Recently, the hit drama " Xiaomin's house " starring Zhou Xun , Huang Lei , Qin Hailu , etc. ushered in the finale.
This drama has sparked a lot of discussions about family life,
among which Insurance Trust has gone viral!
Even Sina official media couldn't help but speak out:
In "Min's Home", Li Ping played by Qin Hailu is the ex-wife of Chen Zhuo (played by Huang Lei) and Jiajia's biological mother, z
z14 Wei went bankrupt and went to jail , all assets of were seized ,
Li Ping, as the co-owner of the family assets, was not spared, all the hard work of
overnight was all in vain!
's family suddenly suffered this change, and Hong Wei has an illegitimate child,
Li Ping as a mother is not worried that she is homeless, but
is worried about whether the insurance trust established for her daughter will be affected (debt) Influence:
Fortunately, the staff's clear answer calmed Li Ping's heart:
"You can rest assured, when you set up the insurance fund family trust , the financial situation was good and the source of funds was legal. "
All assets have been seized, but the insurance trust set up for his daughter is safe . What exactly is
Insurance Trust? Is
really like the TV series said, will not be affected by bankruptcy?
N1
What is an insurance trust?
Insurance trust is a kind of family wealth management service tool.
refers to the use of insurance money or insurance policy benefit right as trust property.
sign insurance trust contract between the consignor (insurer) and the trustee (trust company). ,
When the compensation or payment conditions stipulated in the insurance contract are reached,
The insurance company will deliver the insurance money to the trustee, and the trustee will manage and use the trust property ,
z0 A type of family trust agreed to distribute to beneficiaries.
To put it simply, is to find a professional trust company,
will give him the money you buy insurance claims or make, and entrust him to take care of it for you. !
as a weapon for wealth inheritance,
insurance trust, which combines the dual advantages of insurance and family trust,
effectively reduces the threshold and cost of property inheritance. Compared with the general family trust,
needs 10 million to start. The advantage of
insurance trust is that the threshold is low, generally 1 million or more.
For example, the previous Gold Satisfaction increases the whole life insurance.
This wealth management method, can generate income ,
can distribute property to beneficiaries according to their own wishes.
as long as an insurance policy and the establishment of trust legitimate sources of funding, the establishment of a trust when
principal financial condition, regardless of their future career
is functioning smoothly, and how their life
, regardless of whether other property safety,
money inside You can give it to the person you want on time, on point, and on demand.
Why choose insurance trust? The same can increase the amount of
heritage of wealth compared to a lifetime annuity and life insurance,
Life Insurance Trust advantage in terms of heritage assets and wealth isolation,
mainly in the following 5 a aspects:
1, not "vote is by" Relationship restrictions
Annuity insurance or increased whole life insurance has strict restrictions on the relationship between the policyholder, the insured and the beneficiary,
The beneficiary of the insurance trust is very loose, unborn children, people who have not specified the specific and only determined the scope can be as a beneficiary.
2, asset security isolation
Once the trust property is established, even if the client faces bankruptcy and liquidation court, there is no compulsory recovery effect, which is safer than increased life insurance.
3, flexibly arranging beneficiary funds
Insurance trusts can be passed throughSet flexible distribution conditions to play a positive role in guiding beneficiaries.
For example, after the beneficiary reaches the age of 35, the beneficiary can start to receive the benefit.
4、Trust can prevent the risk of bankruptcy of.
and if the beneficiary is a trust, because the trust property is independent, it can perfectly solve the problem of prodigal sons.
For example, Hong Kong superstar Anita Mui set up a trust in order to prevent her mother from gambling and ruining her family, and paid her mother Tan US$ 70,000 every month for living expenses until she died.
5, insurance management
trust companies have professional asset management team,
available for professional management of insurance,
achieve a reasonable investment and re-allocation of insurance premiums.
N3
is written at the end
In general, the assets that enter the insurance trust have the highest security, but
has obvious shortcomings, so after sending the money to the trust company, the security is the highest.
Starting a business is easy and maintaining a business is difficult, and inheritance of wealth requires more intelligent choices.
Therefore, whether to set up a trust fund or not,
still have to make a corresponding choice according to their own situation.
