在选择人寿pp王者电子官网或其他金融账户的受益人时要考虑什么

What is a beneficiary?

A beneficiary is an individual, 由账户持有人或保单持有人指定的实体或信托，在账户持有人或保单持有人去世时从人寿pp王者电子官网单或金融账户(如养老金或退休账户)中获得利益或收益. The recipient is legally entitled to receive the funds. Depending on the account, the distribution may be tax-free.

• Beneficiaries for a life insurance policy. 人寿pp王者电子官网单的所有人将指定pg电子官方网页版去世后希望在经济上保护的受益人或实体. 这些受益人领取死亡抚恤金，可用于各种目的, such as paying off debts, covering funeral expenses or simply as financial support.
• Beneficiaries of financial accounts. 一般, 退休账户或养老金的受益人是未亡配偶, unless the spouse waives that right. 一些退休账户或计划在指定受益人方面可能有不同的规定. 向你的雇主或金融机构咨询有关你的计划的规定. 对于这些账户类型，受益人还决定如何使用资金. 对于其他金融账户，如投资或定期存单，规定的限制就不那么严格.

Why is choosing a beneficiary important?

When you have accounts like life insurance policies, 投资, 养老金计划 and retirement accounts, it is important to designate a beneficiary. 你死后，这些账户的收益一般会直接归受益人所有 绕过遗嘱认证这可能是一个缓慢而昂贵的法律程序，在你去世后分配你的资产. 指定受益人可以让你实现你的意图，并可能避免在你去世时家庭成员之间的一些冲突. In addition, t在这里 is usually flexibility for beneficiary designation. 你可以随时查看受益人名单，并根据你生活中优先事项的变化进行调整.

Tips to consider when selecting a beneficiary

选择受益人是一个非常个人的决定，每个人都不一样. 在某些情况下, people want to use a death benefit to help protect their loved ones, and others might see it more as a financial transaction. 这里有一些建议，要记住，当你选择你的受益人.

• Insurable interest -被指定为受益人的个人或实体必须与被pp王者电子官网人有pp王者电子官网利益. While the insured generally has the right to name any beneficiary, 双方之间必须仍然存在合法的经济利益. 在很多情况下, beneficiaries rely on the insured for financial support, such as the spouse or dependent children, 因此，双方之间存在明显的经济利益和pp王者电子官网目的.
  
• 年龄 – Many insurance companies, 养老金计划, and retirement accounts 将 not pay benefits to someone under age 18. 一个更好的选择可能是为未成年人创建一个信托，并指定一个受托人来管理这个账户，直到孩子达到你在信托中指定的年龄.
  
• Ability to 管理资金 – If your beneficiary is not able to 管理资金,可以考虑 establishing a trust and name a trustee to invest and disburse funds on their behalf.
  
• 应急 -指定一个第二受益人，这样如果你的第一受益人在你之前去世, 账户收益直接转给第二受益人，无需遗嘱认证.
  
• 选项 – Your beneficiary can be a spouse, child, or other individual(s); a trust; a 慈善机构 或组织. If you don't specify a beneficiary, 你的财产将归入你的遗产，并按照你的意愿进行分配 将.
• 状态 or policy life insurance beneficiary rules -一些州或pp王者电子官网公司可能会限制你可以指定谁作为受益人. 咨询律师，为这些州的具体问题提供法律指导.
• 房地产 as a beneficiary – It's usually not recommended to name your 房地产 作为受益人，因为这样做意味着这些资产可能要接受遗嘱认证.

Don't "set it and forget it"

Because so many things can change throughout life, 考虑每隔几年检查一下你的受益人指定-在生活事件发生后，比如 marriage, the birth of a child, adoption, divorce, remarriage or death — to confirm they're current. 否则，你可能会把遗产留给前配偶或在你之前去世的人.

从法律或税务顾问那里获得有关受益人的具体信息. 请与您的代理人或pp王者电子官网公司联系，更改受益人名称.

获取报价 term life insurance — if you are interested in additional life products, please contact a 状态 Farm® agent.