偶発的な受益者 は、主たる受益者が何らかの理由で資産を受け取ることができない場合に死亡した人の資産を受け取る人、財産、または信託です。
弁護士は、クライアントが少なくとも1人の偶発的な受益者を受け入れる意思を持っている場合に一般的に推奨されます。
複数の条件付き受益者がいる可能性があり、指定された順序でリストすることができます。
人が死んだ後、彼または彼女の資産は通常、検認を通過します。主たる受益者と偶発的な受益者が指名されれば、検認プロセスを回避し、資産をより効率的に相続人に渡すことができます。
偶発的受益者は生命保険契約プロセスの最も重要な要素の1つですが、通常、最も混乱して誤解されている要素の1つです。間違いや誤解があると、将来的に多くの問題が発生し、愛する人に大きな頭痛の種を引き起こす可能性があります。
偶発的な受益者を指名することが重要である主な理由はいくつかあります。
受益者が銀行口座に割り当てられている場合、その口座の資産は他の誰かに譲渡する必要があると意志が述べている場合でも、所有者の死亡後、その受益者はその口座に対する権利を有します。
ポリシーの主な受益者は1人です。これは通常、配偶者またはパートナーです。彼らは保険契約者の死亡時に保険からの収入を受け取ります。亡くなった人の子供や他の家族や友人などの偶発的な受益者が指名され、主たる受益者が収入を受け取ることができない場合、次の列の人に渡されます。
遺言や保険契約で偶発的な受益者を選出することは、主たる受益者がそうすることができない場合に、生き残った愛する人が世話をされることを確実にする簡単な方法です。
また、保険契約者の死亡後、特別な目的や慈善団体に寄付する方法でもあります。資産の処分は、主たる受益者の死亡などの予期せぬ出来事によって複雑になることはありません。
たとえば、遺言によりすべての故人の資産が主たる受益者として配偶者に渡されたが、配偶者が資産を管理できない場合、それらは偶発的な受益者に渡される可能性があります。成人した子供、子供が生涯にわたって配偶者の世話をすることを条件とします。配偶者が亡くなった後、資産は子供に渡すことができます。
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生命保険に加入すれば、家族の面倒を見ることができます。万が一、大切な人の健康のために、大切な人に金銭的な巣を残しておくことをお勧めします。詳細については、州をクリックしてください。 はじめに There may be circumstances or stipulations that must be met before a contingent beneficiary may inherit the assets. The contingent beneficiary may need to finish college, reach a certain age or kick a drug habit, and only then they will receive the assets.
A policyholder and their primary beneficiary may die at the same time. This could happen in a car accident or natural disaster. If a contingent beneficiary has been named, the transfer of assets will be easier.
The next in line is usually someone who is financially dependent on the policyholder, but if there is no one dependent, the contingent beneficiary can be anyone else or a charity or cause. It is not advised to make the estate the contingent beneficiary of an inexpensive life insurance policy because the proceeds would be subject to the deceased’s creditors. Life insurance proceeds paid to a person are not usually subject to creditors.
If the primary beneficiary is the spouse, the contingent beneficiary may be a minor child. Consideration needs to be given as to who will manage the assets until the child reaches 18 or 21 years.
It is recommended to assign two guardians for the children including one guardian to manage the money and one guardian to look after the well-being of the child.
In policies from some of the best term life insurance companies, a person can assign a primary beneficiary, a contingent beneficiary, and a tertiary beneficiary. This is another kind of contingent beneficiary and only receives assets or proceeds from the estate or insurance company if all the primary and contingent beneficiaries are unqualified to receive the benefits or are deceased.
When a contingent beneficiary wants to claim assets, they need to provide a certified death certificate for the prime beneficiary and any other contingent beneficiaries that precede them on the list of succession as well as valid personal identification.
Each insurance company might require different documentation depending on their standards. When you name a secondary beneficiary, you need to ask what the requirements are going to be.
There are a few consequences for not naming beneficiaries.
Insurance proceeds could be subject to huge estate taxes if the policyholder names the spouse as sole beneficiary and there is no contingent beneficiary. If the insured outlives his or her spouse, by a few days if they are both in a car accident, the proceeds will pass to the estate incurring huge unnecessary taxes.
If you don’t name a beneficiary, your other family members or loved ones can lose thousands and thousands of dollars because of the taxes that are going to be placed on the payout from the policy.
The other problem is that your loved ones could struggle to actually get their hands on the money itself. Without naming a contingency, the company is going to have to determine who the money should go to, depending on your family situation, this could cause a lot of problems and delays.
A contingent beneficiary is a safety feature and a control device. It is the most practical way to control the future distribution of wealth. It’s a simple thing today, but not something that should be decided on lightly. You should spend a lot of time determining who your beneficiary should be.
It’s also something that you should continue to maintain. There are dozens of different life changes that could impact who you would want to name as your beneficiary, which means that once you’ve named the primary beneficiary, it could change years down the road. Don’t forget to look back at your policy and ensure that the beneficiary is still the valid recipient and the best choice for the policy payout.
Life insurance is the most important investment that you’ll ever make for your family and loved ones. You may ask yourself at what age should I get life insurance policy, of course, we recommend the younger the better because the more you age the more risk you are to having health problems, which will increase your premium rates. Purchasing life insurance at age 20 versus purchasing life insurance over the age of 50. Tomorrow is not the day to start your life insurance application. Begin the process today!
Time for the pop quiz! Hopefully, you know exactly what a contingent beneficiary is at this point. Not only should you know what it is, but hopefully you understand why YOU should name one.
If you want to learn more about life insurance or naming a contingent beneficiary, we researched and wrote about the process of getting life insurance. We are ready to answer those questions and ensure that you’ve got the best life insurance to fit your needs.