The Research On The Reinstatement Of Life Insurance Contract In China

Life insurance contract reinstatement is an important and unique system of the insurance law. It can make a good balance between the parties for their interest relationship of the insurance. For the policyholders, it’s for investment and savings.For the insurers, it is stabilizing and maintaining the customer resources, saving the cost of the exhibition industry, improving operational efficiency. However, the insurance of our country, it’s a little late to start, and not perfect, and the rules about the reinstate are rough. It cause there are many different views about the rule in insurance. In addition, with the development of personal insurance cause in our country, it is important to re-examine and explore our current life insurance legislation reinstatement contract system, and malpractice clarify some confusion in theory, correct practice, put forward to a positive, concrete suggestions and countermeasures.This paper focused on issues related to the life insurance contracts reinstatement research and analysis system. In addition to the introduction and conclusion, the paper is divided into four chapters.The introduction included the background and significance of some of the major life insurance contract reinstatement system, domestic and international research, research ideas and research methods, the main content and innovation points of this paper.The first chapter is life insurance contracts worth reinstatement system analysis.It is focusing on analysis and verification of the life insurance contract system reinstatement value and efficiency of the fair value of the insured and the insurer,advocating reinstatement value system should be a combination of equity and efficiency, both fair and efficient. Coordinated with the reinstatement value system,the nature of the life insurance contract for the reinstatement is the original contract,not to a new contract or special contract.The second chapter examined the value of the life insurance contractsreinstatement rule. From the point of view, the consent reinstatement model insurable condition, the obligation, to pay the premiums and other aspects, we examined, reviewed the specific rules of the existing life insurance contract system and reinstatement the relationship between the values of the complex system efficiency, analysis the conflicts reinstatement institutional rules and coordination between different values.The third chapter put forward to improvement measures and suggestions on perfecting the life insurance contract reinstatement system in China. Proposes to reduce the insurer agrees to restrict the freedom of discretion to prevent the insurer increases, thereby protecting the interests of the insured; for insurability of the insured person checked, mainly health problems check, just to fulfill a significant hazard increased obligation to inform; should increase the insured to pay the arrears before the insurance policy premiums and interest to suspend provision prohibiting insurers collect premiums and interest to suspend the effectiveness of the policy period; expand the main application for reinstatement of the insured, the beneficiary their close relatives should also apply for the right to reinstatement of the policy;recalculated when reinstatement banning suicide exemption period and incontestable.At last, we summarized the main points of the paper in the conclusion.