Mr. Xia started from scratch, and his wife, Mrs. Xia, also gave him great help in the process of starting his own business. However, despite his achievements, Mr. Xia is very worried. Because his family property is closely related to the company property and the market is unpredictable, once the company has problems, his family property is likely to bear joint liability.
Due to the entrepreneurial reality in China, it is very common for entrepreneurs to confuse home and business. However, the consequence of not distinguishing between home and enterprise is that once an entrepreneur is sentenced to bear joint and several liability for the company's debts, years of efforts may come to naught and even affect his family. In order to avoid this risk, customers can choose to set up an insurance trust.
Under the insurance trust, Mr. Xia in this case can hand over the funds to the trust company for insurance. As the trust property is independent, as long as Mr. Xia is not the only beneficiary of the trust, the creditor of the customer can't get compensation for the benefits of the policy. After the payment of the insurance money, the insurance money directly enters the trust account, and the creditor cannot request enforcement.
2. Prevent the risk of marriage change
Mr. Xiong only has a daughter in her 70 s and loves him very much. When Miss Xiong was studying abroad, she fell in love with her foreign classmate Kevin at first sight. After just two months of love, they decided to get married. Mr. Xiong is very worried about this rapid foreign love. He is worried that his daughter will meet the wrong person, and that once her daughter gets divorced in the future, her property will be divided up by outsiders. Mr. Xiong suggested to his daughter to conclude a prenuptial property agreement, which was rejected by her daughter on the grounds of affecting the feelings of husband and wife.
The divorce rate in today's society is extremely high. According to the latest data, the divorce rate in China was close to 30% in the first half of 20 17, and the divorce rate in big cities such as Beijing, Guangzhou and Shenzhen was above 35% or even close to 40%. However, the breakdown of marriage is often accompanied by the division of property. Ten million becomes a million after divorce, and the speed of wealth loss is amazing.
But this risk is not uncontrollable. Under the above circumstances, Mr. Xiong can use the insurance trust to provide conditional isolation and distribution of children's marriage risks in advance. You don't have to sign a prenuptial property agreement with your child's spouse and know it. After the establishment of the trust, the deposit does not belong to the children's joint property of husband and wife, nor does it belong to the children's personal property before or after marriage, so it has a considerable degree of confidentiality to avoid hurting the feelings of husband and wife.
In the case of harmonious marriage, the income distributed by trust can ensure the daily needs of children and their spouses. In the case of marriage change, the trust property is independent property and will not be divided as the joint property of husband and wife.
3. Professional wealth management planning
Mr. Tu has worked hard in the shopping mall for many years. Now he is not only financially free, but also his children are married. Now, Mr. Tu feels that he should enjoy his life, so he wants to quit his job and find a professional institution to take care of his wealth, take care of his family and let himself spend his old age with peace of mind.
The establishment of insurance trust can not only achieve the purpose of flexible inheritance of assets, but also realize the safe preservation and appreciation of wealth with the help of the professional ability of trust companies. In this case, Mr. Tu used an insurance trust to design a retirement plan.
On the one hand, Mr. Tu puts cash assets into a trust account, which can preserve and increase the value;
On the other hand, insurance claims funds can also obtain professional asset management services from trust companies.
The trust company will pay the agreed amount of living expenses to Mr. Tu's family every month to provide them with a high quality of life. At the same time, Mr. Tu may set up supervisors to manage and supervise the use and distribution of trust property.
4. Use insurance leverage to realize wealth inheritance.
As a bank executive, Mr. Hui has a high understanding of wealth management and inheritance. He has always been very optimistic about the family trust, but the threshold of setting up a family trust of 30 million has discouraged him.
Insurance trust combines the advantages of insurance policy and trust, and uses the leverage of insurance to realize wealth inheritance planning for their families. The threshold for establishing a family trust is usually above 30 million yuan, and the insurance trust can effectively lower the trust threshold by using the leverage of insurance or the payment method of regular payment, and reduce the financial pressure while achieving the purpose of asset inheritance.
On the recommendation of trust experts, Mr. Hui entered into an insurance trust with the function of family trust. The annual payment is 300,000 yuan, and the payment is 65,438+00 years. Mr. Hui can keep the death insurance of 8 million yuan. In case of risk, the compensation of 8 million yuan will immediately enter the family trust and be managed according to his prior agreement. Through the higher leverage of insurance, Mr. Hui realized a higher insurance coverage with less premium, which properly guaranteed the follow-up life of his loved ones.