EPISODE · Jun 18, 2025 · 13 MIN
EP2｜保險秘辛 保單的7大價值-預留稅源
from 保險秘辛 · host 楊紘業
許多人在做資產傳承時忽略了一項關鍵：保單不只是保障，更能成為預留稅源的工具。根據《保險法》第112條，指定受益人可不經遺產流程，直接領取保險金，也就意味著：可由「遺產內」轉為「遺產外」，有效避開遺產稅計算。 舉例來說，若未指定受益人，保險金就會計入遺產，依法課稅；但若事先規劃為特定指定受益人，則可不列入遺產總額，亦不需透過遺囑或分割程序，實現資金快速到位。這就是計入 vs. 不計入、法定繼承 vs. 指定受益的關鍵差異。 本集將深入分析這些策略背後的法源依據與操作技巧，讓你用保險聰明安排「留得剛剛好、不多也不少」的資產傳承。📩 歡迎留言或私訊索取實例解析！ LINE: @976vxdic Email: [email protected] Powered by Firstory Hosting
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EP2｜保險秘辛 保單的7大價值-預留稅源
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