LG昨晚告诉我，他要买保险，一半受益人是他妈，一半是他孩子。
我不知道自己应该感叹什么...找了一个这么孝顺的儿子
总之我是一边儿凉快的那个
39 条回复
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#1
有点过了，新加坡遗产法，通常配偶是第一受益人。通常配偶是第一受益人。
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#2
我之前买保险，中介说婚前受益人可以写父母，婚后就是写配偶的。
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#3
拿他的钱再给他买一份！受益人全部写自己！受益人全部写自己！
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#4
这主意好还要再买一份，写孩子和楼主父母还要再买一份，写孩子和楼主父母
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#5
哈哈 lz老公社会新闻看多了，害怕被你谋杀骗保险？xmlzjxmlzj
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#6
我也是这样觉得…xmlzjxmlzj
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#7
你有没有问他我！！！怎！！！么！！！办！！！我！！！怎！！！么！！！办！！！
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#8
lz老公估计准备大部分遗产给lz，保险金全部给父母和子女吧只是这么大的事，都没有和lz好好商议，感觉需要被lz修理一下，写份10000字检讨什么~只是这么大的事，都没有和lz好好商议，感觉需要被lz修理一下，写份10000字检讨什么~
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#9
这样的保险支出得赶上月供了吧。很多场外因素需要考虑的。
比如楼主是不是无依无靠，老公万一意外之后只能靠保险赔款过活。
保险投资，写谁，不应该从情感角度，而是从理性考量。如果有必要写爹妈写孩子就随他吧。
楼主宽宽心。你老公意外只是一个假设啊，如果没有意外，哪来的赔款？赔款给谁又有什么重要的呢。
可以先听听他为什么这么放，再杀他不迟。很多场外因素需要考虑的。
比如楼主是不是无依无靠，老公万一意外之后只能靠保险赔款过活。
保险投资，写谁，不应该从情感角度，而是从理性考量。如果有必要写爹妈写孩子就随他吧。
楼主宽宽心。你老公意外只是一个假设啊，如果没有意外，哪来的赔款？赔款给谁又有什么重要的呢。
可以先听听他为什么这么放，再杀他不迟。 -
#10
目测楼主平时对老公太凶了...
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#11
另外就是, 婚姻状况改变,如未婚到已婚受益人要重新指定, 原来的会无效
离婚就不知道.受益人要重新指定, 原来的会无效
离婚就不知道. -
easy123 楼主#12
问啦，我们还有几十万的房贷没有还完呢！不过，他说他同事的爸爸因病去世，同事爸妈的房贷还是要还的，与买房时说交过一种保险就不用还，矛盾。有懂行的解释一下吗不过，他说他同事的爸爸因病去世，同事爸妈的房贷还是要还的，与买房时说交过一种保险就不用还，矛盾。有懂行的解释一下吗
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#13
孝子慈父啊！怕你拿了钱做嫁妆立马改嫁。留下祖孙二代喝西北风。
乱说而已，不要当真怕你拿了钱做嫁妆立马改嫁。留下祖孙二代喝西北风。
乱说而已，不要当真 -
#14
其实普通的保险购买过程中是不会涉及到受益人这个环节新加坡的法律规定，
第一受益人是配偶
第二受益人是子嗣
之后才能排到父母
上面的这个顺序是by default
意味着除非他单独的申请change of beneficiary，不然是不会排到其他人的新加坡的法律规定，
第一受益人是配偶
第二受益人是子嗣
之后才能排到父母
上面的这个顺序是by default
意味着除非他单独的申请change of beneficiary，不然是不会排到其他人的 -
#15
恩娘娘很理性我那么说也是开玩笑。其实老公要是分析一下为什么自己要这么做，楼主应该也不会心塞，说不定还同意了。。。。沟通能造就奇迹啊~沟通真的很重要我那么说也是开玩笑。其实老公要是分析一下为什么自己要这么做，楼主应该也不会心塞，说不定还同意了。。。。沟通能造就奇迹啊~沟通真的很重要
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#16
原因只有一个：楼主年轻貌美有能力，即使你老公去了，你也可以自己过好，或者改嫁一个高帅富。
楼主年轻貌美有能力，即使你老公去了，你也可以自己过好，或者改嫁一个高帅富。 -
#17
买房时买的保险如果是房贷保险看房贷保险的保障额度买的是多少，比如买的50%房贷额，那么一方身故的情况，所欠房贷的50%由房贷保险偿还，其余50%需要配偶另一方继续偿还；如果买的100%，则所欠房贷全部由保险支付，也就是另一方不用再还。
如果买的不是房贷保险，而是其他类型保险，自然就没有免掉房贷一说，而是看所买的保险保障内容以及保额进行相应的赔付。如果是人寿保险有赔付，受益人拿到钱可以自由选择用于偿还房贷或其他用途。看房贷保险的保障额度买的是多少，比如买的50%房贷额，那么一方身故的情况，所欠房贷的50%由房贷保险偿还，其余50%需要配偶另一方继续偿还；如果买的100%，则所欠房贷全部由保险支付，也就是另一方不用再还。
