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为什么富豪的财富传承离不开大额寿险？

富豪的财富传承之所以离不开大额寿险，核心原因在于大额寿险具备其他任何金融或法律工具都难以替代的四大关键功能：高杠杆、即时流动性、法律隔离与税务优化。

对于管理复杂资产结构和巨额财富的富豪家庭来说，大额寿险是实现安全、确定、高效传承的基石。

1. 🎯 核心功能：高额杠杆（财富在身故时瞬间放大）

大额寿险是极少数能提供即时、巨额杠杆的金融工具。

  • 小资金撬动大保额： 富豪只需支付相对较小的保费（或通过保费融资支付更少的自有资金），就能锁定远高于保费的死亡赔偿金。

  • 示例： 投入 100万美金的保费，可能锁定 300万到 1000 万美金的保额。这相当于在资产负债表上创造了一笔立即生效的巨额资产，确保财富在下一代手中迅速增值。

2. 🌊 即时流动性（解决资产变现难题）

这是大额寿险在传承中的最关键价值。富豪的财富通常以非流动性资产为主，例如：

  • 股权和企业： 家族企业的控股权或非上市公司股权。

  • 不动产： 豪宅、土地或商业地产。

为什么需要流动性？

在传承发生时，遗产可能面临以下压力，而大额寿险能提供即时现金流：

  • 支付遗产税（针对海外资产或非税务居民）： 如果富豪拥有需缴纳遗产税的海外资产，继承人必须在短期内缴纳大笔税款。寿险赔偿金能立即提供现金，避免被迫低价出售核心资产（如房产或企业股权）来凑集税款。

  • 平衡遗产分配： 如果富豪希望将企业股权完整留给经营子女，同时公平对待不参与经营的子女，寿险赔偿金就能作为等值的现金补偿，完美平衡家族成员间的财富分配，避免内部分歧。

3. 🛡️ 法律隔离与资产保护（确定性与私密性）

大额寿险在法律上具有强大的保护作用。

  • 债权人隔离： 在许多司法管辖区（包括新加坡），在特定法律架构下，人寿保险赔偿金通常不被视为遗产的一部分，因此可以有效隔离债权人的追索。这保护了家族的核心资产，使其免受商业风险和债务纠纷的影响。

  • 定向传承与私密性： 保险合同指定了明确的受益人，赔偿金将直接支付给受益人，不经过复杂的遗嘱认证（Probate）程序。这确保了财富转移的私密性，且能按照投保人的意愿快速、确定地到达指定人手中。

4. 🔗 结合家族信托（实现终极控制）

通常最优先装进家族信托（Family Trust）的资产就是保单资产。

  • 信托作为受益人： 富豪将家族信托指定为大额寿险的受益人。当被保人身故后，保险金流入信托。

  • 意愿控制： 信托可以严格按照富豪生前设定的意愿（如：分批支付、限定用途、达到特定成就才支付等），对这笔现金进行长期、有条件的分配。这实现了对财富跨代传承的终极控制。

简而言之，大额寿险为富豪提供了一个高效、高杠杆、法律安全的工具，将非流动性资产转化为即时流动性，确保家族财富按照既定意愿，完整、私密、快速地传承下去。

欢迎咨询订制化的大额寿险+信托的传承方案，微信: Gothia

Important: The information and opinions in this article are for general information purposes only. They should not be relied on as professional financial advice. Readers should seek unbiased financial advice that is customised to their specific financial objectives, situations & needs. This advertisement or publication has not been reviewed by the Monetary Authority of Singapore.

Published By:

彭歌佳 Gothia Peng Gejia 

我是彭歌佳（Gothia），现任新加坡顶尖独立理财机构 Financial Alliance（鑫盟理财）Associate Wealth Advisory Director。拥有超过10年财富管理经验，持有新加坡保险学院的个人财务规划学位，以及新加坡银行与金融学院的高级认证。

【深耕新移民，洞察复杂需求】
在9年的头部寿险公司经历与多年的全方位理财咨询实践中，我已深度服务超过 600位新移民个人与家庭。我深知高净值人群在面对跨国资产配置、身份规划及家庭保障时的复杂性。我不仅提供保险方案，更致力于为您构建全生命周期的财务防御体系。

【我能为您解决什么？】
全市场精选: 摆脱单一公司束缚，在新加坡全市场筛选最优资产配置与保障方案。
资产保全与传承: 针对高收入家庭，设计合规的财富隔离工具，确保财富定向传承。
理赔与后续服务: 丰富的理赔实操经验，让您的保单在关键时刻发挥最大的杠杆效应。

【我的哲学: 长期主义的陪跑者】
我始终秉承“真诚、中立、负责”的原则。对我而言，您不仅是客户，更是共同成长的朋友。我承诺提供量身定制的动态财务回顾，确保您的财富计划能随人生阶段灵活调整。

【联系方式】
期待与您深度对话，开启您的财富增值与守护之旅。 WeChat：Gothia 电话：82685431
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根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

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  • Financial Alliance Pte Ltd ( “FAPL”) is licensed by the Monetary Authority of Singapore (“MAS”) and allowed to conduct financial advisory activities in accordance with the Financial Advisers Act (Cap. 110) (“FAA”) and the Securities & Futures Act (Cap. 289) (“SFA”) within the jurisdiction of the Republic of Singapore and in accordance with the licenses granted by MAS
  • 鑫盟理财私人有限公司( “鑫盟理财”)持有由新加坡金融管理局(“MAS”)所颁发的牌照，并许可在新加坡共和国境内依据财务顾问法（第110章）和证券与期货交易法（第289章）进行财务咨询等相关业务
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  • Such documents and information are provided by Financial Alliance Pte Ltd (“FAPL”) is for general information only and is not intended for anyone other than the recipient.
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  • It does not take into account the specific investment objectives, financial situation or particular needs of any particular person.
  • 此类文件和信息不会把-个人投资目标，财务状况或其特定需求等考虑在内。
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  • These documents may not be published, circulated, reproduced or distributed in whole or in part to any other person without FAPL’s prior written consent.
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  • 鑫盟理财无意在分发，出版或使用此类文件可能违反当地法律，或本公司及关联公司或关联人士需要注册，获得许可或符合规定的司法权区向当地人士分发、出版此类文件或供其使用。
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In compliance with the Personal Data Protection Act, Financial Alliance Pte Ltd (“FAPL”) seek your consent to collect and use your personal data (e.g. name, NRIC, contact numbers, mailing addresses, email addresses and photograph) for the purposes of and in accordance with FAPL’s Data Protection Policy, which can be found on FAPL’s website at https://fa.com.sg/data-protection-policy/.

根据《个人数据保护法》，鑫盟理财私人有限公司征求您的同意向您收集并使用您的个人信息。鑫盟理财将根据公司的个人数据保护政策所阐述的用途使用您的个人资料（例如姓名，证件号码，联系电话，邮寄地址，电邮地址和照片）。 该政策可在本公司网站上查寻，网址为 https://fa.com.sg/data-protection-policy/.

By submitting this form, you are deemed to have read and understood FAPL’s Personal Data Policy.

提交此表格，即表示您已阅读并理解鑫盟理财私人有限公司的个人数据政策