Olu hlobo loTrasti lunokukunceda ukuphucula umthwalo wakho werhafu yomshuwalense
I-inshorensi yezobomi iyithuluzi ebalulekileyo ekuncedeni ukutshintsha umngcipheko Ingathengwa ukuba idlulisele umngcipheko ochaphazelekayo nokufa kwangaphambi kokusweleka kwaye unikezele intsapho ephilayo. I-inshorensi yebomi ingasetyenziselwa ukubonelela ngokusweleka ekufeni ukuze ixabiso lithengiswe ukuba lihlawule irhafu yeerhafu. Nangona i-inshorensi yobomi iyisitye esibalulekileyo, ukusetyenziswa kwe-inshorensi yobomi ekucwangcisweni kweendawo kungabangela ingxaki kwi-tax perspective.
Ngenxa yokuba imali ye-inshorensi ifakwe kwifa kunye nokuxhomekeka kwerhafu yefa, abaninzi abantu bafuna ukufumana indlela yokukhupha i-inshurensi yabo yobomi kwiindawo zabo. Enye indlela enokwenzeka yokwenza oku kukusebenzisa i-Insurance Insurance engapheliyo. Ukuba awunayo umgaqo-nkqubo wakho kunye nemali engenayo ayihlawulwa kwi-estate yakho, ngoko ayiqwalaselwe njengengxenye yefa lakho. Umgaqo-nkqubo uza kuba ngumnini-trust, ngoko ke uvumele ukufumana inkululeko kwiirhafu.
Yiyiphi i-insured Insurance Insurance?
Ungavumeli igama elithembayo likusongela. Iingxowa-nje azikho nje eziphathekayo kwaye zizinokubaluleka kubantu abahlukeneyo bamanqanaba obutyebi. Ngokusebenzisa i-insured Trust Trust (ILIT), i-trust, eyona nto eyenziwe ngokomthetho ekwazi ukufumana ipropati, ingathenga umgaqo-nkqubo okanye umgaqo-nkqubo unokunikezelwa ngokupheleleyo kwi-trust. Uxwebhu lovimba luya kukhetha umphathiswa ukuba asebenzise ixabiso eliphantsi kwetrasti kwaye uya kunika imiqathango phantsi kwayo ekufuneka ilawulwe ngayo.
Olu xwebhu luya kukhetha abaxhamli kunye neenkcukacha ngamagama abo abaxhamli bafumana khona inzuzo kwi-trust. Ngenxa yokuba ithemba lingenakuguquka, kubalulekile ukuqonda ukuba olu hlobo lokuthembela alukwazi ukutshintshwa xa lusekwe. Isekwe kwilitye.
Kutheni usebenzisa i-A Trust and Not Another Individual?
Kule ngxaki unokuba uzibuze ukuba kutheni ungeke nje unike umgaqo-nkqubo wakho womshuwalense wobomi kumntu ochasene nokwenza umgudu wokwenza ithemba. Kukho amaxesha amaninzi anemiba enokuvela xa unikezela ngemigaqo-nkqubo ye-inshorensi yobomi yabelwe kwabanye abantu. Imiba enjalo inokubandakanya ukulahlekelwa kolawulo, ukukhuselwa kwezinto, ukunyanzeliswa kweefayili, iimpembelelo ezingekho emthethweni kumnini, kunye nobunzima obunzima bokufumana umnikazi ofanelekileyo. Ngokumisela i-ILIT, ezi nkxalabo zibhekiswe kuzo:
Izivumelwano zolawulo-zikholo zingaba yimibhalo eguquguqukayo kwaye zingabhalwa ukuhlangabezana neenjongo ezahlukeneyo. Umniki-mali (umdali we-trust), ongenako ukwenza utshintsho kwisivumelwano sokwethenjwa emva kokuba sele senziwe, uye wachaza injongo kunye nokusetyenziswa kwezinto eziphathekayo.
Ukukhuselwa kwempahla yokuthembela- Ixabiso le-trust lihlukile kwaye lihluke kwezinye iimpahla ze-trustee. Ngaloo ndlela, zikhuselwe kumbolekisi bamatyala.
Akukho mpembelelo yerhafu echaphazelekayo ye-trustee- Inkokhelo yinkampani yerhafu ekhethekileyo, eyahlukileyo kumabini aqinisekisiwe kunye ne-trustee. Ukuba umphathiswa uyafa, umgaqo-nkqubo awunxalenye yecandelo lomphathiswa kwaye, ngoko ke, akanalo mpe mbelelo elibi kwifa lomphathiswa.
Ubuninzi bamatrasti afanelekileyo- Kukho iinketho ezininzi malunga nokukhethwa kwe-trustee. Umdali othembekileyo unokukhetha nayiphi na umntu ojongeneyo okanye iqela labantu ukuba benze njengomprasti okanye umphathiswa, okanye angakhetha umphathiswa wequmrhu. Ngenxa yokuba i-trustee imele ihambelane nemigqaliselo yolawulo equkethwe kwisivumelwano sokubambisa, umdali wethemba uthembela kumthetho, kungekhona kwisigwebo ngasinye.
Ukuxhaswa kweMali ye-inshorensi ye-insured
Kukho iintlobo ezimbini ze-ILIT xa zibhekisela kwii-asethi ezithembekileyo. Ziyi-ILIT exhaswa ngemali kunye ne-ILIT engahlawulwanga:
I- ILIT exhaswa ngemali ixhaswe ngemali yomshuwalense kunye neyeyongezelelweyo iimpahla ezingasetyenziselwa ukuhlawula iipriyamu. Eli lungiselelo alisetyenziswanga rhoqo ngenxa yemiphumo yerhafu yesipho somnikelo wokuncedisa i-asethi kwi-trust.
I- ILIT engaxhaswanga mali ixhaswa ngemali yomshuwalense wobomi kuphela, kwaye akukho neyongezelelweyo impahla. Unyaka ngamnye, umnikezeli kufuneka enze iminikelo yonyaka kwi-trust ukubonelela ngemali efunekayo ukuhlawula iiprayimari.
I-ILIT ingaba yindlela enhle yokufuna ukuhlawulwa kwentlawulo kwi-inshorensi yakho yobomi bomshuwalense. Nangona kunjalo, njengemibandela yonke yemali yezemali, wonke umntu unemiqathango ekhethekileyo yeemeko. Ngesi sizathu kuhlale kukulungele ukufuna iingcebiso zomqeqeshi oqeqeshekileyo onokukunceda ukuba ujikeleze ngamanzi ngamanzi ngamanzi ngamanye amaxesha.
Ukuziphendulela: Le ngcaciso inikezelwa kuwe njengenjongo yolwazi kuphela. Kuhanjiswa ngaphandle kokuqwalaselwa kweenjongo zotyalo-mali, ukunyamezela ngengozi okanye imeko zezimali kwanoma yimuphi umtyalo-mali othile kwaye angenakufaneleka kubo bonke abatyalo-mali. Ukusebenza kwangaphambili akubonakali kweziphumo ezizayo. Utyalo-mali luquka ubungozi kubandakanya ukulahlekelwa kwinqununu. Le ngcaciso ayijoliswanga, kwaye ayifanele, yenze isiseko esisisiseko saso nasiphi isigqibo sotyalo-mali ongayenza. Njalo qhagamshelana nomcebisi wakho wezomthetho, wezorhafu okanye utyalo-mali ngaphambi kokuba wenze nayiphi na ingxowa-mali / ityala / indawo / izicwangciso zezimali okanye izigqibo.