Research On Reinsurance System Of Life Insurance Contract

The foundation of the reinsurance system of life insurance contract lies in the particularity of the personal insurance contract,which not only protects the interests of the policyholder and the insured,but also has important significance for the stability and efficiency of the insurer and the entire insurance market.The first chapter is the theoretical analysis.Starting from the reutilization model of personal insurance contracts,the author analyzes the respective advantages and disadvantages of consensualism,suffocianism,loose and negotiable support,and the direction of China's future legislative reform.Then focus on the specific elements of the effectiveness of the life insurance contract,the theoretical analysis of the specific aspects of the life insurance contract,the grace period for the insurance applicant,and the determination of the change in the risk during the termination period are carried out.Finally,the nature of the reinsurance contract is the end of the determination leads to the controversy over these theoretical issues in insurance practice.The second to the fifth chapters are case analysis sections,and the second to fourth chapters are the major disputes among parties to insurance contracts in practice.With regard to the three aspects of the suicide exoneter clause and the combination of typical cases,it analyzes where the current law is imperfect or blank,and whether the practice of the court is reasonable or unreasonable.The fifth chapter is a review of problems that are rare but meaningful in some practices.If the insured can apply for reinstatement after the contract is suspended for two years,the specific time for the reinstatement of the contract,whether the insurer can increase the premium when it is effective,etc.Combining with the previous analysis of the theory and the case,the author puts forward several suggestions on the direction of the future revision of China's insurance contract rejuvenation system,so that the law can give more specific guidance for practice.