Common wealth management products include wealth management products, stocks and insurance policies. Let's talk about how these are put into the family trust first, and then bring others.
Shares, bonds, these are common things to set up family trusts, and they are generally people in family businesses.
In order to avoid the loss or dispersion of shares due to the divorce and death of natural person shareholders, the equity of general family businesses will be loaded into the trust.
Creditor's rights refer to the transfer of creditor's rights by the principal to the trustee, who manages and disposes of these creditor's rights.
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In commercial insurance, there are many types of insurance with death insurance, especially life insurance policies, and the amount of insurance will be higher;
Generally speaking, if the death insurance does not specify the beneficiary;
Then after the death of the insured, the death insurance money will be distributed according to the legal beneficiary.
The procedure for legal beneficiaries to receive death insurance benefits is much more complicated than that for designated beneficiaries, and it cannot be given to relatives who want to inherit according to the wishes of the insured.
For people with high death insurance premium, there is another choice besides the beneficiary or legal beneficiary stipulated in the policy contract itself.
That is, you have to appoint an heir, and you are worried that ta will be hurt by other family members because of this insurance money or because ta itself is unable to handle this money.
Then you can specify that the death insurance money be put into the trust and given to the beneficiary in the way agreed with the trust company.
Some life insurance or annuity insurance will also provide trust services, but it is still relatively rare.
Simple and rude understanding is: you pay, others help you watch the operation and help you earn more money.
As for the insurance policy, this is Dad's home. You can ask Dad for any insurance-related questions.
The rest, such as real estate, real estate, antiques and so on. , can be put into the family trust, so it will not be developed here.