The guarantee slip during marital continuance, encounter divorce remarriage and death, who should deceased gold give?(2)

2022-05-06 0 By

Two different situations of the same problem. Last time, we analyzed the applicant and the insured, both of whom were Mr. Wang himself.Today we’re going to look at what would happen if it wasn’t the same person?Case analysis — ① Three kinds of relations when the insurance — the applicant: Ms. Ding, the insured: Mr. Li, the deceased beneficiary: spouse Ding.② Li and Ding’s marriage ended 7 years later, Ding remarried, and his current wife Song, Ding upgraded to his ex-wife.③ Mr. Li died in a traffic accident 3 years later. His wife Song and his ex-wife both applied for compensation of Mr. Li’s death fund to the insurance company. Who will the insurance company compensate?(Note: the beneficiary has not been changed in li’s insurance policy in these years.) Conclusion: 100% of li’s death fund of 20 million yuan will be allocated to his ex-wife Ding.Doubt: Li zong’s ex-wife Ding mou is in two people’s marriage period, for Li Zong insured;If Ding is a full-time wife, and all the premiums come from The total work income of Li;Li died and Ding mou also have no marriage relationship, why will ding zong’s death fund of 20 million 100% allocated to ex-wife Ding mou?Legal basis: (1) If the applicant and the insured are the same subject, the beneficiary shall be determined according to the identity relationship between the insured and the occurrence of the insured event;② If the applicant and the insured are different subjects, the beneficiary shall be determined according to the identity relationship between the insured and the establishment of the insurance contract.Use vernacular corresponding explanation: ① oneself cast oneself, see accident when beneficiary is what relation person?If so, there are two cases :(A) if the insured, at the time of the insurance and the spouse at the time of the accident, is the same person, then the spouse will claim;(B) If the insured person changes spouse, the spouse relationship was not the same person at the time of the accident, and it is deemed to be divided equally among the heirs who have inherited the relationship.② Is not oneself to oneself, see the beneficiary when the contract is established what relation person?In this case, for example, when the contract was established, the wife voted for her husband, and even though the wife later became an ex-wife, the former wife still received the money.Remind: ① The policyholder is the owner of the interests of an insurance policy from the establishment to performance, and even the interruption or termination, are based on the will of the policyholder.We can be commonly understood as: I pay the money I say calculate!② The beneficiary’s agreement is very important not to simply because of the convenience, and in the insurance of the time to fill in the beneficiary is “legal”, unless it is really want to average the deceased gold distribution to spouse, parents and children all.For customers whose parents are policy-holders and children are the insured, I usually suggest that the beneficiary is agreed to be their parents when the insurance is made. After the children get married and have their children, the deceased beneficiary is the third generation.Of course, special cases need special discussion and agreement. Now the beneficiaries of death of some insurance companies can also be non-spouse, parents and children. The legal provisions are based on most cases.It doesn’t always make 100% sense to the individual.If dingmou in this case does not have economic source, the premium is li total hard work income;After the divorce, Li’s former wealth of 20 million yuan is received by his ex-wife Ding – seems to be some unreasonable;But the execution of the law requires that.Therefore, usually accumulate some legal knowledge, know how to protect themselves;In addition, if there is any change in the policy information, please inform me immediately;A few words may help you and your loved ones avoid unnecessary trouble and disputes