1, the couple * * * has property problems.
Some commercial insurance with cash value after marriage is insured with the same property. The cash value of the insurance contract can be regarded as the joint property of husband and wife, and can be divided into the joint property of husband and wife when divorced. In practice, because the insurance contract is a long-term contract, the cash value in the early stage is often less than the insurance premium paid. In order to avoid the loss caused by surrender, the insured can pay half of the cash value to the other party and keep the contract valid.
Target audience: Mrs. Fu
2. The problem of inheritance tax.
There are many solutions to avoid many problems caused by inheritance tax by using life insurance. The following is a simple example: whole life insurance with parents as the insured and children as the beneficiaries. In this way, after the accidental death of parents, children can get insurance money from insurance companies as a source of funds for paying inheritance tax. For example, when Mr. and Mrs. Li died, they owned a considerable amount of real estate and a well-run company. Because of their conservative financial management, they did not have a considerable amount of cash and deposits when they died. If they don't have an estate plan in advance, this huge estate will often become a heavy burden for the heirs in the face of inheritance tax. Fortunately, the child insured himself in whole life insurance when he was young, so the child got a considerable amount of insurance money. In this way, their heirs don't have to consider selling the property or affecting the normal financial operation of the company in order to pay the inheritance tax.
Scope of exemption from inheritance tax
(1) Legacy donated by the legator, donee or heir to governments at all levels, education, civil affairs, welfare and public welfare undertakings;
(2) All kinds of cultural relics, books, materials and articles related to culture, history and art that are registered with the tax authorities and inherited and preserved by the heirs, but when the heirs transfer such documents, books, materials and articles, they still have to pay taxes automatically;
(3) Copyright, patent right and know-how of the decedent's creation, invention or participation in creation.
(4) the insurance money obtained by the decedent from life insurance;
(five) the people of China and the government of China are exempted from inheritance tax in international conventions or agreements signed with foreign governments;
(six) other heritages that are not included in the total taxable heritage as stipulated by the State Council.
Because rich people have money, but they don't like to pay taxes for nothing and avoid taxes legally, hehe!