Om \u2019n begunstigde op jou polis te benoem klink dalk voordiehandliggend: jy wil seker maak dat \u2019n sekere persoon, of dalk meer as een persoon, die uitbetaling ontvang as jy sterf. Daar mag egter strategiese finansi\u00eble redes wees wat jou besluit be\u00efnvloed as jy \u2019n begunstigde benoem, of in sommige gevalle, om ni\u00e9 een te benoem nie, en Old Mutual gee raad.<\/p>\n
Die redes vir jou keuse sal afhang van die finansi\u00eble omstandighede van jou afhanklikes en jou boedel met jou afsterwe. <\/p>\n
As jy nie \u2019n begunstigde benoem nie, sal alle opbrengste van jou polis na jou boedel gaan. Dit kan \u2019n goeie of \u2019n slegte ding wees, afhangend daarvan of jou boedel skuld moet betaal asook enige nalatings wat jy in jou testament gemaak het. As daar enige kontant in jou boedel is (geld in die bank) wanneer jy sterf, kan die eksekuteur sukkel om jou boedel af te handel. In so \u2019n situasie is dit beter om nie \u2019n begunstigdeop en of meer van jou voordele te benoem nie.<\/p>\n
Indien jou lewensmaat of kinders egter kontant nodig het wanneer jy sterf, is dit beter om een of meer van hulle as begunstigdes te benoem. Jy moet dan ook besluit op die proporsie wat elkeen gaan ontvang.<\/p>\n
Sakevennote wat lewensversekering op mekaar se lewens uitneem, of werkgewerswat \u2019n sleutelpersoon verseker, moet ook besluit hoe die benoeming van die begunstigdes gestruktureer moet word. Dit moet ook heroorweeg word soos die besigheid ontwikkel, as nuwe vennote by die besigheid aansluit of dit verlaat, en soos werknemers bedank.<\/p>\n
\u2019n Finale en baie belangrike punt is om te onthou dat die begunstigde wat jy benoem deur die trustees van die uittredingsfonds oor die hoof gesien kan word.<\/p>\n
Die trustees sal byvoorbeeld nie dink dis regverdig dat jy jou minnares as begunstigde benoem as jy \u2019n vrou en klein kindertjies het nie. Die trustees sal eers seker maak dat daar vir jou afhanklikes gesorg word voordat hulle \u2019n nie-afhanklike wat genomineer is, sal oorweeg. Dink dus wat realisties en regverdig is voordat jy \u2019n begunstigde benoem.<\/p>\n
Kry die regte advies. \u2019n Finansi\u00eble adviseur met wie jy al \u2019n lang pad stap sal weet wat jou situasie is, jou verhoudings verstaan en natuurlik bewus wees van jou finansi\u00eble situasie.<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"
Om \u2019n begunstigde op jou polis te benoem klink dalk voordiehandliggend: jy wil seker maak dat \u2019n sekere persoon, of dalk meer as een persoon, die uitbetaling ontvang as jy sterf. Daar mag egter strategiese finansi\u00eble redes wees wat jou besluit 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