
有人寫了遺囑,卻被判無效; 有人提早過戶房產,結果晚年無家可歸; 有人認為保單分配公平,卻讓兄弟反目…… 我是俊德,一位常常站在家庭爭產現場的保險業務。 在《傳承其實很現實》,我會講給你聽:這些事,真的會發生。 讓你提早想清楚、做對選擇。 每週更新,記得訂閱。 IG: 富邦俊德|@hd022311 Powered by Firstory Hosting
| Publishes | Twice monthly | Episodes | 38 | Founded | a year ago |
|---|---|---|---|---|---|
| Language | Number of Listeners | Categories | BusinessSelf-ImprovementInvestingEducation |

你以為「沒有小孩,我走了錢當然全部留給另一半」嗎?
台中地院一份真實判決,把這個以為徹底打碎
一位吳太太,剛送走先生,還在悲痛中,卻迎來先生的兄弟姊妹與姪子、姪女共14人,拿著法律文件上門,告訴她:
你住的房子、戶頭裡的存款,甚至你以為最安全、寫你名字的保單——我們依法都有一半的權利
這集,我們用台中地方法院113年度家繼字第31號民事判決,結合富邦俊德的實務觀點,拆給你看:
• 為什麼「沒有子女時,配偶必须跟兄弟姊妹共同繼承」,配偶只能先拿遺產的一半?
• 再轉繼承如何讓「繼承人從幾個兄弟... more
🛕 1.64億保險金全數給寺廟,家屬一分錢沒拿到,還被國稅局開2100萬稅單?
這不是電影劇情,而是台北高等行政法院109年度訴字第1483號真實判決
一位69-78歲重病老太太,用94張一次性繳清保單,把名下現金全轉給觀音禪院
家屬以為「保險金免遺產稅」,結果國稅局動用「實質課稅原則」:
- 高齡重病 + 一次性巨額保費 = 變相財產轉移
- 總遺產稅制:法定繼承人連帶繳稅,連自己的共同基金都賣了湊錢
最燒腦的平行宇宙邏輯:
✅ 稅法:認定為遺產,收稅2100萬 (行政法) more
這集深度拆解台中地方法院113年度重家繼訴字第36號真實判決:老父1.44億遺產引爆家族法庭戰!文盲老人錄影立代筆遺囑有效嗎?20年前送女兒土地算「嫁妝歸扣」?特留分鐵律下,兒孫保土地卻須自掏2100萬現金補償女兒
三大爭議鐵則:
• 文盲遺囑:里長+代書+公證錄影,法院認定真意表達有效
• 土地贈與:結婚6年後贈與,非特種贈與不歸扣,尊重生前自由
• 特留分計算:遺產淨值1.29億,女兒六分之一≈2153萬,侵害即現金買斷
終極解法:遺囑+保險雙核
遺囑定不動產,保險金... more
💰 一筆超過1250萬的保險理賠金,引發了一場母子對簿公堂的家族財產戰。
兒子的質疑聽起來很合理:「你們自己都把保險金報進遺產稅了,為什麼現在說這是你們的錢,不用分給我?」
這集節目,我們用一份真實的台灣嘉義地方法院判決書,帶你拆解遺產規劃中最容易混淆的陷阱:
✅ 保險法第112條如何保護指定受益人
✅ 為什麼「課稅」跟「分配」是兩條平行線
✅ 法官用一道數學題證明的法律邏輯
✅ 實質課稅原則什麼時候會被國稅局盯上
這集你會學到:
1. 指定受益人這個動作的法律威力有多強大 more
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Apple Podcasts | #229 |
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傳承其實很現實 launched a year ago and published 38 episodes to date. You can find more information about this podcast including rankings, audience demographics and engagement in our podcast database.
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