人寿保险是争议最少的财富传承方式
<p style="white-space: normal;"></p><section powered-by="xiumi.us" style="white-space: normal;max-width: 100%;background-color: rgb(255, 255, 255);box-sizing: border-box !important;word-wrap: break-word !important;"><section style="max-width: 100%;text-align: center;box-sizing: border-box !important;word-wrap: break-word !important;"><section style="font-size: 16px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="line-height: 24px;">TOP论坛金牌讲师 <span style="color: rgb(0, 122, 170); letter-spacing: 1.5px; text-indent: 37px;"> 张琴英</span></p></section><p style="line-height: 24px;"><span style="color: rgb(0, 122, 170);letter-spacing: 1.5px;text-indent: 37px;"></span></p><p><span style="background-color: rgb(255, 255, 255);">法定继承 遗嘱继承 </span><span style="color: rgb(0, 122, 170);letter-spacing: 1.5px;text-indent: 37px;">指定继承</span></p><p><span style="text-indent: 37px;font-size: 16px;">共计</span><span style="text-indent: 37px;font-size: 16px;color: rgb(0, 122, 170);letter-spacing: 1.5px;"> 2718 </span><span style="text-indent: 37px;font-size: 16px;">字 建议阅读时间：</span><span style="text-indent: 37px;font-size: 16px;color: rgb(0, 122, 170);letter-spacing: 1.5px;">6</span><span style="text-indent: 37px;font-size: 16px;color: rgb(0, 122, 170);"><span style="letter-spacing: 1.5px;"> </span></span><span style="text-indent: 37px;font-size: 16px;">分钟</span></p><section style="font-size: 16px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><p style="line-height: 24px;"><br></p></section><section style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><hr style="font-size: 16px;color: rgb(62, 62, 62);max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><section style="box-sizing: border-box;"><section class="Powered-by-XIUMI V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section style="padding: 10px;display: inline-block;width: 556px;border-width: 2px;border-style: dotted;border-color: rgb(192, 200, 209);border-radius: 0.7em;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;text-align: right;"><section style="box-sizing: border-box;"><p style="line-height: 24px;"><span style="line-height: 24px;font-family: 宋体;"></span></p></section><p style="color: rgb(62, 62, 62);text-align: left;"><span style="background-color: rgb(255, 255, 255);">有人感叹创业难，守业更难，财富传承的规划不仅要早做，而且要经得起生死的考验、经得起婚姻的磨炼、经得起接班人折腾。</span></p></section></section></section></section></section></section></section></section></section><section style="background-color: rgb(255, 255, 255);box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">十多年前，相声大师侯耀文突发心脏病去世了，因为没有留下只言片语，没有做任何的遗产规划，所以导致他的两个女儿还有他的哥哥，以及他的徒弟之间出现旷日持久的争产案，长达四年多才达成和解。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;">土豆网王微准备在2010年要冲击纳斯达克，就在他准备敲钟的关键时期，他妻子提出离婚，导致酝酿多年的土豆网上市计划泡汤，错过了最好的上市时机，后来被优酷吞并。</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">海翔药业董事长罗邦鹏，用了40年，将一家乡镇企业经营成上市公司，但儿子罗煜竑只花了不到4年，就将企业控制权拱手让人，令人扼腕。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">所以，有人感叹创业难，守业更难，财富传承的规划不仅要早做，而且要经得起生死的考验、经得起婚姻的磨炼、经得起接班人折腾。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">那么，如何用法律的手段确定争议最少的财富传承方式？其实，可以运用人寿保险来解决。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;margin-bottom: -0.9em;box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;border-right: 0.4em solid rgb(147, 54, 29);border-top: 0.4em solid rgb(147, 54, 29);max-width: 5% !important;border-bottom: 0.4em solid transparent !important;border-left: 0.4em solid transparent !important;box-sizing: border-box;"></section><section class="" style="display: inline-block;vertical-align: top;border-radius: 5px 5px 0px 0px;background-color: rgb(241, 54, 63);padding: 2px 5px;font-size: 24px;line-height: 1.2em;color: rgb(255, 255, 255);max-width: 90% !important;box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">1</p></section><section style="display: inline-block;vertical-align: bottom;border-top: 0.4em solid rgb(147, 54, 29);border-left: 0.4em solid rgb(147, 54, 29);max-width: 5% !important;border-right: 0.4em solid transparent !important;border-bottom: 0.4em solid transparent !important;box-sizing: border-box;"></section></section><section class="" style="height: 0.9em;border-top: 3px solid rgb(0, 0, 0);width: 100%;box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="text-align: center;box-sizing: border-box;"><strong style="box-sizing: border-box;">三个继承渠道</strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">说到财富传承，一般有三个财产继承途径：法定继承、遗嘱继承、指定继承。