Indlela yokukhetha abaxhamli kwiiNkcazo ze-Inshorensi yobomi

Ukuqulunqa i-trust kunye nokuchazwa ngabanye

Xa udala i-Revocable Living Trust njengenxalenye yesicwangciso sakho sempahla esiseko, kuya kubakho ukuba uhlaziye abaxhamli be-inshorensi yempilo yakho. Ingaba uya kufuneka ukuba utshintshe bobabini abancedisayo kunye nabasesekondari ngokubanzi baya kuxhomekeka kwiimeko zakho zomtshato kunye nexabiso elifanelekileyo . Ngaphambi kokuba wenze nantoni na, kunjalo, kufuneka uqhagamshelane nommeli wecebo lakho lokwazisa ukuba yiyiphi enye into enokukhetha yona kunye nabaxhamli bakho.

Ngezantsi kukho iingqalelo eziqhelekileyo kubantu abatshatileyo nabangatshatanga.

Ukuhlaziya Abaxhamli xa Utshatile

Ukuba utshatile kwaye ungenayo ingxaki yentlawulo yerhafu, kufuneka uqwalasele igama lakho iqabane njengomcebisi oyintloko kwimigaqo-nkqubo yakho. Oku kuya kunika umlingani wakho ukufikelela lula kwimali engasetyenziswa ngokukhawuleza ukuhlawula iindleko. Umxhamli wakho oza kuxhamla ngokubanzi uya kuthi abe nguThovisi oyiKhuselekileyo yokuThembela. Okanye, qwa lasela i-Revocable Living Trust yakho njengomntu oyintloko oyiluncedo kwinshurensi yakho yobomi ukuze imali ifikelele "kwi- B Trust " (okanye i-Bypass, i-Shelter Credit, okanye iTrust Trust) eyenziwe ngenjongo yokuba inzuzo yakho iqabane liphile ukuze Imali iya kukhuselwa kubaboleki, izigwegwe, kunye neqabane elitsha

Ukuba utshatile kwaye unempahla ehlawuliswayo, qwa lasela igama lakho elikhuselekileyo lokuThengisa njengeNcedisi eyona nto incedayo kwimigaqo-nkqubo yakho.

Oku kuya kuqinisekisa ukusetyenziswa okufanelekileyo kokuxolelwa kwakho kwiirhafu zomhlaba phantsi kwe- AB Trust system. Kwakhona, ukuba ithemba lakho libizwa ngokuba ngumxhamli oyintloko, ngoko awuyi kulubiza igama loxhamli-ntlawulo ngenxa yokuba isivumelwano sokubambisana ngokwaso siya kujongana nabaxhamli bakho abakuqala kunye nabasesekondari.

Ukuhlaziya Abaxhamli xa Ubungashadile

Ukuba ungatshatanga, ngoko kungakhathaliseki ukuba unengxaki yerhafu yerhafu , kufuneka uqikelele igama lakho lokubambisa ukunyaniseka njengomntu oyiluncedo kwinkqubo yakho.

Oku kuya kuqinisekisa ukuba bonke abaxhamli bakho baya kugutywa. Ngamanye amagama, ukuba omnye wabaxhamli bezithembeli zakuqala uyakunciphisa, ke isivumelwano sakho sokuthemba siya kupela apho isabelo sabantu abafayo sasiya khona. Kwakhona, ukubiza igama lakho njengetyala eliphambili liya kuqinisekisa ukuba isabelo esincinci somzuzwana siya kuthathwa ngokufanelekileyo ngaphandle kwesidingo sokumisela umgcini okanye umgcini wokugcina.

Ngaphandle kwalokhu, ukuba ungatshatanga kwaye unayo i-estate taxable, ubiza igama lakho njengokuba umcebisi oyintloko uza kunika imali efumanekayo ukuhlawula irhafu. Ngaphandle koko, ukuba uthetha ngabanye njengabaxhamli ngokuthe ngqo, baya kuba nako ukufumana izandla zabo kwi-inshurensi eqhubekayo kwaye bachithe imali endaweni yokuyibeka eceleni ukuze bahlawule irhafu. Oku kungabangela ingxaki ukuba i-estate yakho ayinayo eyaneleyo yezinye iimpahla ezikhoyo ukuze uhlawule irhafu.

Ukuseka i-insured Insurance Life

Kungakhathaliseki ukuba utshatile okanye ungatshatanga, ukuba unayo i-estate taxable, ke kufuneka uqikelele ukusekwa kwe-inshorensi yobomi bomshuwalense engaphendukiyo, okanye UKUBHALA okufutshane, ukubamba kunye ne-inshorensi yobomi bomshuwalense. I-ILIT iya kuthiwa nguyena oyiluncedo olukhulu kwimigaqo oyigqithisela kuyo.

Oku kuya kususa ixabiso le-inshurensi evela kwimpahla yakho kwaye ngoko ukunciphisa okanye ukuphelisa irhafu yerhafu eya kuhlawulwa.

Xa unqume ukuba ngubani na onokufumana inzuzo, uya kufuneka udibanise nenkampani yakho yomshuwalense wezempilo ukuze uhlaziye ifom yefowuni yakho yokufumana inzuzo.