Finans
Musterek Hayat Sigortasi (Joint Life Assurance)
İngilizce: joint life assurance
Türkçe Tanım
Iki ya da daha fazla kisinin hayatini tek bir police altinda guvence altina alan ve tazminati genellikle sigortalilardan ilkinin (first death) ya da bazi yapilarda sonuncusunun olumunde odeyen hayat sigortasi turudur; iki ayri police yerine tek police kullanildigi icin prim maliyeti tipik olarak daha dusuktur. Ilk olumde odeyen yapi, ortaklik ve is devamliligi finansmaninda onemli bir araca donusur; is ortaklarindan birinin olumunde, kalan ortaklarin hisseyi devralmasini finanse eden bir likidite kaynagi olusturarak, mirascilarla dogabilecek degerleme ve kontrol uyusmazliklarini onceden nakit bir cozume baglar.
English Definition
A form of life assurance that covers the lives of two or more persons under a single policy and typically pays the benefit on the first death, or in some structures the last, of the insured; because one policy is used instead of two separate ones, the premium cost is usually lower. The first-death structure becomes an important tool in partnership and business-continuity funding: on the death of one business partner it provides a source of liquidity that finances the remaining partners' buyout of the share, tying to a cash solution in advance the valuation and control disputes that could otherwise arise with heirs.