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Core Viewpoint - The article discusses the increasing accessibility of insurance trust products, particularly insurance money trusts, which are becoming more popular among ordinary families due to lower entry thresholds and the advantages they offer in wealth management and risk isolation [1][12]. Group 1: Insurance Money Trust Overview - Insurance money trust is defined as a trust established by a trust company based on the rights and interests of a life insurance contract, allowing for the management of funds according to the trust agreement [2]. - The product combines features of both insurance and trust, providing dual legal protections and facilitating wealth transfer while ensuring risk isolation [3][10]. Group 2: Market Trends and Demand - The demand for insurance money trusts is growing, with over 40 out of nearly 70 trust companies in China now offering such products, indicating a significant market shift [8]. - The trend is driven by the increasing accessibility of insurance products to average families, allowing for a broader customer base [9][12]. Group 3: Product Models - There are three main models of insurance money trusts: - Model 1.0 involves changing the beneficiary of the insurance policy to the trust company, which then distributes funds to the beneficiaries based on specific conditions [6]. - Model 2.0 requires the policyholder to also be the trust company, ensuring that all premiums are paid directly to the trust [7]. - Model 3.0 involves establishing a cash trust first, with the trust company as the policyholder, which is less common in practice [7]. Group 4: Lowering Entry Barriers - The entry threshold for insurance money trusts has been significantly lowered, with some companies reducing the minimum requirement from 500 million to 100 million in total premiums or coverage [12]. - This reduction aims to make trust services more inclusive and accessible to a wider range of clients, particularly those with urgent retirement needs [12]. Group 5: Legal and Compliance Considerations - There is currently no specific legal framework governing insurance money trusts, making it essential for consumers to work with legal professionals to ensure the validity and effectiveness of their trust arrangements [13][14]. - Key considerations include ensuring the legality of fund sources, protecting beneficiary rights, and maintaining compliance with evolving legal standards [13].