X-Message-Number: 12397
From: "John de Rivaz" <>
References: <>
Subject: Re: CryoNet #12393 - #12396
Date: Sat, 11 Sep 1999 10:59:44 +0100

> Message #12394
> From: 
> Subject: Re: insurance for suicide


>  Only life insurance creates an "Instant, tax free, creditor  proof

Surely life insurance has to be written in trust to achieve this effect, so
the trust is the policy owner. If the insured is the policy owner, then the
proceeds (if any) pass to his estate in the usual way. Of course almost all
life policies are written in trust for this reason.

Therefore any assets, such as a holding in a mutual fund, could have exactly
the same benefits if held in the same form of trust.

The advantages of doing this is that there are no costs for the risk, and
"eccentric" investments (such as technology stocks) can be subject of the
mutual fund.

I would be interested in Mr Hoffmann's and any other comments on this

Sincerely, John de Rivaz
my homepage links to Longevity Report, Fractal Report, my singles club for
people in Cornwall, music, Inventors' report, an autobio and various other
projects:       http://ourworld.compuserve.com/homepages/JohndeR

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