服務項目
服務項目Insurance Planning
High-net-worth clients, because they possess substantial assets and bear responsibility for their employees, have insurance needs that are fundamentally different from those of the general public.
In terms of protecting against the business owner’s personal accidents, corporate liabilities, the owner’s medical needs, and employee medical coverage, their risk management and insurance planning considerations are distinctly unique.
Below is a summary outlining the meaning and purpose of six major types of life insurance.
1. Asset Protection
Business owners almost inevitably face the possibility of litigation. Insurance policies provide a degree of asset protection. In practice, however, a policy may still be subject to provisional attachment or compulsory enforcement.
A life insurance contract, because it generally contains a savings component, is regarded as a property right and may serve as an object of compulsory execution. However, in current judicial practice, when a creditor applies for provisional attachment or compulsory enforcement, the court typically permits only the seizure of the debtor’s exercisable rights under the policy. These rights may include policy surrender, policy loans, changes of policy owner or beneficiary, amendments to contract terms, or policy conversion.
As for the policy’s cash value (policy reserve), courts often reject a creditor’s request to issue a seizure order on the grounds that “the policy reserve of a life insurance contract belongs to the insurer (the insurance company). Upon formal review, the enforcement court determines that it does not constitute the debtor’s attachable property.”
2. Wealth Firewall
Segregating Business and Family Assets:
Insurance can establish a firewall between family finances and business finances.
Even if a business fails, insurance can help ensure that you and your family are still provided for — preserving security, stability, and a place to call home.
3. An Additional Source of Capital for Business Recovery
4. Retirement Fund – Another Reserve Pool of Capital
The late “God of Management,” Wang Yung-ching, once said:
5. Tax Planning
An inheritance often triggers tax liabilities. While estate tax systems and rates vary from country to country, when a high proportion of wealth is tied up in assets and cash liquidity is insufficient, estate taxes can significantly deplete available cash — creating liquidity pressure and the risk of inadequate funds for urgent needs.
6. Wealth Succession
Review Your Insurance Planning
Are your insurance products sufficient to protect your lifestyle when you need it most? True protection should not only provide security at critical moments, but also be sustainable over the long term — delivering lasting value and satisfaction.
To achieve this goal, every consultant in our firm remains attentive to our clients’ evolving needs at all times. We always act in our clients’ best interests and maintain in-depth knowledge of each insurance product, enabling us to help you select the coverage solutions best suited to your circumstances.
Establishing an Insurance Plan
We can help you:
Clearly define your risk management objectives and recommend appropriate risk management solutions.
2. Family Financial Security Planning and Personal Insurance Planning
Living expenses for surviving family members
Retirement income planning
Home purchase funding
Children’s education and marriage funds
Emergency reserve funds
3. Providing Personal Insurance and Wealth Management Planning
Tax advantages under income tax laws
Tax benefits under estate tax laws
Legal regulations related to inheritance
Legal regulations related to gifting
The role and contribution of life insurance in gift and estate planning
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