因为涉及到遗产税的问题,不知道如何选ownership,想请教:
1. 如果insured和owner是一个人的话,会有遗产税问题,所以网上建议夫妻互为owner,就是cross ownership吧。但是这种情况下,如果owner先于insured过世,这个policy就没有owner了。
2. 如果是joint ownership with rights of survivorship: insured-A; beneficiary-B; owner-A and B;
1) B先去世,A应该得到100%的ownership
2) A先去世,也就是insured去世了,这种情况下,受益人B还能拿到100% ownership,从而不交遗产税吗?
3. 是否可以用contingent owner: insured-A; beneficiary-B; owner-B and contingent owner-A