Liechtenstein Life Insurance

Liechtenstein life insurance: Smart hedging strategies with full design control over assets and contract life insurance as an instrument of individual estate planning and retirement plans require careful planning. Professionally designed, in particular life insurance in Liechtenstein offer interesting opportunities for entrepreneurs. The cross insurance and connected life”represent two of the possible and inheritance – tax-optimised hedging strategies. The cross insurance: life insurance on the life of (spouse) a so-called cross insurance married or living in a registered partnership entrepreneurs can take advantage of private. Life insurance on the lives of the other partner is ideal for the construction of assets and family age before so-called and targeted succession planning.

While both spouses/life partners each complete their own policy on the life of the other (spouse) partner. Policyholders and rightful the respective partner itself, is insured is the other partner. (Death of the other partner) paid the policyholder receives the sum insured spouse/life partner in his property, without having this inflow or purchase einkommen – or subject to inheritance tax. By making such contract compliance enables the surviving spouse of the entrepreneur reserved portion claims, without the family assets to sell or move out of the own-use real estate. An extension of contracts involving children or close relative is also possible. Essential is the spouse of your assets and the insurance contract to retain the full design control. Related life insurance are an although einkommensteuerfrei, but not completely inheritance tax free alternative designs with associated life insurance companies.

In contrast to the above variant includes the entrepreneur and his spouse a Life insurance on the lives of the first deceased co-insurance employee – spouses the spouses forming a community in that regard. This strategy is especially if the other entrepreneurs is spouse unable to finance its own life insurance. Would the premiums paid the spouses by the entrepreneur, these would be subject to gift tax.

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