巧用保单设计 防范潜在风险
<br><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;line-height: 30.2222px;text-align: justify;white-space: normal;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="margin-top: 20px;margin-bottom: 20px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;display: inline-block;width: 643.142px;vertical-align: top;box-shadow: rgb(158, 158, 158) 0px 0px 4px;word-wrap: break-word !important;"><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="margin-bottom: -7px;max-width: 100%;box-sizing: border-box;word-wrap: 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!important;"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;display: inline-block;width: 643.142px;vertical-align: top;word-wrap: break-word !important;"><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="margin-top: 15px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="padding-right: 30px;padding-left: 30px;max-width: 100%;box-sizing: border-box;text-align: justify;color: rgb(102, 102, 153);line-height: 2;letter-spacing: 1px;word-wrap: break-word !important;"><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;text-align: center;word-wrap: break-word !important;"><strong style="color: rgb(255, 76, 0); font-size: 16px;"><span style="line-height: 150%; font-family: 微软雅黑;">巧用保单设计 防范潜在风险</span></strong></p></section></section></section></section></section></section></section></section></section><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;line-height: 30.2222px;text-align: justify;white-space: normal;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;color: rgb(160, 160, 160);line-height: 2;word-wrap: break-word !important;"><section data-role="outer" label="Powered by 135editor.com" style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;color: rgb(51, 51, 51);font-style: normal;font-variant: normal;font-weight: normal;letter-spacing: 0.544000029563904px;orphans: auto;text-align: justify;text-indent: 0px;text-transform: none;white-space: normal;widows: 1;word-spacing: 0px;-webkit-text-stroke-width: 0px;font-size: 16px;font-family: 微软雅黑;background-color: rgb(255, 255, 255);"><section data-role="paragraph" style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><section class="" data-tools="135编辑器" data-id="92586" data-color="#e2561b" data-custom="#e2561b" style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;border-color: currentcolor;border-style: none;border-width: 0px;"><section style="margin: 0px;padding: 10px 0px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section data-width="100%" style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;width: 677px;border-top-width: 2px;border-top-style: dotted;border-top-color: rgb(226, 86, 27);border-bottom-width: 2px;border-bottom-style: dotted;border-bottom-color: rgb(226, 86, 27);"><p style="margin: -20px 0px 0px;padding: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;width: 35px;background: rgb(255, 255, 255) none repeat scroll 0% 0%;line-height: 2em;"><img class="" data-ratio="1" data-type="png" data-w="50" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FlZxHD0FZlMjKxDYATEF0Tm6AknEOOeadrHrlFzIZ4JbibfApnLACDFSoPDSqNFDR1BSicOFlQ7IlkhgQeqODGPCQ%2F640%3Fwx_fmt%3Dpng" style="margin: 0px 0px 0px -5px;padding: 0px;height: auto !important;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;width: 35px;visibility: visible !important;"></p><p style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;font-size: 15px;color: rgb(226, 86, 27);text-align: justify;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;"> 2018年11月中信银行私人银行与胡润研究院联合发布了《2018中国企业家家族传承白皮书》，这份白皮书聚焦了中国超高净值人士对于家族传承的需求与趋势。伴随着社会及国民财富的积累，对财富传承及延续的需求已经越来越迫切，而对资产的管理和规划正是家族传承的主要内容。</span></p><p style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;font-size: 15px;color: rgb(226, 86, 27);text-align: justify;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;"> 在财富传承的过程中，富一代常常会遇到子女挥霍导致财富不保、财产分配不均导致纠纷不断、婚变危机影响财富的积累、高额税负导致资产缩水等诸多问题，那么如何才能有效的保住家族财富，保护家族企业的基业长青呢？财富管理工具有很多，像遗嘱、赠予、保险及信托，我们需要根据需求，选择合适的资产管理工具进行资产的规划和安排。