分析如下：</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin: 10px 0%;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;width: 12%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 3px;margin-bottom: 3px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(253, 198, 32);background-color: rgb(253, 198, 32);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 18px;box-sizing: border-box;"><p style="box-sizing: border-box;">01</p></section></section></section></section><section class="" style="display: inline-block;vertical-align: bottom;width: 88%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;"><section class="" style="display: inline-block;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;border-bottom: 1px dashed rgb(175, 175, 175);margin-bottom: 0.25em;padding-left: 5px;padding-right: 5px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">法定继承</strong></p></section><section style="display: inline-block;vertical-align: bottom;width: 0.5em;height: 0.5em;border-radius: 50%;background-color: rgb(253, 198, 32);box-sizing: border-box;"></section></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;">《继承法》第十条 遗产按照下列顺序继承：</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">第一顺序：配偶、子女、父母。</p><p style="box-sizing: border-box;">第二顺序：兄弟姐妹、祖父母、外祖父母。</p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">特点：</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">必须顺序继承，没有第一顺序继承人继承的，才由第二顺序继承人继承</p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">缺点：</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">不能把财富给想给的人。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin: 10px 0%;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;width: 12%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 3px;margin-bottom: 3px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(253, 198, 32);background-color: rgb(253, 198, 32);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 18px;box-sizing: border-box;"><p style="box-sizing: border-box;">02</p></section></section></section></section><section class="" style="display: inline-block;vertical-align: bottom;width: 88%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;"><section class="" style="display: inline-block;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;border-bottom: 1px dashed rgb(175, 175, 175);margin-bottom: 0.25em;padding-left: 5px;padding-right: 5px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;"> <span style="letter-spacing: 0px;box-sizing: border-box;">遗嘱继承</span></strong></p></section><section style="display: inline-block;vertical-align: bottom;width: 0.5em;height: 0.5em;border-radius: 50%;background-color: rgb(253, 198, 32);box-sizing: border-box;"></section></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">《继承法》第十六条 公民可以依照本法规定立遗嘱处分个人财产，并可以指定遗嘱执行人。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="color: rgb(0, 122, 170);box-sizing: border-box;">一般遗嘱分为口头遗嘱、书面遗嘱。书面遗嘱又分为公证遗嘱和非公证遗嘱。</span>口头遗嘱除非是事出紧急、书面形式来不及的情况下，立遗嘱者可在两个以上非利害关系人的见证下方可采用，且紧急事件一消失，就应当立即以书面形式加以确认，当然排除立遗嘱人已死亡的情况。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">书面遗嘱中的公证遗嘱是指立遗嘱人在公证机关的公证下所立的遗嘱，是效力最高的遗嘱，基本不用其他证人和证据加以证明。另外一种遗嘱，虽然是书面形式，但未经公证机关公证，这种遗嘱同样有法律效力，但是如果同时存在两份内容不同的遗嘱，则该类遗嘱在效力上无法与公证遗嘱对抗，一定是公证遗嘱有效，而该非公证遗嘱无效。