您的保险受益人是谁?别把保险受益人和遗嘱受益人给混淆哦!

依据2013年马来西亚金融服务法令(Financial Services Act 2013)的第一百三十章,投保人(您)有权利提名受益人。大部分人只知道可以提名受益人,可是却不理解自身权利与局限。

简单来说,如果今天您是未婚,您提名父母亲为受益人,这将会形成信托保单(trust policy)。在信托保单下,保险公司理赔的保险金不再属于投保人的遗产,并将确保您的至亲可领取保险金全额。

若今天您是未婚,您在受益人的一栏写上了父母亲以外的名字(例如姐姐),这将形成非信托保单(non-trust policy)。

姐姐将以保单执行人的身分领取保险金,但有关保险金将会是您遗产的一部分,您的姐姐必须依据您的遗嘱或根据1958年马来西亚遗产分配法令(Distribution Act 1958)来分配有关保险金,包括您的债权人。

看似小分别,其实影响可是非常大。须知道,若我们离开人间同时尚有债务在身,债主是可以向我们的遗产进行索偿以收取所欠金额。那么这个把钱留给姐姐的美意就会破灭了。

若是已婚且有妻儿者,提名妻儿就会形成信托保单,妻儿以外的提名都将形成非信托保单。

所以,提名受益人时要注意。如果您真的想让非信托保单的提名人(例如:未婚想姐姐为受益人;已婚者想父母亲成受益人)可以成为受益人,那你就必须做额外的步骤了。

那这额外的步骤要怎么做呢?容易吗?想要了解更多,欢迎您马上联络滚钱趣,我们有专业的顾问来协助您!

More from author

LEAVE A REPLY

Please enter your comment!
Please enter your name here

Related posts

Advertisment

Latest posts

家族信托比遗产更有效?

其实比起遗嘱,设立家族信託更有效,因为遗嘱仍有太多不足的地方,包括对遗嘱真伪的质疑。

别学“医卡姐”乱说话!医药卡不是免死金牌!

“医卡姐”一句,没有买医药卡,等不及160万令吉换肝的林知麟小弟弟死得活该! 医卡姐的下场可想而知,被网民人肉搜索,最终落得遭保险公司开除撇清关系。

遗嘱常见问题 Part 1

当一个人不在时而他没有立遗嘱,将会怎么样? 离婚会使遗嘱作废吗?
[tdn_block_newsletter_subscribe title_text=”Want to stay up to date with the latest news? ” description=”V2UlMjB3b3VsZCUyMGxvdmUlMjB0byUyMGhlYXIlMjBmcm9tJTIweW91ISUyMFBsZWFzZSUyMGZpbGwlMjBpbiUyMHlvdXIlMjBkZXRhaWxzJTIwYW5kJTIwd2UlMjB3aWxsJTIwc3RheSUyMGluJTIwdG91Y2guJTIwSXQncyUyMHRoYXQlMjBzaW1wbGUh” input_placeholder=”Email address” btn_text=”Subscribe” tds_newsletter2-image=”8″ tds_newsletter2-image_bg_color=”#c3ecff” tds_newsletter3-input_bar_display=”row” tds_newsletter4-image=”9″ tds_newsletter4-image_bg_color=”#fffbcf” tds_newsletter4-btn_bg_color=”#f3b700″ tds_newsletter4-check_accent=”#f3b700″ tds_newsletter5-tdicon=”tdc-font-fa tdc-font-fa-envelope-o” tds_newsletter5-btn_bg_color=”#000000″ tds_newsletter5-btn_bg_color_hover=”#4db2ec” tds_newsletter5-check_accent=”#000000″ tds_newsletter6-input_bar_display=”row” tds_newsletter6-btn_bg_color=”#da1414″ tds_newsletter6-check_accent=”#da1414″ tds_newsletter7-image=”10″ tds_newsletter7-btn_bg_color=”#1c69ad” tds_newsletter7-check_accent=”#1c69ad” tds_newsletter7-f_title_font_size=”20″ tds_newsletter7-f_title_font_line_height=”28px” tds_newsletter8-input_bar_display=”row” tds_newsletter8-btn_bg_color=”#00649e” tds_newsletter8-btn_bg_color_hover=”#21709e” tds_newsletter8-check_accent=”#00649e” embedded_form_code=”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” tds_newsletter=”tds_newsletter1″ tds_newsletter1-input_bar_display=”” tds_newsletter1-input_border_size=”0″ tds_newsletter1-title_color=”#172842″ tds_newsletter1-description_color=”#90a0af” tds_newsletter1-disclaimer_color=”#90a0af” tds_newsletter1-disclaimer2_color=”#90a0af” tds_newsletter1-input_text_color=”#90a0af” tds_newsletter1-input_placeholder_color=”#bcccd6″ tds_newsletter1-input_bg_color=”#ffffff” tds_newsletter1-input_border_color=”rgba(255,255,255,0)” tds_newsletter1-input_border_color_active=”rgba(255,255,255,0)” tds_newsletter1-f_title_font_family=”394″ tds_newsletter1-f_title_font_size=”eyJhbGwiOiI0MiIsImxhbmRzY2FwZSI6IjM2IiwicG9ydHJhaXQiOiIzMCIsInBob25lIjoiMzAifQ==” tds_newsletter1-f_title_font_line_height=”1.2″ tds_newsletter1-f_title_font_spacing=”-1″ tds_newsletter1-f_descr_font_family=”638″ tds_newsletter1-f_descr_font_size=”eyJhbGwiOiIxOCIsImxhbmRzY2FwZSI6IjE1IiwicG9ydHJhaXQiOiIxNCIsInBob25lIjoiMTQifQ==” tds_newsletter1-f_descr_font_line_height=”1.6″ tds_newsletter1-f_descr_font_weight=”700″ content_align_horizontal=”content-horiz-center” tdc_css=”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″ tds_newsletter1-f_disclaimer_font_family=”394″ tds_newsletter1-f_disclaimer2_font_family=”394″ tds_newsletter1-f_input_font_family=”394″ tds_newsletter1-f_input_font_line_height=”3″ tds_newsletter1-f_input_font_size=”eyJhbGwiOiIxNiIsInBvcnRyYWl0IjoiMTQiLCJwaG9uZSI6IjE0In0=” tds_newsletter1-f_btn_font_family=”394″ tds_newsletter1-f_btn_font_transform=”uppercase” tds_newsletter1-f_btn_font_weight=”700″ tds_newsletter1-btn_bg_color=”#e2687e” tds_newsletter1-btn_bg_color_hover=”#172842″ tds_newsletter1-f_input_font_weight=”” tds_newsletter1-f_title_font_weight=”800″]