{"id":298,"date":"2026-04-13T05:18:30","date_gmt":"2026-04-13T05:18:30","guid":{"rendered":"https:\/\/securelife.my\/?p=298"},"modified":"2026-04-13T07:58:29","modified_gmt":"2026-04-13T07:58:29","slug":"prudential-trust-vs-non-trust-policy-malaysia","status":"publish","type":"post","link":"https:\/\/securelife.my\/zh\/prudential-trust-vs-non-trust-policy-malaysia\/","title":{"rendered":"\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355\uff1a\u5343\u4e07\u522b\u8ba9\u503a\u6743\u4eba\u62a2\u8d70\u4f60\u7559\u7ed9\u5bb6\u4eba\u7684\u94b1"},"content":{"rendered":"<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"1024\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia.jpg\" alt=\"Trust vs Non Trust Policy Malaysia - A wealth advisor demonstrating the impenetrable legal shield of a trust policy versus an exposed non-trust estate | \u5927\u9a6c\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355 - \u7406\u8d22\u89c4\u5212\u5e08\u6f14\u793a\u53d7\u56fd\u5bb6\u6cd5\u5f8b\u7edd\u5bf9\u4fdd\u62a4\u7684\u4fe1\u6258\u4fdd\u5355\u4e0e\u6beb\u65e0\u9632\u5fa1\u80fd\u529b\u7684\u975e\u4fe1\u6258\u9057\u4ea7\u4e4b\u95f4\u7684\u81f4\u547d\u5dee\u5f02\" class=\"wp-image-299\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia.jpg 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia-300x300.jpg 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia-150x150.jpg 150w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia-768x768.jpg 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/prudential-trust-vs-non-trust-policy-malaysia-12x12.jpg 12w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u5982\u679c\u60a8\u6b63\u8bd5\u56fe\u5f04\u61c2 <strong><a href=\"https:\/\/www.prudential.com.my\/en\/.galleries\/PDF\/trust-and-nomination-faq.pdf\" data-type=\"link\" data-id=\"https:\/\/www.prudential.com.my\/en\/.galleries\/PDF\/trust-and-nomination-faq.pdf\" target=\"_blank\" rel=\"noopener\">\u5927\u9a6c\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355 (Trust vs Non Trust Policy Malaysia)<\/a><\/strong>, you have stumbled onto one of the most critical legal traps in the<strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"> Financial Services Act (FSA) 2013.<\/mark><\/strong> Most Malaysians blindly fill in their insurance nomination forms, completely unaware that writing down the wrong person&#8217;s name will strip away 100% of their money&#8217;s legal protection.