</p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">特点</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">被继承人生前掌握财富控制权，对身后遗产继承有安排；</p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">缺点</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">遗嘱效力难把握，不完全规避纠纷 </p><p style="box-sizing: border-box;">继承后的去向问题难控制</p><p style="box-sizing: border-box;">难以规避继承税费</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin: 10px 0%;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;width: 12%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 3px;margin-bottom: 3px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(253, 198, 32);background-color: rgb(253, 198, 32);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 18px;box-sizing: border-box;"><p style="box-sizing: border-box;">03</p></section></section></section></section><section class="" style="display: inline-block;vertical-align: bottom;width: 88%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;"><section class="" style="display: inline-block;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;border-bottom: 1px dashed rgb(175, 175, 175);margin-bottom: 0.25em;padding-left: 5px;padding-right: 5px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">指定继承</strong></p></section><section style="display: inline-block;vertical-align: bottom;width: 0.5em;height: 0.5em;border-radius: 50%;background-color: rgb(253, 198, 32);box-sizing: border-box;"></section></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">《保险法》第19条：受益人是指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="width: 100%;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);box-sizing: border-box;"><section style="width: 50px;height: 4px;background-color: rgb(0, 122, 170);box-sizing: border-box;"></section></section><section class="" style="margin-top: -4px;padding: 10px;background-color: rgb(239, 239, 239);box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;">人寿保险合同中的受益人具有如下特点：</p><p style="box-sizing: border-box;">1、由投保人或被保险人明确指定的，可多人、按顺序与比例继承；</p><p style="box-sizing: border-box;">2、受益人变更可随时调整，无成本；</p><p style="box-sizing: border-box;">3、兼具保障、防挥霍、遗嘱与信托等功能；</p><p style="box-sizing: border-box;">4、指定受益人无须为被保险人还债，保险金一般不属于遗产，节约继承税费。</p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">我们再来看一下常规继承与人寿保险指定继承的对比图就更加清晰了：</p><p style="box-sizing: border-box;"><br></p><p style="box-sizing: border-box;"><span style="font-size: 14px;font-family: Calibri;"></span></p><p><img data-s="300,640" data-type="png" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9icC1FpvLVOQeD1FSEyEKbJeQM2n1zM8WkibD04k5jn5ibvuG26ygQrIuA%2F0%3Fwx_fmt%3Dpng" style="width: 100%;height: auto;" class="" data-ratio="0.6984815618221258" data-w="461" data-backw="461" data-backh="322"></p><p style="box-sizing: border-box;"><span style="font-size: 14px;font-family: Calibri;"></span> <br></p><p style="box-sizing: border-box;">法定继承在执行时是要求所有有继承权的人到场，确认继承份额和比例，有一个人没到场都不行，所以传承时效很慢很慢，如果涉及到诉讼，那拖个几年是很正常的事了，到最后诉讼标的能够实现，钱能够执行回来，财产继承到自己的名下，真的很难。不像寿险保单，只要理赔材料准备齐全了，7个工作日就把赔款打到受益人账上了。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">这里，我给大家讲一个真实的案例：</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">一天，我突然接到Z女士的电话，她是我十多年的客户，说：你得帮我个事。我老公住院了，昏迷不醒，你之前做过律师，懂法，过来帮老罗立个遗嘱吧。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">她先生51岁，身体一直很好，以前没住过院，最近一直咳嗽、低烧，以为是普通感冒，当一般的病去治了，结果分别住了几次院，总是反复，这第三次住院的时候就高烧不退了。让我去的时候，他已经在重症监护室待了好多天了，高烧46.2度，每天花费两三万块钱，人还是半昏迷状态，根本没办法立遗嘱。过了几天，我再接到电话时，人已经走了。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">婚姻中，他俩各自经济比较独立，Z女士连她先生的存款多少、密码多少都不知道。她先生早年是央企的高管，后来下海了，是一家新三板上市公司的前十大股东。儿子大学快毕业了，准备去美国读研究生，已经申请下来了。她先生还有一个老母亲80多岁，有一个妹妹常年在国外定居。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">在可继承的遗产中，还有一份她先生的老父亲去世时留下的两套房产一直处于纠纷中没有处理好。老太太84岁了，虽然脑子很清楚，但是有的时候想明白了，有的时候女儿一劝又变了。80岁以上的人，虽然行为能力意识都是清楚的，但必须得有她的法定监护人，也就是说因为她的儿子不在了，只有她的女儿，所以，必须得由她的女儿来帮她一起办手续才行。就这样，新账旧账叠加在一起，两三年了还理不清。因为只要有一个人不配合就没法执行。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">这种遗产纠纷案太多了，我一个朋友在北京挺好的一个地段有一栋别墅就在风景区，二环边上，已经是值1个多亿了，但是到现在没法分配。这房子是他父亲八几年的时候出钱盖的，他们兄弟姐妹四个，各家都有孩子，现在有的孩子在国内，有的在国外，有的在北京，有的在外省，涉及20多个继承人，中间某一个环节只要有一个人反对，或者是他不到场，不表示放弃没有别的手段的话，这财产是没法分配的。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">还好，Z女士的先生在我这里买过一份保额50万的重大疾病保险，受益人是Z女士，理赔材料交上去两三天就收到赔款了。所以，我就在想，<span style="color: rgb(0, 122, 170);box-sizing: border-box;">寿险最大的一个好处，就是一个字“快”——赔付快、执行快、到账快，没有争议。