如果买的不是房贷保险，而是其他类型保险，自然就没有免掉房贷一说，而是看所买的保险保障内容以及保额进行相应的赔付。如果是人寿保险有赔付，受益人拿到钱可以自由选择用于偿还房贷或其他用途。 -
#18
肾炎不知道的少说。不知道的少说。
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#19
如果有遗嘱，则按遗嘱分配处理。如果没有遗嘱，则按遗产继承法分配。如果没有遗嘱，则按遗产继承法分配。
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#20
楼主也可以买一份保险，受益人是你们的孩子，你的父母再加你的老公
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easy123 楼主#21
保险没有收益人，接受者都是被伤害者呵呵，谢谢大家捧场，我很少发表言论，第一次被关注不知所措。
其实保险没有收益人，接受者都是被伤害者。他能为身后人打算说明是有担当之人。我们已不惑之年又有2个孩子，理应有所考虑。就像近年每次做飞机前都会告诉他，万一他拿到赔偿金，一定要把我们的一个孩子给我的父母，因为我是独女，我觉得只有这样才能给我父母继续活下去的希望，而不是钱。呵呵，谢谢大家捧场，我很少发表言论，第一次被关注不知所措。
其实保险没有收益人，接受者都是被伤害者。他能为身后人打算说明是有担当之人。我们已不惑之年又有2个孩子，理应有所考虑。就像近年每次做飞机前都会告诉他，万一他拿到赔偿金，一定要把我们的一个孩子给我的父母，因为我是独女，我觉得只有这样才能给我父母继续活下去的希望，而不是钱。 -
#22
不知道这个算不算理解错误?Q: What happens to my nomination upon marriage?
A: Your nomination will be revoked upon marriage.
Q: What happens to my nomination upon divorce?
A: Divorce does not revoke your nomination. This is because you may still wish to provide for your ex-spouse and children. You can choose to make a new nomination tQ: What happens to my nomination upon marriage?
A: Your nomination will be revoked upon marriage.
Q: What happens to my nomination upon divorce?
A: Divorce does not revoke your nomination. This is because you may still wish to provide for your ex-spouse and children. You can choose to make a new nomination t -
#23
跟你说了不知道的少说的，CPF Nomination跟Insurance Nomination不一样。Will也不一样。Will也不一样。
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#24
楼主lg的妈妈是不是没有收入来源？会不会你先生觉得万一有什么事情你还能养活你自己，而他妈妈没有人赡养了？然后他把你跟孩子看作一体（毕竟孩子跟妈妈生活的话钱也是妈妈支配吧？），他自己妈妈看作单独一体，所以他觉得他每个人都照顾到了。。。
所有这些大家的回复都是猜测，还是沟通最重要，问清楚他到底怎么想的，并且讲清楚为啥身为老婆会觉得有点寒心…有些男人真的是你不讲他完全体会不到老婆们百转千回的心思啊!！！会不会你先生觉得万一有什么事情你还能养活你自己，而他妈妈没有人赡养了？然后他把你跟孩子看作一体（毕竟孩子跟妈妈生活的话钱也是妈妈支配吧？），他自己妈妈看作单独一体，所以他觉得他每个人都照顾到了。。。
所有这些大家的回复都是猜测，还是沟通最重要，问清楚他到底怎么想的，并且讲清楚为啥身为老婆会觉得有点寒心…有些男人真的是你不讲他完全体会不到老婆们百转千回的心思啊!！！ -
#25
三分之一父母，三分之二老婆和孩子这样是合理的。这样是合理的。
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#26
遗嘱大过天，另外如果他指明受益人，不给配偶，也没办法
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#27
胡说八道保险的受益人(beneficiary)是可以自己定的。而且如果你有2个保险，受益人也可以是不同的。受益人甚至不需要是亲属。
nomination of beneficiary有两种：revocable nomination或者irrevocable nomination.要了解的话可以自己查查保险的受益人(beneficiary)是可以自己定的。而且如果你有2个保险，受益人也可以是不同的。受益人甚至不需要是亲属。
nomination of beneficiary有两种：revocable nomination或者irrevocable nomination.要了解的话可以自己查查 -
#28
呵呵呵, 和你说的一样!will 和Nomination 完全不是一回事啊, 可以相提并论吗?
