Insurance Planning(Local/Offshore)/ 保险规划(本地/离岸)

15 Sep 2014
Insurance Planning(Local/Offshore)/ 保险规划(本地/离岸)
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Insurance can be important component of your overall financial plan. Hence, what types of Insurance products & how much should be adequately covered to meet your financial protection needs should you sudden death/total permanent disabled/critical illnesses is very important. It is more than just buying an insurance plan.

Everyone places hope for future. But there are 2 things in our life that is unpredicted, one is sudden accident, another is serious illnesses. In addition, when we were born that moment, we are stepping towards death. Do you agree?

Buying life insurance cannot change your life but to prevent your life being changed!

So, what types of insurance should we buy?

每个人都把未来憧憬的很好,但人生有两件事情不能预测的,一个是意外的突然到来,一个是大病的不幸发生。另外,人从生下来那一刻,就在一步步走向死亡,不外呼就是两个偶然和一个必然,偶然就是意外和疾病,必然就是会老去,你赞同吗?

没买保险没出事,那是万幸;没买保险出了事,就是悲剧;买了保险没出事,那是幸福;买了保险出了事,就是庆幸。保险能做到:不出事锦上添花,出了事能雪中送炭。


买保险不能改变生活,而是防止生活被改变!那到底该买什么保险?

人因爱与责任买保险


 Have you ever wondered?

1)      By just putting a nomination, will it be sufficient?

2)      If you as a policy owner unfortunately suffered from total permanent           disabled (TPD), what will happen to your TPD insurance claim?

3)      What will happen to your insurance claim if your sole nominee is your         spouse, who predeceased or common disaster with you?

4)      What will happen to your insurance claim if your nominee is minor             child? He/she cannot receive your insurance claim directly due to the         incompetence (below age 18 and/or mentally/physically disabled).               Problem arises especially those policy owners who specially wanted             to exclude the ex-spouse or irresponsible spouse to receive the               insurance claim that was reserved for the children.

5)      If you want your siblings, relatives or parents (nomination after             married) to benefit from the insurance claim? How to make sure they           get it?
 
After the implementation of the Financial Services Act 2013, the policy owners can no longer appoint himself as TRUSTEE, Under Para 5(1) of Sch 10, the nominees named by the policy owners will become trust policy if the nominees are spouse or child or parent(s) if there is no spouse and child at the time of nomination. Any revocation of nomination or adding new nominees  than spouse, child or parent(s) ,varying or surrendering the policy or assigning the policy as security must have written consent by them. If the relationship between the policy owner and nominee become sour, any policy amendment which require his/her written consent become complicated/difficult to handle.For example, a bad relationship divorced couple, when policyholder wanted to remove the ex-spouse as nominee and change to newly marriage spouse as nominee.

Do you want to preserve and distribute your beneficiary's insurance
claim entitlement properly and ultimately fulfil your intention of buying insurance? We provide solution for you.


你有没有想过?
 
1) 只做保单提名人就足够吗了?

2) 作为保单持有人的你,如果不幸终生残废/神志不清,您的保险理赔金怎么办?

3) 如果您的唯一提名人是您的配偶,他/她比您先逝世或共同灾难? 保险理赔金怎么办?

4) 如果您的保险提名人是年幼子女(未满18/或有智障问题),保险理赔金怎么办?尤其是那些保单持有人想排除前配偶/不负责人的配偶领取他们留给孩子的保险理赔金?

5)  如果您想让除了配偶,子女或父母(在保单提名时无配偶/子女)之外的人受益? 要怎么处理?
 

金融服务法在2013年实施后,保单持有人不可以再委任自己作为其保单信受托人,根据第5段附表101),如果保单持有人的提名人是配偶或子女,或父母(在没有配偶和子女下提名时),将被视为信托保单。任何撤销提名或增加新的提名人
,更改或放弃该保单或指定保单转让,须经过他们书面同意。如果保单持有人和提名人关系变质,任何保单更改将变得更复杂,难以处理。例如:当离婚夫妻的关系恶劣,保单持有人想换掉前妻/夫,委任新的提名人,前妻/夫须书面同意更换提名人。在这样的情况下,这问题容易处理吗?

你想保存和正确的分发保险理赔给受益人,最终实现你买保险的目的吗?我们提供您解决方案。
 

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