</span></p><section style="margin: 0px;padding: 0px;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;display: flex;justify-content: flex-end;"><section style="margin: 0px 0px -16px;padding: 0px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;width: 35px;background: rgb(255, 255, 255);"><img class="" data-ratio="1" data-type="png" data-w="50" data-width="100%" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FlZxHD0FZlMjKxDYATEF0Tm6AknEOOeadcv6VwSFq8iaVichuQpstaAw1BmlGm0fP8pXgZfyQhC5IpvmxcYvp03zA%2F640%3Fwx_fmt%3Dpng" style="margin: -13px 0px 0px 5px;padding: 0px;height: auto !important;max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;width: 35px;visibility: visible !important;"></section></section></section></section></section></section></section></section></section></section><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;line-height: 30.2222px;text-align: justify;white-space: normal;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="margin-top: 20px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word !important;"><section style="padding-right: 10px;padding-left: 10px;max-width: 100%;box-sizing: border-box;display: inline-block;min-width: 10%;vertical-align: top;word-wrap: break-word !important;"><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="padding: 3px 10px 6px;max-width: 100%;box-sizing: border-box;display: inline-block;min-width: 10%;vertical-align: top;border-width: 1px;border-radius: 0px;border-style: solid none;border-color: rgb(102, 102, 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20px;word-wrap: break-word !important;"><svg xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 168.9 125.4" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><g style="box-sizing: border-box;"><path d="M96.7,62.7V9.3c0-5.2,4.3-9.3,9.3-9.3h53.4c5.2,0,9.5,4.1,9.5,9.3v53.4c0,34.6-28.2,62.7-62.8,62.7 c-5.1,0-9.3-4.1-9.3-9.3c0-5.2,4.3-9.3,9.3-9.3c21.1,0,38.8-14.9,43.1-34.7h-43.1C101,72.1,96.7,67.9,96.7,62.7z" fill="rgb(102,102,153)" style="box-sizing: border-box;"></path><path d="M0,62.7V9.3C0,4.1,4.3,0,9.3,0h53.4c5.2,0,9.5,4.1,9.5,9.3v53.4c0,34.6-28.2,62.7-62.8,62.7 c-5.1,0-9.3-4.1-9.3-9.3c0-5.2,4.3-9.3,9.3-9.3c21.1,0,38.8-14.9,43.1-34.7H9.3C4.3,72.1,0,67.9,0,62.7z" fill="rgb(102,102,153)" style="box-sizing: border-box;"></path></g></svg><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></section></section></section></section></section></section></section></section></section></section></section></section><p style="text-align: center;text-indent: 28px;line-height: 2em;"><strong style="color: rgb(255, 104, 39);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 16px;letter-spacing: 0.544px;line-height: 34px;text-align: justify;text-indent: 32px;white-space: normal;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><span style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;">下面我们先来看一则案例：</span></strong></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">黄女士是一位女性企业家，再婚，和前夫育有一女，女儿目前已结婚。现任丈夫带着一个儿子，目前吴女士自有房产12套，都登记在黄女士个人名下，大部分为婚后购买。金融资产2000万元左右，大部分都放在银行做理财。自营一家公司，估价1000万左右。由于黄女士已经有过一次失败的婚姻，所以这一次黄女士想要给自己的资产做一个合理的安排，想把更多的财产留给自己的女儿和将来的外孙，但是黄女士咨询过律师，目前按照她的一个资产状况，基本上所有的财产都属于夫妻共同财产，需要对资产进行一个规划和安排。下面我们来看一下如何利用保险来对黄女士的婚姻资产进行规划。</span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">首先，黄女士可以将自己作为投被保人，被保险人为自己的子女。对于这样的保单，以子女为被保人的，一旦发生婚姻风险，需要进行财产分割时，这部分资产一般不会被纳入到夫妻共同财产，在实践中法院倾向不分割的情况比较多。</span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">其次，黄女士还可以供买一份重大疾病保险。这一类的保单特点在于，现金价值低但保障高，即便将来因婚变需要分割，黄女士只需要补充对方现金价值的一半，就可以保全这份保单。而且如果一旦发生赔付，重大疾病保险赔偿金属于婚内个人财产，具有人身专属性。</span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">最后，黄女士也可以购买一份高额终身寿险，并设立保险金信托。这类的保单，保单缴费期内的现金价值极低，缴纳完成以后现金价值也不高，如果要面临分割，也同样只需要补偿给配偶一半的现金价值，即可保全保单。如果将来发生赔付后，保险金会直接进入信托，这个信托账户能够根据黄女士的个人意愿来自主选择的，可以进行灵活安排与分配。通过信托可以规避女儿的婚变导致的风险，还可以防止女儿挥霍风险，甚至可以对外孙子女的成长费用作出相应的规划安排。</span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">通过上述三份保单，黄女士可以合理合法的保全自己的资产，可以保证自己的生活品质，以及保证将来的养老和医疗品质，防止子女对财富挥霍的风险及子女婚变危机的分割风险，可谓一举数得，是值得借鉴的。