<\/p>\n\n\n\n<p>\u5728\u9a6c\u6765\u897f\u4e9a\uff0c\u4fdd\u9669\u63d0\u540d\u8eab\u4efd\u4e25\u683c\u5212\u5206\u4e3a\u4e24\u79cd\u3002\u7b2c\u4e00\u79cd\uff0c\u5b83\u5c31\u50cf\u4e00\u4e2a\u575a\u4e0d\u53ef\u6467\u7684\u949b\u5408\u91d1\u76fe\u724c\uff0c\u5728\u6cd5\u5f8b\u4e0a\u5c06\u60a8\u7684\u51e0\u767e\u4e07\u4ee4\u5409\u88ab\u7edd\u5bf9\u6b7b\u6b7b\u9501\u5b9a\u3001\u53ea\u4e13\u5c5e\u4e8e\u60a8\u7684\u914d\u5076\u548c\u5b69\u5b50\u3002\u800c\u7b2c\u4e8c\u79cd\uff0c\u5219\u51e0\u4e4e\u662f\u4e2a\u6beb\u65e0\u9632\u5fa1\u80fd\u529b\u7684\u5e9f\u7269\uff0c\u5b83\u5c31\u50cf\u4e00\u4e2a\u655e\u5f00\u5927\u95e8\u7684\u91d1\u5e93\uff0c\u5728\u60a8\u6b7b\u540e\u4efb\u7531\u5f8b\u5e08\u3001\u503a\u6743\u4eba\u548c\u8ffd\u503a\u516c\u53f8\u8086\u610f\u75af\u72c2\u62a2\u593a\u539f\u672c\u5c5e\u4e8e\u60a8\u5bb6\u4eba\u7684\u94b1\u3002<\/p>\n\n\n\n<p>\u8ba9\u6211\u4eec\u73b0\u5728\u5c31\u6765\u5f7b\u5e95\u62c6\u89e3\uff0c\u4fe1\u6258\u4fdd\u5355\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355\u4e4b\u95f4\u90a3\u8db3\u4ee5\u6539\u53d8\u60a8\u5168\u5bb6\u4eba\u547d\u8fd0\u7684\u5de8\u5927\u9e3f\u6c9f\uff01<\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<figure class=\"wp-block-image aligncenter size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"503\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-16.png\" alt=\"\" class=\"wp-image-300\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-16.png 600w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-16-300x252.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-16-14x12.png 14w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>1. \u4ec0\u4e48\u662f\u53d7\u4fdd\u62a4\u7684\u201c\u4fe1\u6258\u4fdd\u5355\u201d\uff1f<\/strong><\/h2>\n\n\n\n<p>\u6839\u636e\u9a6c\u6765\u897f\u4e9a\u6cd5\u5f8b\uff0c\u5982\u679c\u60a8\u7b26\u5408\u4ee5\u4e0b\u6761\u4ef6\uff0c\u60a8\u7684\u4eba\u5bff\u4fdd\u9669\u4fdd\u5355\u5c06 <em>*\u81ea\u52a8*<\/em> \u5347\u7ea7\u4e3a\u9ad8\u7ea7 <strong>\u4fe1\u6258\u4fdd\u5355<\/strong> \u53ea\u6709\u5f53\u60a8\u63d0\u540d\u60a8\u7684\uff1a<\/p>\n\n\n\n<p>&#8211; <strong>\u5408\u6cd5\u914d\u5076<\/strong> (\u8001\u516c\u3001\u8001\u5a46\uff09<\/p>\n\n\n\n<p>&#8211; <strong>\u5b69\u5b50<\/strong> <\/p>\n\n\n\n<p>&#8211; <strong>\u7236\u6bcd<\/strong> \uff08\u4ec5\u9650\u60a8\u662f\u5355\u8eab\u4eba\u58eb\uff09<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>\u4fe1\u6258\u4fdd\u5355\u7684\u201c\u949b\u76fe\u201d\u4fdd\u969c<\/strong><\/h3>\n\n\n\n<p>\u5f53\u60a8\u7684\u4fdd\u5355\u83b7\u5f97\u4fe1\u6258\u5730\u4f4d\u65f6\uff0c\u8fd9\u7b14\u6210\u767e\u4e0a\u5343\u4e07\u7684\u73b0\u91d1\u5468\u56f4\u5c31\u4f1a\u62d4\u5730\u800c\u8d77\u4e00\u5835\u795e\u5947\u7684\u6cd5\u5f8b\u57ce\u5899\u3002 <strong>\u8fd9\u7b14\u94b1\u5728\u6cd5\u5f8b\u610f\u4e49\u4e0a\u5df2\u7ecf\u4e0d\u518d\u5c5e\u4e8e\u60a8\u4e86\uff01<\/strong><\/p>\n\n\n\n<p> \u5728\u6cd5\u5f8b\u4e0a\uff0c\u5b83\u7acb\u523b\u5f52\u5c5e\u4e8e\u4e3a\u60a8\u914d\u5076\/\u5b69\u5b50\u8bbe\u7acb\u7684\u9690\u5f62\u4fe1\u6258\u6c60\u3002<\/p>\n\n\n\n<p>\u8fd9\u610f\u5473\u7740\uff0c\u5982\u679c\u60a8\u5728\u8eab\u8d1f