</span></p><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;margin-bottom: -0.9em;box-sizing: border-box;"><section style="display: inline-block;vertical-align: bottom;border-right: 0.4em solid rgb(147, 54, 29);border-top: 0.4em solid rgb(147, 54, 29);max-width: 5% !important;border-bottom: 0.4em solid transparent !important;border-left: 0.4em solid transparent !important;box-sizing: border-box;"></section><section class="" style="display: inline-block;vertical-align: top;border-radius: 5px 5px 0px 0px;background-color: rgb(241, 54, 63);padding: 2px 5px;font-size: 24px;line-height: 1.2em;color: rgb(255, 255, 255);max-width: 90% !important;box-sizing: border-box;"><p style="box-sizing: border-box;">part</p><p style="box-sizing: border-box;">2</p></section><section style="display: inline-block;vertical-align: bottom;border-top: 0.4em solid rgb(147, 54, 29);border-left: 0.4em solid rgb(147, 54, 29);max-width: 5% !important;border-right: 0.4em solid transparent !important;border-bottom: 0.4em solid transparent !important;box-sizing: border-box;"></section></section><section class="" style="height: 0.9em;border-top: 3px solid rgb(0, 0, 0);width: 100%;box-sizing: border-box;"></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="text-align: center;box-sizing: border-box;"><strong style="box-sizing: border-box;">运用保险传承财富的好处</strong></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;">运用保险实现传承财富，较少争议，我们总结一下，它有两个好处：</span><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin: 10px 0%;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;width: 12%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 3px;margin-bottom: 3px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(253, 198, 32);background-color: rgb(253, 198, 32);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 18px;box-sizing: border-box;"><p style="box-sizing: border-box;">01</p></section></section></section></section><section class="" style="display: inline-block;vertical-align: bottom;width: 88%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;"><section class="" style="display: inline-block;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;border-bottom: 1px dashed rgb(175, 175, 175);margin-bottom: 0.25em;padding-left: 5px;padding-right: 5px;box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">符合传承者的主观意愿</strong></p></section><section style="display: inline-block;vertical-align: bottom;width: 0.5em;height: 0.5em;border-radius: 50%;background-color: rgb(253, 198, 32);box-sizing: border-box;"></section></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">财富分配，掌控权还在自己的手里，避免子女过早拿到巨额财富，过度挥霍。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;">防范子女婚姻风险，保护继承者的受益权，避免财富改姓。</p><p style="box-sizing: border-box;"><span style="letter-spacing: 0px;box-sizing: border-box;"><br style="box-sizing: border-box;"></span></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin: 10px 0%;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;width: 12%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 3px;margin-bottom: 3px;text-align: center;box-sizing: border-box;"><section class="" style="display: inline-block;border-width: 1px;border-style: solid;border-color: rgb(253, 198, 32);background-color: rgb(253, 198, 32);width: 1.8em;height: 1.8em;line-height: 1.8em;border-radius: 100%;margin-left: auto;margin-right: auto;font-size: 18px;box-sizing: border-box;"><p style="box-sizing: border-box;">02</p></section></section></section></section><section class="" style="display: inline-block;vertical-align: bottom;width: 88%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-right: 0%;margin-bottom: 5px;margin-left: 0%;box-sizing: border-box;"><section class="" style="display: inline-block;box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: bottom;border-bottom: 1px dashed rgb(175, 175, 175);margin-bottom: 0.25em;padding-left: 5px;padding-right: 5px;box-sizing: border-box;"><p style="box-sizing: border-box;">确保传承财富的完整性</p></section><section style="display: inline-block;vertical-align: bottom;width: 0.5em;height: 0.5em;border-radius: 50%;background-color: rgb(253, 198, 32);box-sizing: border-box;"></section></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">确定性</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">保险金额是确定的，受益人是确定的，保险责任是确定的，发生保险事故，该怎么赔都在合同里明确写着，该给谁多少，也都明确写着，你说这100万是谁的就是谁的，你说那1000万是谁的就是谁的，这个钱数一分不少地会给到你想给到的人手里，还能按你的意愿一次性给，或是分期给付，确保私人财富安全永续传承。