Wealth inheritance is an important issue concerning the continuation of family wealth, and insurance, as an internationally recognized wealth management inheritance tool, plays an important role in this process. Wealth inheritance involves many uncertain factors, including debt issues, statutory inheritance issues, asset realization issues, children's squandering issues, marital risks, etc., so it is particularly important to seek suitable insurance products to deal with these issues.

Among many insurance products, leveraged whole life insurance is a tool with inheritance attributes. It combines financial attributes and legal functions. Its financial attributes include installment investment of funds, leverage ratio linked to age, 100% compensation, etc., while the legal function is reflected in expanding inheritance assets, realizing inheritance intentions, hiding inheritance content, convenient inheritance procedures, and marital asset isolation. Therefore, leveraged whole life insurance can effectively deal with many problems in the process of wealth inheritance and provide protection and convenience for wealth inheritance.

Recently, Tongfang Global Life Insurance launched a new leveraged whole life insurance product for 2024, which has the following advantages and features:
1. The insurance company has a strong background, strong strength, rich experience and stable financial support;
2. There is no waiting period, and the protection starts as soon as the contract takes effect, which is more humane;
3. The amount of exemption from physical examination is high, up to 15 million, and a high amount of insurance can be obtained under normal health conditions;
4. The mandatory liability is simple, providing death liability, and the optional liability includes additional compensation for accidental death, additional compensation for sudden death, and total disability liability, which can be selected according to needs;
5. There are few exemption clauses, only 5, simplifying the content of the policy terms;
6. The death benefit docking trust has advantages, which can realize the intention of inheritance and provide more choices.

Tongfang Global Life Insurance is one of the earliest insurance companies in China to engage in insurance trust. It has rich experience and mature docking processes. It cooperates with many trust companies to provide customers with an inheritance plan of the "insurance + trust" model. Compared with traditional family trusts, this model has a lower threshold, a wider audience, and is more flexible and convenient.

The mandatory liabilities in the product include death liability, and the optional liabilities include additional compensation for accidental death, additional compensation for sudden death, and total disability liability. Customers can choose additional liabilities according to their needs. It should be noted that total disability liability and any death liability cannot be obtained at the same time, and there is a clear agreement in the contract.

Tongfang Global Life Insurance Co., Ltd. is strong and has a huge registered capital. It is headquartered in Shenzhen and has many branches across the country to provide professional services to customers. Shareholders include Tongfang Co., Ltd. and ABN AMRO Global Life Insurance Group, with strong and reliable backgrounds.

The insurance rules include insurable areas, insured ages, payment methods, coverage periods, minimum insured amounts, etc. Customers can choose a suitable plan according to their own circumstances. The case demonstration provided by the product shows the functional advantages of leveraged whole life insurance, including certainty, leverage, docking trusts, tax exemptions and flexibility, etc., which provides a variety of conveniences and guarantees for wealth inheritance.

In summary, Tongfang Global Life's new leveraged whole life insurance product has a strong inheritance attribute, providing customers with an option to effectively manage wealth inheritance. When choosing a product, it is recommended that customers consult professionals and carefully evaluate according to their own needs and circumstances to ensure that wealth inheritance is carried out smoothly and safely.

The above interpretation is for reference only. Please refer to the official interpretation for actual details.