08/08/2026
很多爸妈买保险，都是为了孩子。
希望未来如果发生突发情况，孩子至少还有一笔钱，可以用来读书、生活和应付医疗需要。
但很多人会忽略一个重点：
保单有 nomination 的话，保险赔偿金不一定会进入你的遗嘱安排。
很多人以为：
“我遗嘱里已经写了信托，保险赔偿金应该会自动进 trust，由 Trustee 用来照顾孩子吧？”
其实不一定。
如果保单已有 nominee，保险公司通常会直接把保险赔偿金支付给 nominee。
也就是说，这笔钱可能：
❌ 不会进入遗产
❌ 不会经过遗嘱
❌ 不会进入你为孩子设立的 trust
最后可能变成：
你以为保险赔偿金会进入 trust 照顾孩子，
但实际已经直接支付给 nominee。
所以，如果你想用保险赔偿金来支持孩子的教育、生活和医疗需要，不要只看遗嘱有没有写 trust，也要检查保单 nomination 有没有配合。
正确路线应该是：
保险赔偿金 → 遗产 → 遗嘱 → 信托 → 孩子
如果路线不对，trust 写得再完整，Trustee 也可能收不到钱。
遗产规划不是只看文件有没有写，
而是要确保钱最后真的到对的人手上，用在对的地方。
Many parents buy insurance to protect their children, hoping that if something unexpected happens, there will be funds to support the child’s education, living expenses and medical needs.
But one important detail is often overlooked:
If your insurance policy has a nomination, the payout may not go into your Will arrangement.
Many people assume:
“I already have a trust in my Will, so the insurance payout should automatically go into the trust for my child, right?”
Not necessarily.
If the policy already has a nominee, the insurance company will usually pay the insurance payout directly to the nominee.
This means the money may:
❌ not go into your estate
❌ not pass through your Will
❌ not enter the trust set up for your child
In the end, you may think the insurance payout will go into the trust to support your child, but the money may have already been paid directly to the nominee.
So, if you intend to use insurance payout to support your child’s education, living expenses and medical needs, don’t just check whether your Will has a trust clause.
You also need to check whether your policy nomination matches your Will arrangement.
Correct route:
Insurance Payout → Estate → Will → Trust → Child
If the route is wrong, even a well-drafted trust may not receive the money.
Estate planning is not just about what is written in the documents. It is about making sure the money reaches the right person, for the right purpose..
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