Research On Life Insurance Beneficiary Rules

With the gradual improvement of China’s rapid economic development and the laws and regulations, the requirements of the protection of their own people but also to improve the lot of China’s insurance industry has become one of the major pillars of the financial sector, related to insurance law disputes is gradually increasing. In order to better protect and promote our prosperity and development of the insurance, insurance law regarding perfect clockwork regulations is particularly. The most important individual risk insurance as a means to pass on to become the way to protect the moment a lot of people choose. But the premise of individual risk is passed on effective protection of the insured, As can be seen from the insurance practice, whether it is the insurance company or insurance salesperson consumer understanding of insurance beneficiaries are present in this big misunderstanding, therefore, the reason most insurance disputes mainly lies Insurance beneficiary vague understanding or wrong understanding. Therefore, further discussion of relevant laws and regulations beneficiaries has important practical and theoretical significance. As the beneficiaries of insurance contracts, and also enjoy the right to request the money, is the focus of insurance coverage. Precise understanding of beneficiaries is to ensure smooth payment of insurance companies and key objects to achieve the ultimate goal.Because China "Insurance Law" the relevant provisions of the beneficiary is not clear and change the beneficiary designation, insurance issues such as the case of heritage just a simple description, and there are unreasonable and even between the relevant provisions conflicting. In theory, the study of beneficiaries is relatively weak, there are questions about the beneficiaries also will be there are differences.Therefore, this paper studies the insurance beneficiary, the main problem of defining the scope of beneficiaries, eligible beneficiaries, the rights of beneficiaries, and the beneficiaries generated theoretical and practical analysis of the system’s beneficiaries appear each kinds of difficult problems, in order to be properly understood beneficiaries, protecting the legitimate interests of beneficiaries and provide reference for solving the insurance disputes, provide theoretical support for the beneficiaries to improve the system, you can better promote the rational and healthy development of the insurance industry.