RM50 \u4e07\u4fe1\u7528\u5361\u503a\u3001\u5546\u4e1a\u8d37\u6b3e\u751a\u81f3\u7834\u4ea7\u7684\u60c5\u51b5\u4e0b\u79bb\u4e16\uff0c\u60a8\u7684\u90a3\u4e9b\u7a77\u51f6\u6781\u6076\u7684\u503a\u6743\u4eba\u53ca\u94f6\u884c <strong>**\u7edd\u5bf9\u65e0\u6cd5\u89e6\u78b0<\/strong> \u60a8\u90a3 RM200 \u4e07\u4eba\u5bff\u4fdd\u9669\u7406\u8d54\u91d1\u7684\u4e00\u6839\u6c57\u6bdb\uff01** \u5728\u4e00\u573a <strong>\u5927\u9a6c\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355 (Trust vs Non Trust Policy Malaysia)<\/strong> showdown, the Trust policy legally shields the payout from creditors 100%. Furthermore, because the money skips your general estate, there is absolutely no need to wait 2 years for the High Court to issue a Grant of Probate. Prudential pays the <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#00d084\" class=\"has-inline-color\">pure cash to your family in 7 to 14 days.<\/mark><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>2. \u4ec0\u4e48\u662f\u5145\u6ee1\u81f4\u547d\u5371\u673a\u7684\u201c\u975e\u4fe1\u6258\u4fdd\u5355\u201d\uff1f<\/strong><\/h2>\n\n\n\n<p>\u4e00\u5f20 <strong>\u975e\u4fe1\u6258\u4fdd\u5355 (Non-Trust Policy)<\/strong> \uff0c\u901a\u5e38\u662f\u5f53\u60a8\u5728\u63d0\u540d\u53d7\u76ca\u4eba\u65f6\uff0c\u4e00\u6ca1\u6ce8\u610f\u5199\u4e86\u4e0a\u8ff0\u7279\u5b9a\u8eab\u4efd <em>*\u4e4b\u5916*<\/em> \u7684\u4efb\u4f55\u4eba\u7684\u540d\u5b57\u800c\u610f\u5916\u89e6\u53d1\u7684\u81f4\u547d\u5730\u96f7\u3002\u8fd9\u79cd\u60c5\u51b5\u6700\u5e38\u53d1\u751f\u5728\u4eba\u4eec\u9519\u8bef\u5730\u63d0\u540d\u4ed6\u4eec\u7684\uff1a<\/p>\n\n\n\n<p>&#8211; <strong>\u4eb2\u751f\u5144\u5f1f\u59d0\u59b9<\/strong> (\u54e5\u54e5\u5f1f\u5f1f\u3001\u59d0\u59d0\u59b9\u59b9)<\/p>\n\n\n\n<p>&#8211; <strong>\u5b59\u8f88<\/strong> \uff08\u5b59\u5b50\u5b59\u5973\u3001\u4f84\u5b50\u4f84\u5973\uff09<\/p>\n\n\n\n<p>&#8211; <strong>\u7236\u6bcd<\/strong> (\u6ce8\u610f\uff1a\u5982\u679c\u6b64\u65f6\u60a8\u5df2\u7ecf\u7ed3\u5a5a\uff01)<\/p>\n\n\n\n<p><strong> \u4e0d\u4fe1\u4efb\u653f\u7b56\u7684\u6bc1\u706d\u6027\u540e\u679c<\/strong><\/p>\n\n\n\n<p>\u4e00\u65e6\u60a8\u63d0\u540d\u60a8\u7684\u4eb2\u5f1f\u5f1f\u6765\u63a5\u6536\u60a8\u90a3RM100 \u4e07\u7684\u5de8\u989d\u8d54\u507f\u91d1\uff08\u4e5f\u8bb8\u60a8\u7684\u672c\u610f\u662f\u56e0\u4e3a\u5b69\u5b50\u8fd8\u592a\u5c0f\uff0c\u60a8\u60f3\u8ba9\u5f1f\u5f1f\u5e2e\u5fd9\u7167\u987e\u5b64\u513f\u5be1\u6bcd\uff09\uff0c\u90a3\u4e48\u5728\u6cd5\u5f8b\u4e0a\uff0c <strong>\u8fd9\u7b14\u94b1\u7edd\u5bf9\u4e0d\u5c5e\u4e8e\u60a8\u7684\u5f1f\u5f1f\uff01<\/strong><\/p>\n\n\n\n<p>\u6cd5\u5f8b\u65e0\u60c5\u5730\u89c4\u5b9a\uff0c\u60a8\u7684\u5f1f\u5f1f\u5728\u8fd9\u91cc\u4ec5\u4ec5\u53ea\u662f\u626e\u6f14\u7740\u4e00\u4e2a\u6682\u65f6\u7684\u201c\u6267\u884c\u4eba\u201d\u6216\u201c\u5206\u914d\u4e2d\u8f6c\u7ad9\u201d\u7684\u89d2\u8272\u3002\u8fd9 RM100 \u4e07\u7684\u5de8\u989d\u73b0\u91d1\u7406\u8d54\uff0c\u4f1a\u77ac\u95f4\u88ab\u6253\u56de\u60a8\u90a3\u88ab\u5168\u9762\u51bb\u7ed3\u7684\u666e\u901a\u9057\u4ea7\u4e2d\u3002\u6b63\u56e0\u4e3a\u5b83\u88ab\u6253\u56de\u4e86\u60a8\u7684\u666e\u901a\u9057\u4ea7\u6c60\uff0c <strong>*<\/strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#cf2e2e\" class=\"has-inline-color\"><strong>*it loses all creditor protection**<\/strong>.<\/mark> The banks and debt collectors now have full legal right to violently seize this money to pay off your outstanding car loans, credit cards, and business debts. Whatever tiny crumbs are left over will then be painfully subjected to the excruciating 1 to 5 year Probate legal freeze before it can finally be distributed according to your Will (or the Distribution Act).<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"479\" src=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17-1024x479.png\" alt=\"\" class=\"wp-image-301\" srcset=\"https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17-1024x479.png 1024w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17-300x140.png 300w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17-768x359.png 768w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17-18x8.png 18w, https:\/\/securelife.my\/wp-content\/uploads\/2026\/04\/image-17.png 1080w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity\"\/>\n\n\n\n<p><strong>\u5e38\u89c1\u95ee\u9898 (FAQ)<\/strong><\/p>\n\n\n\n<p><strong>\u95ee\uff1a\u6211\u5df2\u7ecf\u7ed3\u5a5a\u4e86\uff0c\u4f46\u6211\u73b0\u5728\u60f3\u4e13\u95e8\u4e70\u4e00\u4efd\u4fdd\u5355\uff0c\u7eaf\u7cb9\u662f\u4e3a\u4e86\u7559\u4e00\u7b14\u73b0\u91d1\u7ed9\u6211\u5e74\u8fc8\u7684\u6bcd\u4eb2\u517b\u8001\u3002\u8fd9\u4f1a\u662f\u53d7\u4fdd\u62a4\u7684\u4fe1\u6258\u4fdd\u5355\u5417\uff1f<\/strong><\/p>\n\n\n\n<p><strong>\u7b54\uff1a<\/strong> \u5927\u9519\u7279\u9519\uff0c\u7edd\u5bf9\u4e0d\u662f\uff01\u8fd9\u662f\u5728 <strong>\u5927\u9a6c\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355 (Trust vs Non Trust Policy Malaysia)<\/strong> \u6cd5\u5f8b\u6761\u6587\u4e2d\uff0c\u5927\u591a\u6570\u4eba\u6700\u5e38\u72af\u7684\u6781\u5176\u60b2\u5267\u7684\u81f4\u547d\u9519\u8bef\u3002\u56e0\u4e3a\u60a8\u5df2\u7ecf\u7ed3\u5a5a\uff0c\u5728\u6cd5\u5f8b\u4e0a\uff0c\u5df2\u5a5a\u4eba\u58eb\u63d0\u540d\u7236\u6bcd\u5c06\u81ea\u52a8\u628a\u8be5\u4efd\u4fdd\u5355\u6253\u5165 <em>*\u975e\u4fe1\u6258\u4fdd\u5355*\u3002<\/em>\u60a8\u5e74\u8fc8\u7684\u6bcd\u4eb2\u5c06\u4ec5\u4ec5\u53ea\u80fd\u5145\u5f53\u4e00\u4e2a\u6267\u884c\u4eba\u7684\u8dd1\u817f\u89d2\u8272\uff0c\u800c\u8fd9\u7b14\u539f\u672c\u7528\u6765\u7ed9\u5979\u517b\u8001\u7684\u94b1\u5c06\u5b8c\u5168\u66b4\u9732\u5728\u60a8\u51f6\u72e0\u7684\u503a\u6743\u4eba\u9762\u524d\uff01\u4e3a\u4e86\u7ed9\u5979\u4e00\u7b14\u7edd\u5bf9\u53d7\u4fdd\u62a4\u7684\u517b\u8001\u91d1\uff0c\u60a8\u5fc5\u987b\u901a\u8fc7\u5408\u6cd5\u7684\u7edd\u5bf9\u8f6c\u8ba9\u4e66 (Assignment) \u6216\u8bbe\u7acb\u5916\u90e8\u5546\u4e1a\u4fe1\u6258 (External Trust) \u6765\u8fdb\u884c\u4e13\u4e1a\u64cd\u4f5c\u3002<\/p>\n\n\n\n<p><strong>\u95ee\uff1a\u5982\u679c\u6211\u63d0\u540d\u6211\u672a\u6ee1 18 \u5c81\u7684\u672a\u6210\u5e74\u5b69\u5b50\u4f5c\u4e3a\u4fe1\u6258\u53d7\u76ca\u4eba\uff0c\u4e07\u4e00\u6211\u6b7b\u4e86\uff0c\u8fd9 RM200 \u4e07\u7684\u5de8\u989d\u7eaf\u73b0\u91d1\u5230\u5e95\u8c01\u6765\u63a7\u5236\uff1f<\/strong><\/p>\n\n\n\n<p><strong>\u7b54\uff1a<\/strong> \u5982\u679c\u60a8\u4e0d\u5e78\u79bb\u4e16\u800c\u60a8\u7684\u5b69\u5b50\u8fd8\u4e0d\u6ee1 18 \u5c81\uff0c\u4fdd\u9669\u516c\u53f8\u4f9d\u6cd5\u7edd\u5bf9\u4e0d\u80fd\u628a\u5de8\u6b3e\u76f4\u63a5\u6c47\u7ed9\u672a\u6210\u5e74\u4eba\u3002\u5728\u6cd5\u5f8b\u4e0a\uff0c\u4ed6\u4eec\u5fc5\u987b\u628a\u94b1\u6c47\u7ed9\u5728\u4e16\u7684\u53e6\u4e00\u4f4d\u5408\u6cd5\u4eb2\u751f\u7236\u6bcd\uff08\u5373\u60a8\u7684\u914d\u5076\uff09\u4f5c\u4e3a\u4fe1\u6258\u53d7\u6258\u4eba\u7ba1\u7406\u3002\u5982\u679c\u60a8\u7684\u914d\u5076\u4e5f\u5df2\u7ecf\u4e0d\u5e78\u79bb\u4e16\uff0c\u8fd9\u7b14\u5de8\u6b3e\u53ea\u4f1a\u6c47\u7ed9\u7531\u9a6c\u6765\u897f\u4e9a\u9ad8\u7b49\u6cd5\u9662\u6b63\u5f0f\u4efb\u547d\u7684\u5408\u6cd5\u76d1\u62a4\u4eba\u3002<\/p>\n\n\n\n<hr class=\"wp-block-separator 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\u6309\u94ae\u7d22\u53d6\u4e00\u4efd\u6781\u5ea6\u7d27\u6025\u7684\u4fdd\u5355\u5168\u9762\u5ba1\u67e5\u3002\u6211\u5c06\u5b8c\u5168\u514d\u8d39\u5730\u4eb2\u81ea\u5ba1\u67e5\u60a8\u76ee\u524d\u7b7e\u7f72\u7684\u53d7\u76ca\u4eba\u8868\u683c\uff0c\u7edd\u5bf9\u5411\u60a8\u4fdd\u8bc1\uff0c\u5b8c\u7f8e\u914d\u7f6e\u4e0d\u53ef\u6218\u80dc\u7684 <strong>\u5927\u9a6c\u4fe1\u6258\u4e0e\u975e\u4fe1\u6258\u4fdd\u5355 (Trust vs Non Trust Policy Malaysia)<\/strong> \u6cd5\u5b9a\u9632\u5fa1\u76fe\u724c\u3002<\/p>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-55be5c4d\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap\">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-d3f4f196 wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" 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