</p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="display: inline-block;vertical-align: top;width: 8%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="text-align: center;margin-top: 10px;margin-bottom: 10px;box-sizing: border-box;"><section class="" style="max-width: 100%;vertical-align: middle;display: inline-block;width: 50%;overflow: hidden !important;box-sizing: border-box;"><img src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9jDF1hO8ibUHCn7Bx2Tib1INRVb3uQGKErqIZjhIPgBz9Xs1MCqTKJQyA%2F0%3Fwx_fmt%3Dpng" style="vertical-align: middle;width: 100%;box-sizing: border-box;" data-ratio="1.1445783" data-w="83" width="100%" data-type="png"></section></section></section></section><section class="" style="display: inline-block;vertical-align: top;width: 92%;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 12px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;"><section class="" style="box-sizing: border-box;"><p style="box-sizing: border-box;"><strong style="box-sizing: border-box;">无税费</strong></p></section></section></section></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="line-height: 2;padding-right: 10px;padding-left: 10px;box-sizing: border-box;"><p style="box-sizing: border-box;">保险理赔款一般没有税费的问题，可以百分百传承。</p><p style="box-sizing: border-box;"> </p></section></section></section><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="margin-top: 10px;margin-bottom: 10px;text-align: center;box-sizing: border-box;"><section class="" style="box-sizing: border-box;width: 7em;height: 7em;display: inline-block;vertical-align: bottom;border-radius: 100%;border-width: 5px;border-style: solid;box-shadow: rgb(204, 204, 204) 1px 1px 2px;border-color: white;background-image: url(" https:="" lymx.com.cn="" source="" plugin="" csdn123_news="" display_picture.php?url="http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9RKZxRW9IcWfZzbmbth6FUXmR35IRh2ZiaIibzhKlAsYQ9STOMTrAOpjw%2F0%3Fwx_fmt%3Djpeg");background-position:" center="" center;background-repeat:="" no-repeat;background-size:="" cover;"=""><section class="" style="width: 100%;height: 100%;overflow: hidden;box-sizing: border-box;"><img class="" style="width: 100%;height: 100%;opacity: 0;box-sizing: border-box;" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FYIPxibnWBQkicAc6mYlic98iaib28rBdX8YL9RKZxRW9IcWfZzbmbth6FUXmR35IRh2ZiaIibzhKlAsYQ9STOMTrAOpjw%2F0%3Fwx_fmt%3Djpeg" data-ratio="1" data-w="164" width="100%" data-type="jpeg"></section></section><section class="" style="border-color: rgb(0, 122, 170);padding-left: 10px;padding-right: 10px;padding-bottom: 10px;border-style: dotted;border-width: 2px;border-radius: 0.3em;margin-top: -3em;box-sizing: border-box;"><section class="Powered-by-XIUMI V5" style="box-sizing: border-box;" powered-by="xiumi.us"><section class="" style="box-sizing: border-box;"><section class="" style="text-align: left;padding-top: 3.5em;padding-bottom: 15px;box-sizing: border-box;"><p style="box-sizing: border-box;">对比之后，我们发现，<span style="color: rgb(0, 122, 170);box-sizing: border-box;">财富传承是具有一定“风险”的技术活儿。</span>如果我们没有通过法律的手段来提前安排自己的财富，一旦发生风险时，就会产生你所不愿看到的家族矛盾激化和财产损失的恶果。运用人寿保险这个争议最少的财富传承方式，可以让不确定的未来变得确定而美好！</p></section></section></section></section></section></section></section><section style="white-space: normal;background-color: rgb(255, 255, 255);box-sizing: border-box;"><section class="Powered-by-XIUMI V5" powered-by="xiumi.us" style="box-sizing: border-box;"><section style="box-sizing: border-box;"><section style="box-sizing: border-box;"><p style="font-size: 16px;color: rgb(20, 32, 246);text-align: center;box-sizing: border-box;"><strong style="letter-spacing: 1.5px;text-indent: 32px;color: rgb(62, 62, 62);max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;">- END -</strong></p></section></section></section></section><p class="p1" style="font-size: 16px;white-space: normal;background-color: rgb(255, 255, 255);color: rgb(20, 32, 246);text-align: center;"><em><span style="text-indent: 32px;max-width: 100%;color: rgb(63, 63, 63);letter-spacing: 1.5px;text-align: justify;box-sizing: border-box !important;word-wrap: break-word !important;"><br></span></em></p><p class="p1" style="font-size: 16px;white-space: normal;background-color: rgb(255, 255, 255);color: rgb(20, 32, 246);"><br></p>
页:
[1]