marriage status change, 你自己去查
will 和Nomination 完全不是一回事啊, 可以相提并论吗?
marriage status change, 你自己去查 -
#29
您这种性格,作为保险从业员好像,不太合适啊,所谓婚姻状态和提名受益人的关系, 不光是CPF, 也不光是坡县, 如果贵公司不清楚, 是贵公司的问题, 这里有其他的案例:
We Have Faced Biggest Problem In One Of Our Employee Death Last Month On November - 2011, He Married In August - 2010 But He Didnot Changed His Nomination After Marriage, But Today He Having Family Means His Wife And His 5months Child, But In PF Nomination Form 2 He Nominated His Mother, In This Case After A Long Studied About Act And We Get That If A Member Has A Family At The Time Of Making A Nomination, The
Nomination Shall Be In Favour Of One Or More Persons Belonging To His Family.
Any Nomination Made By Such Member In Favour Of A Person Not Belonging To His
Family Shall Be Invalid.
Provided That A Fresh Nomination Shall Be Made By The Member On His
Marriage And Any Nomination Made Before Such Marriage Shall Be Deemed To Be
Invalid.
It is always considered that for Unmarried persons the Nominee will be Father and/or Mother and for Married Persons Wife and children and then Parents. If the legal heir of the deceased is available then as per that wife and 2 other members will be entitled for PF Pension. That's the reason we used to give wife, youngest 2 children or mother then finally father and the eldest son.
In my openion we need the understand the santance once again
Provided that a fresh nomination shall be made by the member on his
marriage and any nomination made before such marriage shall be deemed to be
invalid
I think this means - Nomination made before the marriage shall stand invalid once the fresh nomination made after marriage (See the word provided). In case no nomination made after marriage than nomination made before marriage shall stand valid.
If a member is married and even if no fresh nomination is submitted, the wife automatically becomes the nominee and any nomination made prior to his marriage is invalid. Hence the wife and the child are eligible to get his PF amount after the sad demise of the member.所谓婚姻状态和提名受益人的关系, 不光是CPF, 也不光是坡县, 如果贵公司不清楚, 是贵公司的问题, 这里有其他的案例:
We Have Faced Biggest Problem In One Of Our Employee Death Last Month On November - 2011, He Married In August - 2010 But He Didnot Changed His Nomination After Marriage, But Today He Having Family Means His Wife And His 5months Child, But In PF Nomination Form 2 He Nominated His Mother, In This Case After A Long Studied About Act And We Get That If A Member Has A Family At The Time Of Making A Nomination, The
Nomination Shall Be In Favour Of One Or More Persons Belonging To His Family.
Any Nomination Made By Such Member In Favour Of A Person Not Belonging To His
Family Shall Be Invalid.
Provided That A Fresh Nomination Shall Be Made By The Member On His
Marriage And Any Nomination Made Before Such Marriage Shall Be Deemed To Be
Invalid.
It is always considered that for Unmarried persons the Nominee will be Father and/or Mother and for Married Persons Wife and children and then Parents. If the legal heir of the deceased is available then as per that wife and 2 other members will be entitled for PF Pension. That's the reason we used to give wife, youngest 2 children or mother then finally father and the eldest son.
In my openion we need the understand the santance once again
Provided that a fresh nomination shall be made by the member on his
marriage and any nomination made before such marriage shall be deemed to be
invalid
I think this means - Nomination made before the marriage shall stand invalid once the fresh nomination made after marriage (See the word provided). In case no nomination made after marriage than nomination made before marriage shall stand valid.
If a member is married and even if no fresh nomination is submitted, the wife automatically becomes the nominee and any nomination made prior to his marriage is invalid. Hence the wife and the child are eligible to get his PF amount after the sad demise of the member. -
#30
再来,这个是新加坡law了http://www.lawsociety.org.sg/forPublic/YoutheLaw/MakingaWill.aspx
If you marry or remarry, your Will is nullified or cancelled unless the Will was made in contemplation of your marriage.
marry or remarry 不但影响CPF的nomination, 连will都会被cancelled!http://www.lawsociety.org.sg/forPublic/YoutheLaw/MakingaWill.aspx
If you marry or remarry, your Will is nullified or cancelled unless the Will was made in contemplation of your marriage.
marry or remarry 不但影响CPF的nomination, 连will都会被cancelled! -
#31
非也如果遗嘱是婚前或再婚前立的, 婚姻状态改变也会影响遗嘱的效力,除非改变之后重新确认.
