分配人壽保險是什麼意思？
分配人壽保險是什麼意思？
 The assignment of all or some a life insurance policy is often done as collateral security. The policy owner has the right to do this. There are many scenarios and planning techniques in which assignments are made. It occurs in split dollar arrangements and in situations involving indebtedness. To the extent that some amount of the death benefit was assigned to a third party, that party would receive that amount as a death benefit if death occurs during the existence of the agreement. Normally the assignment would be revocable meaning the policy owner can cancel the agreement at some point. But some estate planning methods involve irrevocable assignments. Policy assignments are also part of the process when a policy owner exchanges one life insurance policy with another. In order to ensure there is no gap in coverage during the process, an absolute assignment of the existing policy to the insurer that will issue the new policy is made. Completion of an exchange agreement with the insurer that will issue the new policy follows and then the new policy is issued before the old policy is surrendered.
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