The Select Of Restatement Pattern Of Life Insurance Contract

The Restatement of life insurance contract is a unique system,The set of this system is based on the specificity of life insurance contract,in the life insurance contract,the mark is the life and healthy,so it has characteristics of long time period and install of paying premiums.In case of life insurance contract lose its effect due to forget to pay premiums for a short while or other reasons,the life insurance contract particularly set the restatement in order to provide more succor for policy-holder.Therefore,many countries and areas set restatement in life insurance contract,but the choose of pattern of restatement is difference.For example,the Germany which is called collector of land insurance contract adopted the doctrine of automatism.The United States of America which is the representative of Anglo American law system adopted the doctrine of insurable.Our country adopted the doctrine of agreement in life insurance contract.Each pattern has advantage and disadvantage.But in terms of the purpose of restatement,the doctrine of automatism is more beneficial to restatement of insurance contract and policy holder.This text intend to narrate the pattern of restatement in three part,the first part mainly introduced the restatement and several pattern of restatement,which are divided by the size of power with insurer.The second part mainly introduced advantage and disadvantage of several pattern of restatement and express my standpoint.The third part mainly introduced the pattern of restatement that adopted by our country and analyze the problem in working,explain the causes that led to it,put forward the advise that restructure the pattern of restatement that our country adopt.