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Second-To-Die Policy in Seneca, SC and Clemson, SC

ENSURE THE FUTURE OF YOUR ESTATE

Between physical assets and financial successes, there are many things that married couples share. Chudyk Financial Services and Insurance Group knows that couples today can accumulate wealth and assets that can mean 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 Chudyk Financial Services and Insurance Group 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 may also enjoy a lower premium, and the total cost of the insurance may 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 Chudyk Financial Services and Insurance Group 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.

NFW-7753AO (02/18)

Our Location

Chudyk Financial Services and Insurance

932 By Pass 123
Seneca, SC 29678
Main office: 864-606-3589
Fax: 864-882-1045

Our Providers

Testimonials

I have been with Nationwide since I was in my 20's and I have been well pleased with every aspect. I look forward to many more years to come.

kdrhodes
Very pleased with my service. Great customer service, easy to work with, overall a great experience!

MVance
We needed to get rental insurance while we built our new home. Chuck was quick, knowledgeable, and very helpful with our needs.

Juliekdrn
David and his staff have been great in assisting in every way! Always available and very knowledgeable about any situation.

GalinaH
All insurance companies pretty much have the same products to offer. What sets this agency apart is the unsurpassed customer service. The ENTIRE staff including David himself make you feel like you are their ONLY customer. I chose this agency not because their prices were lower but because of the service I received. I have been with this agency going on 2 years and the level of service has never changed. This tells me they not only wanted my business they want to keep my business. If you are looking for auto/home/life insurance or financial services, do yourself a favor and give this agency a shot, you won't be sorry!

SCGirl
These guys know that sometimes you meet with rough edges in life and they never falter to assist with giving me the proper information on any changes or new savings I might get. Would not switch to another store if you PAID me too!! Always friendly, Always provides a solution to any problem!

ZoesMama
I have been with Nationwide since 1998. With David Chudyk for many years since my original agent retired. I have been extremely happy with this agent and his staff. They are very nice, professional and always help me any way they can. Customer for life.

Sheryl2112
David researched an insurance question for me and provided a thorough answer. When I responded with an additional question, David politely instructed me where to find that information in the material he had already provided. Quite kind and patient and clearly knew what I needed. In addition, he was able to respond at a time that was definitely beyond the bounds of the normal business day. Thanks . . .

henryj
5/5 great service. nice to get someone on the phone when you need to.

Daniel321
eveybody is so nice and welcoming at the david chudyk agency , i would recommend him to anyone and everyone !! the front desk girl cassie if very nice and always does what she can to help .

Anonymous
My husband recently had some issues, as a result of an error with the Virginia Dept of Motor Vehicles. The issue was clearly their fault. My husband showed up at David Chudyk's office after hours and Mr. Chudyk opened the office back up to help him. It took over 3 weeks to have the issue resolved, but Mr. Chudyk and his staff faxed, refaxed and refaxed again the paperwork that they needed as well as made numerous phone calls. I appreciate David Chudyk and his staff for helping my husband straighten this issue out. I feel that they went above and beyond for us.

jagibson
During an exhausting search for a better price with my clients insurance for Business and personal. I was extremely aware that David was not only considerate but helpful in guiding me to the right coverage at the best possible pricing.. He has went beyond any other agent in my past 25 years has done to ensure that this office and my clients personal coverage was not only what the required but what they needed. In a world of law suits coming for all directions having someone to guide you in what is necessary is what I call above the bar service. Also I am in Cashiers NC and he had no problem servicing our needs from his Seneca SC business office. I plan to let everyone know what an excellent individual / company he is to work with! Again. Thank You David and staff.

Rice
This is.one of the best offices aroun they are very nice and helpfull. I would recomend this for anybody:D

Evan
I have worked with David over the last year. He has shown me that his main goal is to provide excellent service and adequate coverage to his clients. Recently, I spoke with a current customer of David's who spoke very highly of David's consultative selling approach. In fact, he said that he knows David will always take care of him and make sure he has all the coverages he needs, no more and no less.

Anonymous
David and staff are always responsive to my requests for information and policy changes. My preferred channels of communication are email, phone, and text message, but usually not an office visit. The Chudyk agency has always responded to my requests and needs in a timely manner regardless of which method of communication I use to contact them. Thus far, my experience with Nationwide and the Chudyk Agency have been positive.

sburrell