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Data:2009-12-12 2:34
People who buy life insurance, in addition to the insurance after the accident occurred may request the insurance company for compensation outside 5 Xiaoxiao tell you that there are special rights can be exercised.
The first apply for reductions in the amount of paid
Policyholders in the payment period, for various reasons do not want to continue to pay premiums, still hopes to maintain the insurance contract in force can be written in the form of, at any time notify the insurance company to use that right.
Insurance company will be based on the policy's cash value insurance to calculate the amount of the corresponding, although somewhat reduced, but the contract is still valid.
The second in the scope of insurable interest, the insured can be converted
As long as the insured and the converted former policyholders, have agreed in writing to the insurance company can apply for procedures get this right.
For example, parents give their children sufficient insurance cover, and later their children married, and want their policyholders as their own, as long as children and parents agreed in writing to the insurance company can handle the relevant formalities.
There is such a case, the father of the child insurance after the divorce the child support awarded to her mother, the father refused to continue to pay this premium, nor the procedures for handling policyholders conversion, resulting in insurance contracts expire. Insurance, accident occurred when a child needs to claims, naturally, do not get paid.
The third policy as collateral can be insured to the insurance company to apply for loans
Insured need cash flow, you can make to the insurance company "policy loan." However, subject to certain conditions: the insurance contract must be loan provisions; loan amount shall not exceed a certain cash value; if they are insured full 18 years of age, should be approved by him.
The fourth beneficiary of the insured have the right to change at any time
As long as the new beneficiary within the scope of insurance benefits, and get adult insured person agrees in writing insurance company can be handled.
The fifth may apply for Reinstatement
Failure in the insurance contract within two years, if the physical condition of the insured person did not happen any adverse change in the insured is willing to make up for the premium payable may apply to the insurance company to restore the effectiveness of the original insurance contract, after examination and approval by the insurance company reusable effect.
In addition, there are also entitled to purchase insurance, insurance company, after the provision of various services, such as check insurance benefits, replacement contracts, change contact details, lifting the insurance amount, additional insurance, and so transform.
