1, the threshold of insurance trust is low: at present, domestic family trusts usually need millions of funds to carry out, and insurance has a leverage effect. As long as the insured amount reaches the trust threshold, the threshold for participating in the trust is lowered.
2. Break through the beneficiary limit: the beneficiary designation of the trust is relatively flexible, not only for immediate family members, but also for the unborn third generation and others.
3. Flexible arrangement of payment methods: The trust can flexibly make payment plans according to the needs of families, including payment amount and payment time, so as to effectively allocate funds.
4. Debt isolation: The insurance trust makes the insurance premium have an independent property nature, which is not affected by the beneficiary's debt repayment or property division.
5. Sub-beneficiaries can be designated: Sub-beneficiaries can be designated to prevent the main beneficiaries from not meeting the payment conditions, and the sub-beneficiaries will distribute the remaining trust property equally to avoid property outflow.
Second, the disadvantages of insurance trust:
1, which is highly dependent on property: before the insurance claim occurs, the policy property is affected by the insured's debt, marriage division and other factors, and its wealth preservation function is relatively weak.
2. There are restrictions on leverage: the leverage of domestic insurance policies is relatively weak, and for ordinary families, more self-owned funds are still needed to support them. In addition, the interest rate of policy loans is high, and using policy loans to amplify leverage will face greater interest pressure.
What are the conditions for accepting an insurance trust?
1. Investors must be at least 18 years old and have full capacity for civil conduct.
2. Investors need to have certain investment experience and risk tolerance, because insurance trust is a high-risk and high-return investment method, which requires investors to have certain risk awareness and investment ability.
3. Investors need to have a certain amount of investment. Generally speaking, the initial investment of an insurance trust is relatively high, generally more than 500,000 yuan.
4. Investors should choose an insurance company with good reputation and strong strength to invest in order to ensure the safety and profitability of investment funds.
5. Investors need to know the investment strategy and risk control measures of insurance trust in order to make correct decisions in the investment process.