Insurance policy beneficiary be careful filling Insurance Tips

Category: Insurance tips Release Date: 2006-08-01

Just because the policy beneficiary column "legal" word-laws led to a dispute.
In 2001, Mr. Wang unmarried, the Queen Mother for him a certain life insurance life insurance (with responsibility for personal accident death), and on behalf of Mr. Wang paid the premiums, but did not specify the beneficiary. Insurance company staff members in the insurance policy of the "beneficiaries" column filled out the "legal" word. In 2002, Mr. Wang and Ms. Zhang married young man a boy. People have good and bad fortune overnight, Wang, a business trip, when a car crash, unfortunately passed away. Insurance company required to be paid 100,000 yuan compensation for death, but the Queen Mother and the very fact that the compensation dispute between The very fact that he is a statutory beneficiary, of course, have the right to split insurance. Queen Mother of the thought that he was insured, and pay their own premiums, the insured, when Mr. Wang, unmarried, and therefore the statutory beneficiary when the insured should be the parents. They eventually ended up in court.

Case Study --- "legal" The very fact that the beneficiaries of the war and the Queen Mother of the differences is that "legal" in the end beneficiary of the policy is signed, or when the subject claims?
When insurance claims are based on the statutory beneficiary of the accident to define. The Queen Mother for her son that the policy is purchased, the premium is paid for her own, the beneficiary should be their own. However, in practice, insurance claims and premium payments are not linked.
The Queen Mother said that she pay the premiums when the idea of Mr. Wang and certainly if so what's unexpected events, this cost could be left to parents to old age. But, unfortunately, insurance companies and the courts can not make a decision according to this speculation. Difficult to obtain support for the aspirations of the Queen Mother.

Should be noted that, it is understood, fill in the policy, the insured the beneficiary bar casually fill out the "legal" word, which leads to family disputes are not unusual. The dead can never recover, the family may be alive but for the "legal" cross-word so much noise it difficult to open. Therefore, solemnly warned the industry: the insured, when signing the policy, do not be sloppy, should clearly indicate the beneficiary, if no designated beneficiary, the insurance company will consider the beneficiaries of "legal."

Provides insight into --- "legal" what is the meaning of "legal", it can be understood as "statutory beneficiaries", but "Insurance Law" and not "statutory beneficiaries" of this word; but some interpreted as the "heir apparent" as the beneficiary.

Although the two kinds of understanding of the insurance payments are ultimately paid to the insured person's heirs (spouse, children, parents, etc.). However, there is a qualitative difference between the two, which is the insurance premium as the insurer's estate to split, while the former, as the nature of the insurance payment will not change. If the insurance payment as an inheritance, which involves the payment of life insurance, pre-payable taxes and liquidation of the debt issue during his lifetime. It is learned that inheritance tax will soon come to light if the insurance premiums as a legacy to deal with and will pay the inheritance tax.

"Legal" in the end to be understood, related to the insured and the beneficiary's interests. On the other hand, just fill in "legal" to the insurance company's claims will cause trouble. So, when you fill in the policy should be considered carefully and clearly fill in the beneficiary's name.
If you really want to click "heirs" in order to allocate the insurance fund should be clearly written in the "legal heirs as the beneficiary, distribution of the estate be allocated to insurance premiums" and avoid the generic "legal" word.

Expert advice --- fill out the beneficiary pay attention 5:01 pm, to consider "legal" the beneficiaries of the time factor "legal" is the meaning of the word changes with the time factor. Fill out insurance policy must take into account the changes in family structure, such as marriage, divorce, death, etc. of the elderly. In order to ensure that the insurance to be honored consistent with the wishes of the insured to sign the policy when the name of the beneficiary or should Xieqing sound.

2, change the beneficiary, an oral description is invalid to change the beneficiary, must be in writing insurance company, if only verbal commitment, then the final is invalid. Wang, indeed, even mentioned the idea of holding the Queen Mother, and the parents have made commitments, but as long as no written notice to insurance companies to change the beneficiary, this way of thinking and commitment are invalid.

3, distribution can specify when completing the beneficiaries, but also note that insurance can specify the ratio of allocation. Although the beneficiary has the exclusive Shun has, but the division of insurance will not be ranked before and after, but there were differences in the average number of insurance companies according to the distribution.
If you want according to their wishes, according to the different distribution of the beneficiaries of the amount of insurance can be the beneficiary of a column in proportion to fill in their desired distribution program.

4, buy accident insurance is not "skimming the surface"
Some of the time required to purchase accident insurance rush, such as the aviation accident insurance. Many people do not pay attention to the time of purchase, the beneficiary often too lazy to fill out. In this way, if, unfortunately, accidents, insurance companies will be in accordance with "statutory beneficiaries" to deal with. In this way, insurance claims must clarify the legal heirs of the insured person, and evenly distributed, so that only increase the difficulty of claims, but also may be related to the insured person's wishes conflict, but also easily lead to family disputes.
So, when you purchase accident insurance, if there are beneficiaries of a column, do not a "mere formality" mentality, but to be taken seriously.
5, insurance companies, insurance companies should be a timely reminder to consumers in the contract business process, the beneficiaries should be avoided to write a column only "legal" or "statutory beneficiaries", and the recognition of this situation may lead to settlement of claims when the trouble, timely to remind consumers to carefully consider the interests of consumers will get the greatest degree of realization.

Must be careful when you fill out insurance policies according to their wishes explicitly specify the beneficiary, to make changes to promptly notify the insurance company in writing. In this way, both the difficulty of reducing insurance claims, but also to safeguard their own interests and wishes, more importantly, to avoid future family disputes, why not?