Protect your Wealth. Transfer with Confidence.

You have worked hard to build up your wealth. Now it’s time to protect it and plan for its smooth transfer to the next generation.

Combining insurance with trust is a powerful estate planning strategy. Insurance provides liquidity while trust safeguards your legacy and distributes it according to your terms.

Insurance proposition

Liquidity
Settle liabilities of your estate, including unforeseen debts that only arises after death.
If significant wealth is held in illiquid real estate, there may not be enough liquid assets to cover financial needs and living expenses of your beneficiaries. Your executor may need to fire-sale your assets at a loss to generate funds. This reduces the overall value of your estate and goes against your wishes in passing down important assets to your beneficiaries. Insurance provides immediate liquidity upon your passing to prevent such scenario from occurring.

Estate amplification and equalisation
Increase the overall value of your estate creating more sustainable, long-term wealth for your beneficiaries.
Insurance payout to “top-up” assets that can’t be easily divided (e.g. real property) to achieve an equitable outcome across beneficiaries.

Trust proposition

Asset protection
Any assets validly and properly placed into trust is ring-fenced from creditors, disgruntled heirs and former spouse.

Probate avoidance
Trust assets are excluded from probate enabling a faster, more discreet transfer of wealth.

Bespoke payout
Endless flexibility to customise your payout manner, timing and amount.
Provide spendthrift protection and reduces likelihood of scams of vulnerable beneficiaries.

Together, insurance and trust provide a holistic and effective wealth transfer, preserving family harmony and ensure your legacy lives on.

To find out more information how proper estate planning solutions can help to achieve your succession goals, please speak to your trusted AIA life planner or email AIAInfinite@aia.com