Life Insurance
Community Property · Lesson 10
Life Insurance
這一課問的是：壽險收益之性質如何決定？
ActorActObjectStandardConsequence
Issue · what this lesson is really about
How is the character of life insurance proceeds determined?
這一課問的是：壽險收益之性質如何決定？
Trigger words & phrases that should flag this issue:
life insurancepremiumpolicybeneficiarywhole life
Core Terminology · 7 must-know
Tap a card to flip and reveal the meaning.
term insurance
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Pure insurance for term of premium; no cash value.
定期壽險。
whole life
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Insurance + cash value buildup.
終身壽險。
source of premiums
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Character of policy follows premium source.
保費來源。
apportionment
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CP premiums + SP premiums = mixed.
分配。
term policy rule
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Most recent premium typically controls character.
定期保單規則。
beneficiary designation
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Independent of CP characterization.
受益人指定。
Rule Sentence · the workhorse
The character of life insurance proceeds depends on the source of premiums: CP premiums yield CP proceeds; SP premiums yield SP proceeds; mixed-premium whole life policies are apportioned proportionally, while term policies often follow the most recent premium source.
Sentence Anatomy · 5 roles, 5 colors
Every rule sentence breaks into five visual roles.
Actor 行為人insured spouse被保險配偶
Act 行為paying premiums支付保費
Object 對象life insurance壽險
Standard 法律標準source of premiums + policy type保費來源 + 保單類型
Consequence 後果CP / SP / apportionedCP / SP / 分配
Casebook Snapshot · a real American case
Estate of Logan
Holding. Term life insurance proceeds are characterized by the source of the most recent premium that maintained the policy at the time of the insured's death; whole life policies use proportional apportionment based on premiums paid.
Why it matters. Logan: term vs whole-life have different characterization rules — last premium rules term policies.
Logan：定期壽險最近保費規則；終身壽險按比例。
Common Mistakes · what trips students
✗ life insurance 為 CP 因 marriage。
✓ Source of premiums controls.
保費來源決定。
Mini IRAC · build the Application
Issue. Are life insurance proceeds CP or SP when H paid all premiums on a term policy from CP wages during the 10-year marriage before his death?
Rule. The character of life insurance proceeds depends on the source of premiums; CP premiums yield CP proceeds.
Application (model). H paid all premiums from CP wages during marriage. Because CP premiums yield CP proceeds, the fact that all premiums on the term policy came from CP wages means the proceeds are entirely community property.
Pick the right element for each blank:
g1.
g2.
Conclusion. Therefore, the proceeds are community property, of which W is entitled to half (subject to beneficiary designation rights).
MBE Check · multiple choice
H purchased a whole life policy before marriage with SP funds, then paid premiums during marriage from CP wages. What is the character of proceeds?
Practice Drill · tap to build the rule
Drop the chips here in correct order:
Tap chips to add → tap chips in the target to remove: