国外,欧洲富豪为了避税不惜更改国籍,正在上演大逃亡;国内,深圳私营企业主为了逃避有可能到来的遗产税签下亿元保单。一时间,“避税”成了热门话题。其实,人寿保险就是解决避税的方式之一,同时还是避债的一大利器。指定受益人可避债保险的避债功能一直被业内津津乐道。安邦人寿北京分公司理财规划师贾红指出,我国《保险法》第二十三条规定,任何单位和个人不得非法干预保险人履行赔偿或者给付保险金义务,也不得限制被保险人或者受益人取得保险金的权利。也就是说,如果保险人陷入经济纠纷或涉嫌犯罪,属民法范围,只要没有证据证明其保险合同无效,或者资金来源 In foreign countries, the European tycoons have spared no expense to change their nationalities in order to avoid taxation and are now staging a big escape. Private and domestic private entrepreneurs in Shenzhen have signed billions of yuan in order to evade the potential inheritance tax. For a time, “tax avoidance” became a hot topic. In fact, life insurance is one of the ways to solve the tax avoidance, but also a great tool to avoid debt. Designated beneficiaries can avoid debt insurance avoidance function has been talked about the industry. Jia Hong, an economist with Beijing branch of Anbang Life Insurance Co., pointed out that Article 23 of China’s Insurance Law stipulates that no entity or individual may illegally interfere in the insurer’s obligation to pay compensation or pay the insurance money, nor limit the insured person or the beneficiary The right to obtain insurance money. In other words, if the insurer is involved in economic disputes or suspected crimes, it is within the scope of civil law as long as there is no evidence to prove that his insurance contract is invalid or the source of funds