Insurance family trust is a new type of financial product that combines insurance and family trust. It is one of the important financial tools for high-net-worth customers to achieve wealth inheritance and reasonable tax avoidance.

At present, the model of insurance family trust in my country is usually the model where the client is the policyholder: the client (policyholder) entrusts the policy beneficiary rights or insurance money of the life insurance or annuity insurance he holds to the trust company as trust property. A family trust signs a trust contract with a trust company and stipulates that the trust company will be the beneficiary of the policy. When the compensation conditions stipulated in the policy are met, the insurance company will pay the insurance money to the trust company, and the trust company will follow the terms of the trust contract signed with the trustor. Manage and utilize the trust property in a certain manner, and gradually deliver the trust property and income to the trust beneficiary designated by the trustor in accordance with the requirements of the trustor.

The model that combines insurance and family trusts makes full use of the trust's functions of risk isolation and reasonable tax avoidance in the field of wealth inheritance, making up for the current shortcomings of ordinary life insurance in the designation and distribution of insurance beneficiaries, while taking advantage of the financial leverage function of insurance.

, greatly lowering the threshold for family trusts, expanding the scope of trust benefits, effectively integrating insurance services and trust services, and achieving the effect of 1+1>2.