【正文】 rned adults to exercise their full ownership and possessory rights without any costly litigation to establish full ownership rights over the policy. Proposed Modi?cation to UTMA To protect the best interests of minors and to allow for more expedient business practices for all parties involved, an exception to the af rmative duty of custodians to transfer property under 167。此外，保險公司能容易地在保險單內(nèi)記錄托管人權力的終止日期。 烏特馬 法規(guī)的第二十章 將 做適當?shù)男薷模?添加 內(nèi)容如下：在一定程度上，壽險保單就是保管好的財產(chǎn)，無運送或運送給未成年人或他們遺產(chǎn)，當未成年人達到必要的年齡或未成年人死后，終止行使托管人的權利是必須的。因此，填寫一個表格并不是必須的。 付出了一些在烏特馬法規(guī)的政策下微小的特定的優(yōu)惠后，剛成年的人采取行動反對托管 人從而迫使托管人轉讓這項政策的占有權或所有權可能不會花費很多。 2 通過為保單創(chuàng)建例外條款來避免潛在的傷害 壽險保單在為保險公司和未成年人在烏特馬法規(guī)（情況）下產(chǎn)生了一個特殊的問題。因此，法院認為，雖然當未成年子女達到法定年齡之時有所有權，但托管人仍有必要將財產(chǎn)所有權轉移給子女。這種完成所有權轉讓表格的行為向保險人表明，監(jiān)護人行使任何權利，權力或權威的資格已經(jīng)終止。 （財產(chǎn)）轉交至未成年人 代表未成年人行使財產(chǎn)性利益時，財產(chǎn)監(jiān)護人必須以善良管理人的標準要求自己處理財務事務。這樣轉移的財產(chǎn)或禮物僅僅局限于授予未成年人因財產(chǎn)所得的利益，但財產(chǎn)當前情況下要登記于財產(chǎn)監(jiān)護人之下，直到未成年人達到必須的年齡。財產(chǎn)托管人肯定要移交財產(chǎn)的 義務，如人壽保險的歸屬政策 一樣，使 未成年人容易受到不轉移財產(chǎn)托管人 的侵害 ，無論是由于疏忽或 恣意 。一個成功的模式在很大程度上是 ” 轉移到未成年人統(tǒng)一法（烏特馬 法規(guī) ） ” ， 其 已在 48 個州 以及 哥倫比亞特區(qū) 通過 。 如果 對被列的財產(chǎn)托管人在保護未成年人最大利益時有疑問 ，參與子女撫養(yǎng)權訴訟 或 離婚的律師應該尋求烏特馬法規(guī) 保 改變托管人 。通過允許未成年人被以生命保險所有人命名，或者類似保單的所有權轉交到未成年人手中，烏特馬法規(guī)承認了持續(xù)很久的概念，即生命保險合同有“財產(chǎn)的一般特征”。一旦未成年人達到必須年齡，烏特馬法規(guī)規(guī)定：“財產(chǎn)托管人應該以恰當?shù)姆绞綄⑺O(jiān)管財產(chǎn)轉交到未成年人或其遺產(chǎn)。但對于個人財產(chǎn)（包括保險單）而言，沒有規(guī)定財產(chǎn)向未成年人自動轉讓的權利。當其女兒達到法定年齡時，這位母親拒絕將其占有的財產(chǎn)轉移給其女兒。這樣的問題大量存在。 如果剛已成年的人忘了或者拒絕填寫表格，無論是訴訟還是其他的什么方式，他們接觸和迫使不合作的托管人去完成轉讓所有權形式，這對他們來說是一種負擔。托管人在作為受托人 /監(jiān)護人時，僅僅擁 有占有利益。 參與子女監(jiān)護訴訟 的 律師 將 會 盡職地去 詢問是否有烏特馬 規(guī)定下的財產(chǎn) 存在，如果 存在 ， 就要保證列明托管人會可信并且愿意保護未成年人的最大利益 。 6 Protecting Minors by Reconsideration of Life Insurance Contract Ownership Transfers Under the UTMA BY ANTHONY J. ALT DEPARTMENTS CHILDREN The purpose of model laws is twofold: (1) to further uniformity among various jurisdictions and (2) to help provide clear legislation that protects the best interests of those to whom the legislation will apply. One largely successful model law is the Uniform Transfers to Minors Act (UTMA), which has been adopted in 48 states and the District of Columbia. The UTMA is an expansion of the Uniform Gifts to Minors Act, which has been adopted in some form in every state. The UTMA is a mix between a trust and a guardianship and permits transfers of property to minors by vesting them with legal title and equitable interest to the property, while granting possessory rights, powers, and duties to custodians of the property on behalf of minors. As such, the UTMA, with which family law practitioners should be familiar, permits actions that can be of tremendous benefit to minors, but simultaneously makes minors vulnerable to the negligence or willfully adverse actions of the custodians of property transferred under the UTMA. Family law attorneys should inquire whether UTMA property exists. The UTMA’s requirement that custodians affirmatively transfer custodial property to minors once they reach the required age. A custodian’s affirmative duty to transfer custodial property, such as ownership of a life insurance policy, leaves a minor susceptible to a custodian who fails to transfer the property, whether due to negligence or willfulness. Instead of an affirmative duty to transfer custodial property, the UTMA should be modified to provide for an automatic transfer of 7 ownership and possession of a life insurance policy upon a minor’s reaching the requisite age. But until the UTMA is modified, attorneys handling divorce and child custody proceedings should inquire whether a minor is an owner or beneficiary of a life insurance policy under the UTMA and if so, ensure that the custodian listed on the policy will protect the best interests of the minor and transfer the policy or proceeds at the proper time. If it is questionable whether the named custodian of the property will protect the best interests of the minor, an attorney involved with divorce or child custody proceedings should seek to have the UTMA custodian changed. This can be acplished by having the custodian resign and a successor custodian named or by petitioning the court. For attorneys handling a divorce proceeding, ascertaining whether a minor is an owner of a life insurance policy or annuity under the UTMA (or any UTMA property) is important since such property is not marital property of the , it should not affect calculating the distribution of marital property. CREATION OF CUSTODIAL PROPERTY AND CUSTODIAN’S DUTIES UNDER UTMA Under 1