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什么是信托?

A trust is when one party (known as the trustor) gives a second party (the trustee) the job of holding property or assets for a third party (the beneficiary).

It's a great way to make sure money is set aside for another individual — like a child or grandchild — or to give back to your community or another cause that's important to you. +, establishing a trust account or policy may help prevent funds from being tied up in court after your death.

Important trust account information

  • You must already have a trust established to open a trust account or policy.
  • A trust account or policy can be registered in the name of a trust (living, 家庭, 慈善, 或其他).
  • Trust accounts or policies are often set up to help meet financial needs for 家庭 members or for 慈善 reasons.
  • If you set aside funds for a child or grandchild in a trust account or policy, that child will be able to access the funds based on the conditions in the trust document (for example, when he or she reaches a certain age).

信托的种类

An 不可撤销的信任 generally can't be modified or terminated without the permission of the beneficiary and/or judicial authorities. It may be useful for federal estate tax planning.

A revocable living trust generally lets you transfer ownership of your property into a trust throughout the course of your lifetime. It gives you more control over your estate, both before and after death.

A 遗嘱信托 is generally created by the terms of your will and goes into effect upon your death. It can't be amended or revoked.

A 特殊需要信托 is created to provide supplemental income for the welfare of an individual with a disability. The trust can supply funds for travel, 教育, out-of-pocket medical expenses, and personal care expenses not covered by government programs.

风险披露

Neither State Farm® nor its agents provide tax or legal advice.

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Each State Farm insurer has sole financial responsibility for its own products.

Securities are not FDIC insured, are not bank guaranteed and are subject to investment risk, including possible loss of principal.

IL - 27.6