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在现实生活中,当保险事故一旦发生时,保险受益人常常会因为如下情形不能妥善处理保险金:年纪太小或心智有障碍、对法定监理人或监护人妥善保管保险金能力有质疑、各受益人间利益相冲突等。由此,保险受益人虽然形式上拥有保险金,但实际上有可能非但享受不到保险金的利益,反而有可能造成挥霍浪费或受益人彼此间的对立,甚至引来歹徒的觊觎。正因如此,如果将人寿保险与信托相结合,不仅能使保险受益人享受到应有的权益,还能获得人寿保险信托带来的其它好处。
In real life, when an insured event occurs, the insured beneficiary often can not properly handle the insured due to the following circumstances: young or mentally handicapped, the statutory supervisor or guardian of the custody of the ability to keep the money in doubt, benefit from Conflicts between the interests of the world. As a result, although the beneficiaries of insurance formally own the insurance money, they actually may not only enjoy the benefits of insurance but may waste their money or oppose each other, or even lead to criminals. Because of this, combining life insurance with trust not only benefits the beneficiaries but also benefits from the life insurance trust.