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When the insurer pays out the insurance proceeds in accordance with the terms of the policy, these will be comprised of the investment portfolio plus the income accumulated thereon вЂ“ вЂthe savings componentвЂ™ вЂ“ and an additional fixed amount calculated on the basis of the premiums paid in accordance with the relevant actuarial tables вЂ“ вЂthe risk componentвЂ™. The portfolio could be commingled with the premium-sourced investments of the insurer, or in some cases, in a segregated account, with the policy owner directing the applicable investment policy. A typical insurance wrapper enables a person to purchase a life insurance policy, either on his own life or on someone elseвЂ™s, by paying a premium вЂ“ usually a onetime premium consisting of the total investment portfolio вЂ“ which accumulates income at favourable, or zero, tax rates. We suggest an optimised structure for obtaining both asset protection and beneficial tax planning by combining trusts and insurance wrappers.Д«y вЂinsurance wrapperвЂ™ we refer to a life insurance policy вЂwrappedвЂ™ around the policy ownerвЂ™s investment portfolio that is owned and controlled by the insurance company until payment in accordance with the terms of the policy. Such advantages became even more relevant in light of the recent change in the Israeli Tax Ordinance-1961 (Ordinance) pertaining to the taxation of trusts (Trust Amendment) which cancelled the favourable tax regime provided to foreign settlor trusts. Any questions we suspect of being leading questions or asked merely to promote an agenda or sealioning will be removed.In this article we provide a brief summary of the advantages associated with the use of insurance wrappers for both asset protection and tax planning purposes. Other questions not asked in good faith - such as putting a rant or hate towards any group in the form of a question. You are welcome to ask good faith questions about such topics but be aware such threads may be locked or removed if necessary to preserve the integrity of the subreddit. Tasteless or disturbing questions regarding loli, pedophilia, murder, violence or other sketchy or disgusting subject matter are not welcome here.

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Illegal things - nothing like 'Where can I find a copy of (movie/show/music) for free online?' There are other places for asking that, this is not one of them.

Getting people to view your product/video/podcast/website by phrasing it in the form of a question

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Questions along the lines of 'was I raped?' or 'was I sexually assaulted?' are best addressed by the trained, professional support resources you can find here or here. Such questions are best handled by the great resources they have at r/SuicideWatch. These types of questions are not allowed and will be removed: are not permitted at any time.Д¬heck out the reddiquette page for more info - violations of any of those of clauses may result in a ban without warning. Civil disagreements can happen, but insults should not. NSQ is supposed to be a helpful resource for confused redditors. Rule 3: Follow reddiquetteД«e polite and respectful in your exchanges. You can find the questions that have come up here again and again in our wiki. As much as we love answering questions here, it doesn't help when we see repeat questions on the front page every day. Rule 2: Please try searching here before posting a new question Link only answers permitted if the question happens to be 'What is a good subreddit for.?' On-topic follow up questions are allowed. No responses being rude to the questioner for not knowing the answer. Users are coming to NSQ for straightforward, simple answers or because of the nuance that engaging in conversation supplies. Please do not answer by only dropping a link and do not tell users they should 'google it.' Include a summary of the link or answer the question yourself.

Follow-up questions at the top level are allowed. Joke responses at the parent-level will be removed. RULES: Rule 1: Top level comments must contain a genuine attempt at an answerДЄll direct answers to a post must make a genuine attempt to answer the question. This subreddit was inspired by this thread and more specifically, this comment. r/explainlikeimfive (check their rules before posting) r/OutOfTheLoop (check their rules before posting) Thanks for reading all of this, even if you didn't read all of this, and your eye started somewhere else have a cookie. All questions are welcome - except clear trolls, please don't be that guy.

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All questions are welcome such as to how to change oil, to how to tie shoes. There is no such thing as a Stupid Question!Дon't be embarrassed of your curiosity everyone has questions that they may feel uncomfortable asking certain people, so this place gives you a nice area not to be judged about asking it.