7 Note that to prevent the purchase of life insurance claims generated when unnecessary disputes In

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

1, the designated beneficiaries to be the legitimate

"Insurance Law" stipulates that the insured person or beneficiary may be designated insured. However, the designated beneficiary when the insured person shall be subject to the consent of the insured. If the insured person without civil capacity or with limited capacity for civil conduct of the person, you can specify the beneficiaries of its guardian.

Second, the insured must have insurable interest

"Insurance Law" stipulates that the subject of insurance policyholders do not have insurance benefits, the insurance contract null and void.

In life insurance, the insured person having an insurable interest on the following persons: 1. I; 2. Spouse, children, parents; 3. And the insured is rearing, maintenance, or dependency relations between the other family members, close relatives; 4. Other: If an insured person agree to enter into a contract for its policyholders, as policyholders have insurance benefits.

Therefore, the insured to purchase life insurance, if blinkered, insured people may not get insurance benefits, therefore, is best for the person having an insurable interest to purchase better.

Third, select the appropriate payment methods

Purchase of life insurance in general have a variety of payment methods to choose from, such as a single lump sum payment of all premiums barges, according to year, half a year, quarter, month to pay the period of payment and so on.

So, which way it would be more appropriate for the insured? For now higher income, but income is not very stable are concerned, the way taken by barge to pay is relatively conservative; while for a stable income and those who are different, the way they used to pay years and extend the payment period, will be much easier some, also can get more protection.

Fourth, this obligation to be truthful to comply with

Underwriting insurance companies prior to the insured in the insurance policy will require written informed of important issues. If the insured intentionally or by negligence cover, the insurance company would not be liable, and the right to terminate the contract.

Therefore, the policyholder when taking out policies on some "special thing", for example, what are serious diseases, should also be accurately informed, otherwise the future there would be loss of money possible.

5, non-random generation of signatures

"Insurance Law" the relevant provisions clearly pointed out that when taking out policies related to the signature and seal must I complete.

Therefore, the insured when purchasing life insurance, for insuring a single, health declaration, change applications, or other relevant documents, should be carefully read, fill in and personally signed, the sign of the respect of his own signed, it is time to benefit Let people signed the beneficiaries to sign, do not arbitrarily executed on behalf of each other.

6, ask for a receipt Unity

The payment of insurance premiums, we must pay attention to ask for the unity of the receipt issued by insurance companies and properly kept, if the insurance company agreed to cover, they should get the insurance companies that issued a formal policy; if insurance companies do not agree to cover, then the insurance company shall forward the collection of premium refunded in full.

Do not lightly to believe and accept the Personal Insurance Marketing IOUs issued by, or receipt and so on, to prevent disputes.

7, note that the insurance take effect

My insurance company a general rule, the insured pay the first premium, and insurance companies that issued the policy, the insurance only enter into force.

Therefore, the insured should pay attention to the insured's own policy is to take effect, to prevent unnecessary disputes when claims.