that the testator intended to postpone vesting to some other time. Chas. W. Priddy & Co. v. Sanderford, 221 N.C. 422, 425, 20 S.E. 2d 341, 343 (1942). A court’s primary objective when construing a will is to effectuate the intent of the testator, as long as that intent does not conflict with the state’s public policy or laws. Kale v. Forrest, 278 N.C. 1, 5, 178 S.E. 2d 622, 625 (1971). All other rules of construction must yield to this objective. Id. at 14, 178 S.E. 2d at 625.
The testator’s intention must be gathered, if possible, from the language of the will itself. Clark v. Conner, 253 N.C. 515, 520, 117 S.E. 2d 465, 468 (1960). Every word must be examined for meaning and purpose. Id. at 521, 117 S.E. 2d at 468. In this case, we are called upon to give meaning and purpose to the phrase “my living nieces and nephews.”
States differ on the interpretation of words of survivorship. Some states hold that terms such as “surviving” refer to the death of the testator. See, e.g., Gay v. Graham, 218 Ga. 745, 130 S.E. 2d 591 (1963). North Carolina, however, is among the majority of states which presume that words of survivorship refer to the death of the holder of the intervening estate, unless an intention to the contrary is indicated. Vass v. Freeman, 56 N.C. 221 (1857). The reasoning behind this presumption is that it is assumed that the testator expected to be survived by those mentioned in the will and that it would be unnecessary to use words such as “surviving” or “living” if the testator intended that all those living at the time of his death should take. See id. at 226; Miller v. Rogers, 246 S.C. 438, 444, 144 S.E. 2d 485, 488 (1965).
North Carolina courts have held “surviving” to refer to the death of the holder of the intervening estate, as long as the entire will would sustain such a construction. For example, in Kale v. Forrest, 278 N.C. 1, 178 S.E. 2d 622 (1971), our Supreme Court held that the phrase “[a]t his death the balance should be given to my surviving heirs” referred to the “persons who would be living or surviving at the death of [the holder of the life estate].” Id. at 17, 178 S.E. 2d at 632.
Defendants rely heavily on Taylor v. Taylor, 174 N.C. 537, 94 S.E. 7 (1917), in which our Supreme Court held that the phrase “my living children” referred to all the children living at the death of the testator. However, the Court noted that
*660when the devise is to survivors after a life estate, the time usually adopted for determining who comes within the class is the death of the life tenant, and not the death of the testator . . . but these are not principles of substantive law, but rules of interpretation, which should be resorted to to ascertain the intention of the testator, and not to defeat it.
Id. at 539, 94 S.E. at 8 (citation omitted). The Court found evidence of the testator’s intent for vesting to occur at his death because 1) he had used “living” to exclude his deceased child and that child’s heirs for personal reasons, and 2) by other language in the will, the testator had said what he meant by “living.” Id.
North Carolina courts have held “living,” when qualifying the takers after a life estate, to refer to those living at the death of the life tenant. In Poindexter v. Wachovia Bank & Trust Co., 258 N.C. 371, 128 S.E. 2d 867 (1963), the Court held the expression “that is living” in the executory devise meant those living at the death of the life tenant. Id. at 376, 128 S.E. 2d at 872. In Gill v. Weaver, 21 N.C. 41 (1834), the Court recognized the survivorship quality of “youngest living child,” despite its disinheriting effect, noting that the testator had “forgotten to provide for the death of a child leaving issue . . . [and] [a]ny other reading would strike the word ‘living’ out of the will altogether.” Id. at 45.
Language nearly identical to that found in Jake Mayo’s will has been interpreted by the South Carolina Supreme Court in Slice v. Metze, 294 S.C. 12, 362 S.E. 2d 178 (1987). The court held the devise to the testator’s wife for her life and at her death “to my living children to be equal [sic] divided between them” to vest the remainder at the death of the life tenant. Slice was based on an earlier case, Miller, in which the court found the words “my living children” to mean the same thing as “my surviving children,” words which had been previously held to reflect an intent on the part of the testator to postpone vesting until the death of the life tenant. The court based its decision on the view that the word “living” must be given effect, for “[i]f [the testator] intended his children living at the date of his death to take a vested interest immediately, he did not need to use the modifying word ‘living’ and would have accomplished that result by the use of the word ‘children,’ without any modifying adjective.” Miller, 246 S.C. at 444, 144 S.E. 2d at 488. We agree with the reasoning in Miller.
*661Other language in Jake Mayo’s will reinforces the construction we have given to the remainder interest. We recognize that words such as “after,” “at,” or “upon,” by themselves, do not postpone vesting. See Sanderford, 221 N.C. at 425, 20 S.E. 2d at 343. However, the phrase “at her death” combined with the phrase “living nieces and nephews” reflects to us a clear intention on the part of the testator to postpone vesting. As the Supreme Court of Pennsylvania stated in construing “at his death to be divided among his living children as follows: $500 to M.
The words, “at his death,” refer to the death of [the life tenant], and not to the death of the testator, and fix the time for division. The words “living children” and “other children” are descriptive of the persons who are then to take. Until the time for distribution is reached, the persons entitled to shares cannot be ascertained.
Day v. Thompson, 233 Pa. 550, 82 A. 935 (1912).
We must assume that Jake Mayo had a purpose in using “living” to qualify “nieces and nephews.” None of the nieces and nephews had predeceased him, so he did not use the word to exclude a specific niece or nephew. Yet, his words serve as a limitation of the class which is to take the remainder interest. Therefore, we conclude from the will’s language that Jake Mayo used “living” to express his intent to take care of any nieces and nephews living at the time of the eventual distribution of the estate, the death of his wife. In so doing, we treat the phrase “my living nieces and nephews” as our courts have treated other phrases of survivor-ship, giving the nieces and nephews the estate contingent upon their survival of the life tenant.
Ill
For the reasons we have stated above, the order granting summary judgment for the defendants is reversed, and the case is remanded with instructions that the trial judge enter summary judgment for the plaintiffs.
Reversed and remanded.
Judge Phillips concurs.
Judge LEWIS dissents.