| Life Insurance Trust is a kind of financial product which is acollection of insurance and trust, and a new way for the cooperation ofinsurance industry and the trust industry. It has the functions of protectionof limited civil capacity for the legitimate rights and interests, professionalfinancial management, property isolation and tax optimization. Lifeinsurance trust business in the United States, Japan and Taiwan region hasbeen implemented for many years,which plays an important role in theprotection of policyholders of life, health and safety.Besides,trustmanagement of insurance funds, under the trust document, is order toachieve the purpose of increasing the value of the insurance money. Thatis to say, life insurance trust not only has functions of the insurer, propertymanagement, but also the function of distribution of property.Life insurance trust business in different countries has different types,which is in association with legal system, monetary policy and the taxsystem. This shows that the life insurance trust has a regional. Now, Chinais still not carried out a life insurance trust business, however, the lifeinsurance trust business is bound to have a broad marketwith economicdevelopment. This article hopes to provide some help for domestic lifeinsurance trust business in the theory and practice, the introduction of thebusinessPart one: This chapter, beginning with the basic concepts of the lifeinsurance trust, explains the meaning of a life insurance trust, types,functions and nature,straightens out the basic legal relationship of the lifeinsurance trust business, has the legal conditions for the implementation of life insurance trust business.Part two: This chapter focuses on the legal qualification of the lifeinsurance trust party's rights and obligations, and further analysis of thelegal restrictions of the Life Insurance Trust Second Trust on the basis ofthe life insurance trust.Part three: This chapter analyzes the operating environment of theUnited States, Japan and Taiwan, China Life Insurance Trust system, andfurther analyzes the different type of business.Part four: This chapter has studied the plight of the theory, practice,and regulatory aspects of the life insurance trust on the basis ofcomparative analysis of foreign experience, hoping to put forward theproposal of the implementation of the law of the life insurance trustbusiness in China. In the end, I hope the shallow study of the lifeinsurance trust business can be beneficial for China's life insurance trustbusiness. |
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