In recent years, with the growth of national wealth, trusts have become a financial management tool that everyone pays great attention to.

It is not difficult to see from the news that wealthy people have established family trusts, and this kind of trust has become a good tool.

Trusts are also known as the financial products at the top of the pyramid.

Because most people who use trusts become very wealthy.

Are trusts really reliable?

In fact, various insurance companies have cooperated with trust companies to launch various insurance fund trusts.

Today, I want to talk about trusts and insurance fund trusts.

Demystifying trusts and insurance trusts.

1. What is a trust?

The word trust comes from a very old Simon in the Middle Ages.

At that time, the West was at war.

The soldiers went out to fight.

At this time, the soldiers handed over the property to the local monastery for protection and management.

If the soldier is unable to return, the monastery will distribute the property according to the soldier's previous agreement, such as how much to give to the children and how much to give to your wife, which is an early form of trust.

Today, trusts have become a tool for wealth management and a legally protected tool.

The trust is conducted in accordance with trust law.

Domestic trust institutions are financial institutions that hold a license to operate trust business.

Trust is understood from a legal perspective.

That is, the trustee entrusts the property to the trustee, and the trustee manages and distributes it at the trustee's request.

The trustee here is a trust company, and the entrustment process is the transfer process of property ownership.

Let me give you an example.

For example, if you want to arrange a reasonable distribution of funds and the distribution of part of the company's shares through a trust, you can find the trust company and sign the trust company and trust contract.

A trust company can own the company's funds and shares, and the trust company manages the property and distributes it according to the wishes of the trustor.

If the trustor dies one day, this part of the trust property will continue to operate according to his wishes, ensuring that future generations will receive wealth.

2. What is an insurance trust?

Insurance + trust is actually insurance trust.

After purchasing a large life insurance policy, deposit the insurance proceeds into a trust company.

In other words, the beneficiary of the insurance is the trust company.

When an insurance claim is settled, the insurance company pays the insurance money to the trust company, and the trust company bears the insurance money and distributes it according to the wishes of the insured.

In short, an insurance fund trust is an instrument that combines the characteristics of insurance and trust and uses both instruments in combination.

3. Characteristics and advantages of insurance fund trusts 1. Lowering the trust threshold We often hear that trusts are tools used by wealthy families.

A threshold of at least 30 million is required to establish a trust plan.

..Insurance fund trusts do not have this requirement, and the total domestic premiums can basically reach 1 million.

The threshold is significantly lowered.

2. Expanding leverage insurance has a leverage effect.

You only pay part of the premium, but the insured amount is dozens of times the premium.

Ordinary trusts are not used, as long as you have money, you can establish a trust.

3. Personalized insurance trusts can also be designed according to the wishes of the insured.

4. Make insurance funds safer If insurance funds are included in the trust system, it is equivalent to the trust company having ownership, which is safer.

I'm telling you, a lot of people are very worried.

If one day I leave, I will become my family's main source of income.

There are men, women, and children in the family, but I have a high life insurance policy, but I don't want to pay it to my family immediately, because after giving money to my family, there will be conflicts and short-term waste, and I hope to protect my family's life in the long term.

Currently, the use of insurance fund trusts can solve this problem very well.

With high-limit life insurance + trust, if the insured dies, the insurance will not pay compensation directly to the family.

Assume that you have purchased 50 million life insurance. After death, the insurance company will pay the claim directly to the trust company, and the trust company will manage and distribute assets according to the customer's wishes.

This is an advantage of insurance fund trusts.