If you marry or remarry, your Will is nullified or cancelled unless the Will was made in contemplation of your marriage.
http://www.lawsociety.org.sg/forPublic/YoutheLaw/MakingaWill.aspx如果遗嘱是婚前或再婚前立的, 婚姻状态改变也会影响遗嘱的效力,除非改变之后重新确认.
If you marry or remarry, your Will is nullified or cancelled unless the Will was made in contemplation of your marriage.
http://www.lawsociety.org.sg/forPublic/YoutheLaw/MakingaWill.aspx -
#32
真的是一轴到底啊上下文说的都是保险的受益人制定，Insurance Nomination。
而不是CPF Nomination，也不是Will遗嘱。
你从CPF网站上片面的截取一段关于CPF Nomination的资料，还有搜索了好多关于Will遗嘱的法律条文，跟上下文说的保险受益人指定有什么关系啊？
你去搜索一下Insurance Nomination，两种，一个叫做49L Trust Nomination，一个叫做49M Revocable Nomination。
上下文说的都是保险的受益人制定，Insurance Nomination。
而不是CPF Nomination，也不是Will遗嘱。
你从CPF网站上片面的截取一段关于CPF Nomination的资料，还有搜索了好多关于Will遗嘱的法律条文，跟上下文说的保险受益人指定有什么关系啊？
你去搜索一下Insurance Nomination，两种，一个叫做49L Trust Nomination，一个叫做49M Revocable Nomination。 -
#33
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#34
恭喜恭喜啊，您终于找到正地方了啊。LOLLOL
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#35
坡县是有点特别的--2007 MAS 所以各位和保险代理人谈,小心2 Effect of marriage and divorce on nominations
2.1 Some respondents asked if nominations would be revoked by marriage or divorce.
MAS’ Response
2.2 In the case of a trust nomination, marriage and divorce will not have any effect on the
nomination. This is because such a nomination will create an irrevocable trust around the
policy in question for the protection of the named beneficiaries.
2.3 Marriage and divorce will also not have any effect on a revocable nomination. This is
consistent with the intent of allowing policy owners to maintain control over revocable
nominations as such nominations are revoked only if the policy owner chooses to do so, or
under certain circumstances prescribed in the Bill (e.g. when the policy in question is
assigned by the policy owner or when all beneficiaries pre-decease the policy owner). 2 Effect of marriage and divorce on nominations
2.1 Some respondents asked if nominations would be revoked by marriage or divorce.
MAS’ Response
2.2 In the case of a trust nomination, marriage and divorce will not have any effect on the
nomination. This is because such a nomination will create an irrevocable trust around the
policy in question for the protection of the named beneficiaries.
2.3 Marriage and divorce will also not have any effect on a revocable nomination. This is
consistent with the intent of allowing policy owners to maintain control over revocable
nominations as such nominations are revoked only if the policy owner chooses to do so, or
under certain circumstances prescribed in the Bill (e.g. when the policy in question is
assigned by the policy owner or when all beneficiaries pre-decease the policy owner). -
#36
有空再读这个, 好玩http://www.sal.org.sg/digitallibrary/Lists/SAL%20Journal/Attachments/191/1997-9(1)-SAcLJ-082-Ong.pdfhttp://www.sal.org.sg/digitallibrary/Lists/SAL%20Journal/Attachments/191/1997-9(1)-SAcLJ-082-Ong.pdf
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#37
恭喜恭喜啊，您又找到正地方了啊。LOL。LOL。
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#38
你是业内人, 如果按你的知识LZ老公可以提名他母亲做trust nomination吗?
1)Policy Owner and the Life Insured must be same person and be at least 18 years old.
2)Nominee must be your spouse/child. “Child” means legitimate child, an illegitimate child, a stepchild or an adopted child
要不大家都表错情?LZ老公可以提名他母亲做trust nomination吗?
1)Policy Owner and the Life Insured must be same person and be at least 18 years old.
2)Nominee must be your spouse/child. “Child” means legitimate child, an illegitimate child, a stepchild or an adopted child
要不大家都表错情?