為什麼要改變人壽保險政策的所有權？
為什麼要改變人壽保險政策的所有權？
 Ownership of a life insurance policy is generally changed for estate tax purposes so the proceeds are not included in the calculation of the estate. This is commonly seen in placing the policy in an ILIT (irrevocable life insurance trust - the trust becomes the owner and beneficiary of the policy, controlling how the proceeds are distributed). Ownership may also change because the owner passed away (if the owner is not the insured on the policy).
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