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LÉRY · GOLD CARD FIELD GUIDE

Should a quote for one applicant be assumed to include the spouse and children?

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THE DIRECT ANSWER

No. Confirm the actual service scope and intended eligible relatives. The official FAQ calls for initial inclusion of the joining spouse and unmarried children under 21.

Separate professional coverage from family government amounts

Each eligible joining relative adds US$15,000 and a US$1 million gift. A household discount on private services does not discount those published amounts or establish a relative’s eligibility. Hypothetical example: an environmental compliance manager is quoted a household rate and assumes an unmarried son who turns 21 next spring is covered by it.

Two different questions hide inside that assumption: whether the adviser's fee covers him, and whether he remains within the intended group at the relevant time. Ask the adviser to list covered persons by name in the engagement letter, and ask counsel how each person's age and marital status are assessed and at what point. Then set out the official amounts for each intended person separately, since a discount on professional services changes nothing about them.

Where a relative might join later rather than initially, ask what that changes, because the official FAQ calls for initial inclusion of the intended joining spouse and unmarried children under 21. Each person's own eligibility and admissibility still require assessment on their own facts. Ask as well what the adviser charges to add a relative later, and record the answer with the rest of the quote.

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