人壽保險政策中的支出是誰？
人壽保險政策中的支出是誰？
 A spendthrift clause in some life insurance policies is intended to protect the beneficiary of the policy proceeds from creditors by paying the policy proceeds as periodic income rather than in a lump sum. Some policies allow the policy owner to select this settlement option for the beneficiary. Otherwise, the beneficiary selects this. The payout could be arranged as a fixed payment for as long as the money lasts or for a fixed period of time. The proceeds are then usually protected from creditors. Creditor protection via life insurance varies by state and may provide only limited protection. Contact your legal adviser for more on how this might apply in your situation.
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