Let love continue without leaving any regrets...
When we talk about "estate planning", most people's first reaction is: it is something for rich people and it is far from our own business.
But the truth is you and I should have known this earlier.
Because no one knows whether they will become the person whose "assets need to be protected" in ten years.
Many people work hard all their lives and, like Wang Yung-ching and Chang Yung-fa, have achieved amazing success. However, because they did not make proper plans during their lifetime, their families ended up falling out and going to court over the inheritance.
It’s not because they don’t love their family, but because they ignore a reality: “As long as the inheritance tax is not paid, all assets will be frozen!”
Houses, stocks, and land have all become a bunch of immovable numbers.
The child has a home and property, but he can't even afford living expenses.
This is the "last piece of the puzzle" that many families easily overlook!
What can fill in this puzzle is not a house, a fund, or stocks, but a "life insurance policy."
Because the value of life insurance lies not in the rate of return on investment, but in "immediate cash flow rescue."
It can do:
1. Allows you to freely designate beneficiaries without going through cumbersome inheritance procedures.
2. Pursuant to Article 16, Paragraph 9 of the Estate and Gift Tax Act, it shall not be included in the total amount of the estate.
3. Cash disbursement is usually available within a week.
This means that when an unexpected event occurs, your family doesn’t have to wait in tedious tax procedures!
They can immediately have cash to pay taxes and have money to live on, without having to watch the IRS post notices and auction their houses.
Imagine that you have an 18 million mortgage and one day you pass away suddenly. What will happen to your wife, children, and family members who love you?
If you have a life insurance policy, your wife can immediately use the insurance money to repay the mortgage, and your family can continue to live in the home that has your presence, without having to wander around or sell the house.
That is not a verbal promise, but a kind of hidden consideration!
The "500 million high school student" in the news inherited a huge amount of real estate, but due to insufficient cash and too much pressure, he was eventually set up and became a victim.
Cash gifts are subject to gift tax, and real estate transfers are subject to real estate tax, and will also attract the covetousness of others.
"It is better to leave security than to leave disputes."
Life insurance is the most stable arrangement!
Because it is not just a contract, it is a "safety switch" you leave for your family.
When you are not around, it can start up immediately, converting love into cash flow, giving your family some breathing room and enough time to face the rest of life.
Many people think that talking about "death" is unlucky, but a truly mature family should dare to talk honestly about "afterwards."
Because this is not about being afraid of death, but about making the living feel more at ease.
You cannot protect your child from all the wind and rain for a lifetime, but you can hold up the umbrella for him first.
To you who are working hard:
While you can still plan, pave the way for your dear family.
True love is not about leaving behind a lot of property, but about leaving behind "just enough sense of security".
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