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Data:2009-12-12 2:34
Beneficiary "legal" or "statutory beneficiaries" should be considered as not designated beneficiary. "Insurance Law" provides that: there is no designated beneficiary, the insurance premiums as the insured person's estate, from the insurer to the insured person's heirs to fulfill the obligation to pay insurance premiums. The payment of insurance money will face many problems, it is highly likely to fall into the insured property inheritance disputes. Therefore, when you purchase a variety of life insurance, fill out the "beneficiaries" To his most want to protect the person's name written on them, if the insured's family status change, shall promptly make changes to the insurance company.
Life in the insurance, the "beneficiary" column is very important, as it related to the occurrence of insured accident, who will get compensation from insurance. If you fill out properly, the insured and the insured person has been to protect those who wish, may not be insurance, which was contrary to the intention of the insured.
At present, the insured beneficiaries only to write a column "legal" or "statutory beneficiaries" of the situation is more common, insurers have generally to be recognized. However, this practice in the settlement of claims often lead to many problems and, therefore, undesirable.
Mr. Lee in 2002, to a certain insurance companies in life insurance, the insurance amount of 60,000 yuan, the beneficiaries of an insured single-column filled in as "legal." Ms. Wang Li and his ex-wife, when the insured has been married five years, children 2 years of age. In 2003, the couple divorced, raising her son by Ms. Wang. In 2004, Mr. Lee and Miss Choi was married to Miss Choi and her ex-husband gave birth to a woman, Miss Choi was a dependency.
Shortly after, Mr. Lee, unfortunately, died due to accident, the insurance company Reparation 6 million in accidental death insurance. At this time, Ms Wang, Miss Choi had filed a claim with the insurance company to apply. Ms. Wang said that Mr. Lee insured, it will be the beneficiaries filled in as "legal" should refer to the insured when the heir apparent, only himself and his son in order to receive this death insurance. Miss Choi claimed that the beneficiaries of insurance policies since the agreement is "legal", it should be allocated according to the provisions of inheritance insurance for themselves and their unborn fetus 3 months should receive the insurance payment and the daughter born to her ex-husband due to the formation and Lee a stepfather female relationships should also be entitled. Insurance companies in the distribution of these 60 thousand yuan insurance payments, creating a greater divergence, resulting in delays in cases closed.
China's relevant laws of the beneficiary has no clear mandatory provisions, so the beneficiaries of "legal" or "statutory beneficiaries" should be considered as not designated beneficiary. If no designated beneficiary, "Insurance Law" Article 64 provides that: there is no designated beneficiary, the insurance premiums as the insured person's estate, from the insurer to the insured person's heirs to fulfill the obligation to pay insurance premiums. In reality, under the "inheritance" requirement, payment of insurance money will face many problems, it is highly likely to fall into the insured property inheritance disputes.
Therefore, the financial consultant's recommendations, to purchase a variety of life insurance, the fill out the "beneficiary" must be taken seriously, it is necessary to protect its own most wanted person's name written in them. In addition, the beneficiary can be changed after the establishment of the policy. If the insured person's family circumstances change, shall promptly make changes to the insurance company. (Qin Xiaohua)
