保单受益人~~~

Fighter1

想请问 ， 如果保单受益人不是本人的家人或亲戚 ， 那保险公司会接吗 ？

谢谢~~~

HLL023

请问如果保险受益人不是投保者的父母,配偶,或孩子,如何确保此保险受益人benifiacially获得保险金?

宝之林

1）委托一个值得相信的信托人
2）保单转让给受益人
3）立遗嘱
你喜欢哪一个。。。

chen78

如果保险受益人不是投保者的父母,配偶,或孩子。那就是属于Non Trust Nominees.

要确保此保险受益人benifiacially获得保险金。

你有两个选择：
1. Absolute Assignment
2. Conditional Assignment

bryanlo1282

是接受的。

Fighter1

回复 2# bryanlo1282


    谢了 ~~~

GeMan

回复 1# Fighter1

虽然保险公司接受任何保客的提名（nomination），但不代表他们自动是受益人（beneficiary）。

如LZ的例子，保单nomination不是保客的家人（父母 或 配偶子女），那么他（们）就肯定不是受益人（beneficiary）; 他（们）只是执行人（executor），到时候拿了钱，还要把钱拿出来分给法定受益人。

jackchp

根据马来西亚保险法令1996（指针对section 166 trustee of  policy moneys)

166. (1) A nomination by a policy owner, other than a Muslim
policy owner, shall create a trust in favour of the nominee of
the policy moneys payable upon the death of the policy owner,
if—
(a) the nominee is his spouse or child; or
(b) where there is no spouse or child living at the time of
nomination, the nominee is his parent.

(2) Notwithstanding any written law to the contrary, a payment
under subsection (1) shall not form part of the estate of the deceased
policy owner or be subject to his debts.

(3) The policy owner, by the policy, or by a notice in writing
to the licensed insurer, may appoint trustees of the policy moneys
and where there is no trustee—
(a) the nominee who is competent to contract; or
(b) where the nominee is incompetent to contract, the parent
of the incompetent nominee and where there is no surviving
parent, the *Public Trustee,
shall be the trustee of the policy moneys and the receipt of a
trustee shall be a discharge to the licensed insurer for all liability
in respect of the policy moneys paid to the trustee.

Nominee other than a nominee under subsection 166(1)
167. (1) A nominee, other than a nominee under subsection 166(1),
shall receive the policy moneys payable on the death of the policy
owner as an executor and not solely as a beneficiary and any
payment to the nominee shall form part of the estate of the deceased
policy owner and be subject to his debts and the licensed insurer
shall be discharged from liability in respect of the policy moneys
paid.
(2) Subsection (1) applies to a nominee of a Muslim policy
owner who, on receipt of the policy moneys, shall distribute the
policy moneys in accordance with Islamic law.

回复楼主的疑问，
保险金将会根据是section 167来做分配。。
你所指的朋友只是提名人/执行人（不是受益人），他必须根据大马分配法令来做 执行

Fighter1

回复 5# jackchp


    如果受益人不要放自己的家人 ， 那岂不是着保单不受承认 ？

jackchp

回复 6# Fighter1

我不是很明白你所指的保单不受承认是指哪一方面？？
保单是有效。。。只是保险金应该属于谁。。。

或者你让我们知道，保险金到最后你希望去到谁的手上？
如果是朋友，我个人建议应该写遗嘱来分配这一笔保险金。。。

kteng7739

用absolute assignment 。。但不鼓励这样做

Fighter1

回复 7# jackchp


   我想保险金去到我朋友手上 ， 而不是我家人那边 ， 有可能吗？ 有这样的保单吗 ？

jackchp

回复 9# Fighter1


你方面pm 我，为何你要这样做吗？
让我先了解先，我再教你如何做。。。

kteng7739

回复 10# jackchp
有什么lz 就放出来这里交流。。。做么要pm 来pm 去

6. What is an Absolute Assignment?                                                             
It is the transfer of ownership of a life assurance policy to a separate entity [assignee]. The assignee becomes the new policy owner and the assignor has no further rights thereunder. However, premiums continue to be payable by the Payer.

你可以这样处理，但一旦签了，所用保险利益都会归你朋友。。。。(如果要反悔，记得叫你朋友pre-sign 多一个absolute assignment 把利益给回你)

jackchp

回复 11# kteng7739


    有时候是需要顾虑到人家的私隐。。。。

kteng7739

回复 12# jackchp
当他要问东西，你不觉得讲一点不讲一点很?

Fighter1

回复 13# kteng7739


    首先要谢谢jackchp给我意见。

但不是我提议 pm 来 pm 去的咯 ~~~

jackchp

回复 14# Fighter1

版主是在讲我。。。不是讲你。。。

Fighter1

回复 15# jackchp


   

win20282002

回复 11# kteng7739


可以選擇做條件性轉讓的 (conditional assignment) 受讓人只有在轉讓人(投保人)去世後才有執行保單的權力.