Universal Life Insurance<\/h1>\n
Artan say\u0131da varl\u0131kl\u0131 aile i\u00e7in universal life insurance (evrensel hayat sigortas\u0131 – ULI) k\u00fcresel veraset planlamalar\u0131n\u0131n ve varl\u0131k planlama yap\u0131lar\u0131n\u0131n bir par\u00e7as\u0131d\u0131r. Sigortalanan miktarlar\u0131n b\u00fcy\u00fckl\u00fc\u011f\u00fcnden dolay\u0131, universal life insurance (evrensel hayat sigortas\u0131), “jumbo life insurance (jumbo hayat sigortas\u0131)” ve “jumbo universal life (jumbo evrensel hayat)” olarak da adland\u0131r\u0131l\u0131r.<\/p>\n
K\u0131saca universal life insurance; hem y\u00fczde olarak (genelde \u00f6denen primin %300’\u00fcn\u00fcn \u00fcst\u00fcnde; \u00f6r. 3 milyon ABD Dolar\u0131 \u00f6dersiniz ve \u00f6l\u00fcm h\u00e2linde lehtarlar 9 milyon ABD Dolar\u0131 ya da daha fazlas\u0131n\u0131 al\u0131rlar) hem de mutlak say\u0131lar a\u00e7\u0131s\u0131ndan \u00e7ok y\u00fcksek \u00f6l\u00fcm kapsam\u0131 sunan<\/b> (bazen 90 milyon ABD Dolar\u0131’n\u0131n \u00fcst\u00fcnde), bu y\u00fczden de “jumbo life insurance” olarak adland\u0131r\u0131lan bir hayat sigortas\u0131 poli\u00e7esidir<\/b>.<\/p>\n
Universal life insurance\u2019\u0131 di\u011fer hayat sigortas\u0131 \u00fcr\u00fcnlerinden farkl\u0131 k\u0131lan \u015fey, bu sigortan\u0131n geni\u015f \u00f6l\u00fcm kapsam\u0131n\u0131 ger\u00e7ek bir tasarruf bile\u015feniyle bir araya getirmesidir: poli\u00e7enin de\u011feri garantili bir faiz oran\u0131yla birlikte y\u0131llar i\u00e7inde artar.<\/p>\n<\/div><\/div><\/div><\/div><\/div>
Universal life insurance nedir?<\/h2>\n
Universal life insurance, \u00e7ok geni\u015f \u00f6l\u00fcm kapsam\u0131 sunan bir sigorta t\u00fcr\u00fcd\u00fcr. Bunu tasarruf bile\u015feniyle bir araya getirir; poli\u00e7e sahibinin \u00f6dedi\u011fi prim, pe\u015fin de\u011ferli b\u00fcy\u00fcme sa\u011flamak amac\u0131yla b\u00fcy\u00fck oranda hayat sigortas\u0131 \u015firketi taraf\u0131ndan yat\u0131r\u0131l\u0131r (her poli\u00e7enin bir Pe\u015fin De\u011feri vard\u0131r) ve poli\u00e7e sahibi taraf\u0131ndan bir tasarruf hesab\u0131 veya yat\u0131r\u0131m \u00fcr\u00fcn\u00fc olarak g\u00f6r\u00fclebilecek bir varl\u0131k s\u0131n\u0131f\u0131 olarak de\u011ferlendirilebilir.<\/p>\n
Universal life insurance poli\u00e7eleri en \u00e7ok \u015funlar i\u00e7in kullan\u0131l\u0131r:<\/p>\n
- \n
- \u00f6l\u00fcm h\u00e2linde bir likidite planlama arac\u0131<\/b> olarak (veraset planlamas\u0131);<\/li>\n
- veraset vergisi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131<\/b> i\u00e7in, \u00f6rne\u011fin yabanc\u0131 m\u00fclk konusunda (vergi planlamas\u0131); \u00f6r. Birle\u015fik Krall\u0131k veraset vergisi (%40) sahibin \u00f6l\u00fcm\u00fc h\u00e2linde Londra emlak de\u011feri \u00fczerinden de\u011ferlendirilecektir,<\/li>\n
- \u00e7ok say\u0131da aile \u00fcyesi aras\u0131nda karma\u015f\u0131k emlak planlamas\u0131<\/b> yapmak i\u00e7in (ku\u015faklar aras\u0131 veraset planlamas\u0131); yani aktif olmayan aile \u00fcyelerine fayda sa\u011flamak, yahut mevcut bor\u00e7lar\u0131n i\u015fi veya yat\u0131r\u0131mlar\u0131 likidite etmeden \u00e7\u00f6z\u00fcmlenmesini sa\u011flamak amac\u0131yla aile i\u015finin ku\u015faklar aras\u0131 verasetinin planlanmas\u0131 kapsam\u0131nda likidite yaratmak i\u00e7in;<\/li>\n
- aile g\u00fcvenli\u011fi<\/b> sa\u011flamak i\u00e7in; trajik bir kay\u0131p durumunda ailenin ya\u015fam tarz\u0131n\u0131 korumak i\u00e7in (varl\u0131k planlamas\u0131);<\/li>\n
- vasiyetname onay\u0131ndan ka\u00e7\u0131nmak<\/b> i\u00e7in; veya<\/li>\n
- \u00e7ekici bir alternatif yat\u0131r\u0131m<\/b> olarak (\u00e7e\u015fitlendirme).<\/li>\n<\/ul>\n
- veraset vergisi masraflar\u0131n\u0131n kar\u015f\u0131lanmas\u0131<\/b> i\u00e7in, \u00f6rne\u011fin yabanc\u0131 m\u00fclk konusunda (vergi planlamas\u0131); \u00f6r. Birle\u015fik Krall\u0131k veraset vergisi (%40) sahibin \u00f6l\u00fcm\u00fc h\u00e2linde Londra emlak de\u011feri \u00fczerinden de\u011ferlendirilecektir,<\/li>\n
![\"\"](\"https:\/\/swiss-banking-lawyers.com\/wp-content\/uploads\/2021\/03\/family_250.jpg\")
Universal life insurance poli\u00e7esi i\u00e7in \u00f6denen prim daha ziyade “depozito” olarak ifade edilebilir. Universal life insurance\u2019\u0131 elde etmek amac\u0131yla sigortac\u0131ya y\u00fckl\u00fc bir nakit \u00f6demesi (“depozito”) yap\u0131l\u0131r ve poli\u00e7e sahibi anla\u015f\u0131lan sigorta kapsam\u0131na an\u0131nda kavu\u015fur; \u00f6r. 3 milyon ABD Dolar\u0131 prim \u00f6denirse, sigortalanan ki\u015finin vefat\u0131 ile birlikte lehtarlar 9 milyon ABD Dolar\u0131 al\u0131rlar. Ek olarak, universal life insurance \u015firketi, poli\u00e7e sahibinin bu “depozito”suna y\u0131ll\u0131k olarak faiz kredisi (garantili) verir. Sigorta \u015firketi bu “depozito”yu Cash Value (Nakit De\u011feri) olarak ifade eder. Bir poli\u00e7e sahibinin \u00f6dedi\u011fi t\u00fcm primlerden, sigorta masraflar\u0131 ile sigorta \u015firketi ve komisyoncu \u00fccretleri gibi di\u011fer masraflar\u0131n d\u00fc\u015f\u00fclmesiyle olu\u015fan miktardan meydana gelir.<\/p>\n