</span></p><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;line-height: 30.2222px;text-align: justify;white-space: normal;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section 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powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="margin-top: -5px;margin-bottom: -20px;max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="padding-right: 5px;padding-left: 5px;max-width: 100%;box-sizing: border-box;display: inline-block;width: 30px;height: 30px;vertical-align: top;overflow: hidden;word-wrap: break-word !important;"><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;width: 20px;word-wrap: break-word !important;"><svg xmlns="http://www.w3.org/2000/svg" x="0px" y="0px" viewBox="0 0 168.9 125.4" style="vertical-align: middle;max-width: 100%;box-sizing: border-box;" width="100%"><g style="box-sizing: border-box;"><path d="M96.7,62.7V9.3c0-5.2,4.3-9.3,9.3-9.3h53.4c5.2,0,9.5,4.1,9.5,9.3v53.4c0,34.6-28.2,62.7-62.8,62.7 c-5.1,0-9.3-4.1-9.3-9.3c0-5.2,4.3-9.3,9.3-9.3c21.1,0,38.8-14.9,43.1-34.7h-43.1C101,72.1,96.7,67.9,96.7,62.7z" fill="rgb(0,102,153)" style="box-sizing: border-box;"></path><path d="M0,62.7V9.3C0,4.1,4.3,0,9.3,0h53.4c5.2,0,9.5,4.1,9.5,9.3v53.4c0,34.6-28.2,62.7-62.8,62.7 c-5.1,0-9.3-4.1-9.3-9.3c0-5.2,4.3-9.3,9.3-9.3c21.1,0,38.8-14.9,43.1-34.7H9.3C4.3,72.1,0,67.9,0,62.7z" fill="rgb(0,102,153)" style="box-sizing: border-box;"></path></g></svg><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"><br style="max-width: 100%;box-sizing: border-box !important;word-wrap: break-word !important;"></section></section></section></section></section></section></section></section></section></section></section></section><p style="text-indent: 32px;line-height: 2em;text-align: center;"><span style="font-size: 16px;line-height: 2em;"></span></p><p style="text-align: center;text-indent: 28px;line-height: 2em;"><span style="font-size: 16px;line-height: 2em;"></span><span style="font-size: 16px;line-height: 2em;color: rgb(255, 76, 0);"><strong>上述的相关法律依据如下：</strong></span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">根据最高人民法院《第八次全国法院民事商事审判工作会议纪要》规定：“婚姻关系存续期间，夫妻一方作为被保险人依据意外伤害保险合同、健康保险合同获得的具有人身性质的保险金，或者夫妻一方作为受益人依据以死亡为给付条件的人寿保险合同获得的保险金，宜认定为个人财产，但双方另有约定的除外。”</span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">任何财富管理规划都需要合法合规。</span><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;overflow-wrap: break-word !important;color: rgb(255, 76, 0);"><strong>人寿保险作为重要的财富管理工具，从其法律属性和金融属性上来看，如果能够提早做好安排，不仅仅是一个简单的保障，也不仅仅是对于财产的保值增值，从法律上来看，解决的是一代人，两代人的教育、养老、医疗、风险规避和财富传承等问题。</strong></span></p><p style="text-align: left;text-indent: 28px;line-height: 2em;"><span style="max-width: 100%;box-sizing: border-box;font-size: 16px;color: rgb(0, 0, 0);word-wrap: break-word !important;">财富管理与规划中要用到各种资产配置工具，只有扬长避短的发挥各个管理工具的功能，方能更周全的保护我们的财富，不恰当的使用，只会带来不可把控的风险。提前安排很重要，但方式的选择更重要。</span></p><p><br></p><section style="margin-top: 10px;margin-bottom: 10px;max-width: 100%;box-sizing: border-box;text-align: center;word-wrap: break-word !important;"><section style="max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;width: 67.691px;word-wrap: break-word !important;"><img data-ratio="1" data-w="50" data-type="gif" class=" __bg_gif" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2F9OmWQjtibTAzFia5VwyfmAPg8vo2l2fcRDNJcU3GNibtDEPEbqBjicefUfqmUyMcxmSxdTuL1EiaSRXHdPoxmlicenNA%2F640%3Fwx_fmt%3Dgif" style="box-sizing: border-box;vertical-align: middle;width: 67.691px;word-wrap: break-word !important;visibility: visible !important;" width="100%"></section></section><section class="" powered-by="xiumi.us" style="max-width: 100%;box-sizing: border-box;color: rgb(51, 51, 51);font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif;font-size: 17px;letter-spacing: 0.544px;line-height: 30.2222px;text-align: justify;white-space: normal;word-wrap: break-word !important;background-color: rgb(255, 255, 255);"><section style="max-width: 100%;box-sizing: border-box;word-wrap: break-word !important;"><section class="" style="max-width: 100%;box-sizing: border-box;text-align: center;font-size: 14px;letter-spacing: 2px;color: rgb(175, 179, 179);word-wrap: break-word !important;"><p style="max-width: 100%;box-sizing: border-box;min-height: 1em;word-wrap: break-word !important;"><span style="max-width: 100%;box-sizing: border-box;font-family: PingFangTC-light;word-wrap: break-word !important;">图/来源网络</span></p><p><span style="max-width: 100%;box-sizing: border-box;font-family: PingFangTC-light;word-wrap: break-word !important;"><br></span></p></section></section></section><p><br></p>
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