Research On Legal Issues Of Life Insurance Beneficial Interest

The new Insurance Law China promulgated in2009further improved the modifications in System of the beneficiary of the life insurance contract in many aspects,and has improved a lot.However,there are still many problems in some The design of the system of laws and regulations.This paper tries to discuss from the three problems of Life Insurance beneficial interest,and discuss the impropriety in it,at last propose a better solution.Thus,we can not only protect the interests of all parties of the insurance contact bitterly,but also solve the problems in practiceTriggered by insurance beneficial interest, So as to achieve the purpose of saving judicial resources.The paper is divided into four parts. The first part is the basic theory of the insurance beneficial interest, mainly from the life insurance, power, legal nature, as well as the theoretical basis for analysis. The second part is the personal insurance beneficial right of the main identified in legal issues, as well as suggestions for improvement, the legal effect of the change of the beneficiaries are mainly from the specified statutory beneficiaries, the insured does not annotated, reasonable restrictions insured person the right to change four were analyzed. The third part is the loss of life insurance beneficial interest exists in terms of the legal issues and suggestions for improvement, mainly from policyholders for the beneficiaries of the Pharaoh, the loss of beneficial interest standard, the allocation rules of the insurance money in good faith in favor of three for analysis. The fourth part is the personal the insurance beneficial interest in terms of the common disaster legal issues and suggestions for improvement, some of the major insurance money from the policy owner and beneficiary when the insured vest in two aspects of analysis.