Posted by In the past two days, a father became popular because he tore his biological daughter on Weibo:
Image source: Legal Daily Weibo
In the long Weibo, he wrote that he was born in the 60s and used to be a soldier; his daughter is now 18 years old and was raised by him since his parents divorced at the age of 7.He sent her children to the best private school. After she proposed that she wanted to study in Canada, she did not hesitate to put out the savings of 300 million she had saved over decades, and said that she would give her 30 yuan every year. Keep it by him.
Unexpectedly, only a week after his daughter went abroad, he discovered that the bank card was missing.I went to the bank and asked to find out.The child stole the card, tried out the password, and transferred all the money away!My daughter did not go to school to report, eating, drinking, having fun, and buying luxury goods to show off!
After the shock, the father used Weibo and WeChat to persuade the child to turn around.As a result, the rebellious daughter not only refused to listen, and splurge with her boyfriend, she also blacked out the whole family and friends!In desperation, he decided to disclose his real-name information and expose his own children!
When all the messages were sent, the father was discouraged and deleted all Weibo, saying, "I think I haven't given birth to this daughter, this is the end of the matter."Only the Weibo introduction sentence is left: "Spoiled her so much that she suffocated (put aside) me. Such a daughter makes me very chilling. "
However, on January 1, the Weibo in question issued another post stating:
Regardless of the truth, the incident has attracted many people's attention!What do you think?
As a practitioner in the insurance industry, I just want to say that if this is the case to prevent your children from losing out, you should know a word: large insurance policies!
The number of wealthy people is gradually increasing, and how to pass on the family business that they have worked so hard to pass on to the next generation is a problem that deserves serious attention.At present, some people in the second generation of the rich have no sense of the hard-won wealth and lead an unrestrained luxury life. If this continues, even the golden mountains and the silver mountains will sit in the air.
In order to avoid such a situation, wealthy parents may wish to tailor-made for the "rich second generation" and purchase a suitable, high-value, savings-oriented insurance (such as annuity insurance, progressive dividend insurance, universal insurance) , Investment-linked insurance, etc.), after the contract takes effect, you can give your children an insurance premium every year for 15 years, 20 years, 30 years, or lifetime.In this way, the children can obtain a stable income for a long period of time to ensure the quality of life, but they will not be squandered in a short period of time.
Risks are everywhere, especially wealthy individuals with rich assets and strong earning power, such as business owners, who are often the most important economic pillar of a family.In the event of a personal accident, the wealthy will lose not only their life itself, but also make their families lose the backbone of their lives and the foundation for continuing a high-quality life.
Purchasing a full high-insurance protection insurance is equivalent to locking up a large amount of funds, which can ensure that when the insured loses the ability to earn money or dies in an accident, it can recover losses for themselves and their loved ones, preserve assets, and guarantee life to the greatest extent quality.
In fact, life insurance also has a certain will substitution function. Through the insurance policy, multiple beneficiaries can be designated, and the benefit share and benefit order can also be designated.In this way, if the order of beneficiaries can be arranged in advance and the beneficiary share of each beneficiary can be confirmed, even if the insured passes away suddenly without leaving a will, disputes within the family can be avoided to a considerable extent.
In terms of specific operation methods, policyholders can achieve differences through different permutations and combinations of the insured and the beneficiary.
For example, 40-year-old Mr. Li has a successful career and has one child and one daughter. He has assets of 1.5 million yuan.Since his wife died of illness last year, he decided to formulate a wealth inheritance plan for himself.He hopes that his son can inherit the family business and carry it forward. At the same time, he wants to leave more fortune to his daughter and try his best to achieve "a bowl of water for the two children."Therefore, Mr. Li chose to pay a one-time payment of 4000 million yuan
Purchase a piece of "AIA Life Insurance" with an insured amount of 1.1 million yuan in cash, and designate your daughter as the sole beneficiary of the policy.In this way, Mr. Li's son and daughter can inherit assets of 1 million yuan and XNUMX million yuan respectively (assuming the value of other assets remains unchanged).Such inheritance arrangements can also save a lot of intermediary costs.
Through insurance arrangements, wealthy people such as business owners can also reasonably allocate indivisible assets (such as antiques, paintings and calligraphy, etc.) to future generations.
比如，30歲的王先生有2000萬元的現金和價值約3000萬元的祖傳古董。他想在「百年之後」將資產平均分配給兩個孩子。王先生決定以1000萬元的現金購買一份保額為3000萬元的高額壽險，則其身故後每個孩子都可獲得價值3500萬元的財產（假設其它資產價值不變）。
1. Equipped with value-preserving function: Every insurance policy has a cash value. On the surface, it is handed over to the insurance company. In essence, it is "savings" in the insurance company. It has a value-preserving function.
2. Guarantee the certainty of wealth distribution: For insurance, because it is a designated beneficiary, the insurance company must perform it directly in accordance with the contract.Traditional inheritance is difficult to guarantee this, and notarized wills may also cause disputes.
3. Long-term security of wealth, with little impact on future generations: For young people who suddenly have huge wealth, can they control their wealth according to our original wishes, and can they hold wealth safely and for a long time?Obviously it is not easy, but for insurance, the beneficiary can be paid by insurance companies in installments and installments to ensure the long-term security of wealth.
4. Tax costs are almost zero: Even if the inheritance tax has not yet been levied, the various costs in the inheritance process are not low: the attorney's fee for the lawyer to draw up the will, the notarization fee for the notarization of the will itself, and the most expensive notarization fee for the right of inheritance ( 2% of total assets) etc.The inheritance of wealth through insurance does not require any expenses when the beneficiary receives the property.
5. Asset isolation and debt avoidance effect: The law stipulates: Insurance money is not counted as inheritance, let alone included in debt service assets, which means that it cannot be compulsorily repaid.
6. Possess good confidentiality: Statutory inheritance and testamentary inheritance require all statutory heirs and testamentary heirs to be on the same scene, and when the insurance company allows the beneficiary to accept the property, it will only notify the beneficiary and guardian, and will not notify anyone else to the scene. .
7. Guarantee timeliness: The traditional inheritance method takes a long time. From death to funeral, to notarization of inheritance rights and transfer of ownership, it takes at least half a year for everything to go smoothly.But insurance companies settle claims quickly, and only need the beneficiary, ID card, and death certificate to get the property from the insurance company.
