If the death beneficiary is not written in the insurance, the policyholder is the death beneficiary?

To take buying insurance seriously, many people regret that they don't know about buying it, and you can't know these contents before buying insurance:"Before buying insurance, you must first figure out these key knowledge points! 》

Among the many contents of insurance, the first thing to know is the policyholder, the insured and the beneficiary. Next, let's analyze them separately:

1. The concept of policyholder, insured and beneficiary

(1) Policyholder

The policyholder is the person who needs to pay premiums to the insurance company and has signed a contract with the insurer. It can be understood in this way that insurance is a commodity, there are buyers and sellers, the policyholder belongs to the buyer, and the insurance company belongs to the seller.

(2) Insured

The person who is covered by the insurance contract and can claim the insurance benefit is the insured. For example, Xiaobai has a critical illness insurance that Xiaohong bought for him, and unfortunately he is diagnosed with a critical illness, this insurance can make a claim, and Xiaobai is the insured in this relationship. The policyholder can be the insured, that is to say, Xiaohong can buy critical illness insurance for herself, so both the insured and the policyholder are Xiaohong.

(3) Beneficiaries

The beneficiary refers to the person designated by the insured or the policyholder in the life insurance contract to have the right to claim the insurance money. For example, Xiaohong buys a critical illness insurance for Xiaobai, Xiaohei is the beneficiary, and Xiaobai suffers from a critical illness and can get a claim for Xiaohei.

II. Restrictions on Policyholders, Insureds, and Beneficiaries

Policyholder

If the policyholder wants to enter into an insurance contract, it must meet the premise of having an insurance interest in the insured, and in this regard, the Insurance Law tells us that the policyholder can insure the following persons with insurance interests:

Insured

The premise of purchasing life insurance for the insured is that he has the capacity for civil conduct.

The insured has the obligation to make a truthful health notification before applying for insurance, otherwise it will have a great impact on the policy, please see the specific reasons: :"Is the health notice of the insurance company making it difficult for us? 》

Beneficiary

Beneficiaries are divided into legal beneficiaries and designated beneficiaries.

The legal beneficiary is to stipulate that the beneficiary is the legal heir, and the following order of inheritance is stipulated in the Inheritance Law:

First order: spouse, children, parents.

Second order: siblings, grandparents, maternal grandparents.

Beneficiaries can be designated by the policyholder and the insured, and the order and share of the benefits can also be designated by the insured and the policyholder, and the designated beneficiaries can be one or more. Hope!

If the beneficiary column is indeed not written, the death benefit is treated as the insured's estate.

In this case, the legal heirs of the insured can go to the insurance company to pay the insurance money with the notarial certificate issued by the notary public on the qualification of the legal heir and the corresponding claim settlement certificate.

In my experience with insurance. If the insurance policy (a ** that needs to be filled in before purchasing the insurance contract) has a column of insurance beneficiary, and the policyholder does not fill it in according to the regulations, then the insurance policy cannot be approved by the insurance company to take effect. If you encounter this kind of problem, you have to consider whether the insurance person who helps you deal with insurance matters is professional enough.

If the beneficiary column is indeed not written, the insurance company will usually deal with it according to the legal procedure, which is to deal with it according to the insurer's estate, and distribute it according to the statutory beneficiary share.

Usually the beneficiary column can be written with the name of one immediate family member or the name of multiple immediate family members, and the beneficiary share can be indicated. If you don't want to write the name of your immediate family, write it"Statutory".

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Generally speaking, if there is no special agreement at the time of application, the beneficiary of the death should be the legal beneficiary of the insured. In other words, we have to refer to the inheritance law.

The legal heir is not necessarily the policyholder.

I'm also remembering it as a legacy, for sure

Summary. If the beneficiary has been designated at the time of application, then the beneficiary does not need to provide proof of relationship when the insured dies. Conversely, if it is not specified (e.g., statutory), then it is necessary to provide proof of the beneficiary's identity and proof of relationship with the insured.

If the beneficiary of the deceasement is named in the insurance, do I still need to provide proof of the relationship between the beneficiary and the insured in the claim?

If the beneficiary has been designated at the time of application, then when the insured dies and is missing, the beneficiary does not need to provide proof of relationship. On the contrary, if it is not specified (such as statutory), then it is necessary to provide proof of the identity of the beneficiary, as well as proof of the relationship with the insured.

However, if the beneficiary is referred to as a number of people, when the relationship between him and the insured changes, for example, he was originally a husband and wife, and later divorced, so the beneficiary still needs to be reformulated. Proof of this relationship may still be required during the claim process.

In the life insurance contract, the policyholder must fill in the "beneficiary". In layman's terms, the beneficiary is who the insurance company will pay the money to after you have taken out the insurance, in case something happens to you.

In accordance with the Insurance Act.

provisions, life insurance.

The beneficiary must be designated by the insured or the policyholder, and if the policyholder designates the beneficiary, the consent of the insured must be obtained. The main reason for such a provision is that life insurance takes the life of the insured as the subject of insurance, and in order to prevent someone from defrauding the insurance for money, when determining the beneficiary, it must be designated by the insured or with the consent of the insured.

When applying for life insurance, the insured or the insured may designate one or more persons as the beneficiaries of the death benefit. When there are several beneficiaries, it is advisable to determine the order of benefits and the share of beneficiaries of the beneficiaries, and if no share is determined, then each beneficiary has the right to the benefit according to the equal share.

The insured or the policyholder can change the beneficiary of the death benefit, but it must be notified to the insurance company in writing and approved by the insurance company before it becomes effective. The insurance company shall not be liable for any disputes arising from the change of the beneficiary.

The policyholder must obtain the written consent of the insured when designating and changing the beneficiary of the death benefit. There have been several cases where disputes arose in the handling of death insurance benefits because the policyholder did not obtain the written consent of the insured when changing the beneficiary to return to the bridge, so the change of beneficiary must show the written consent of the omitted insurer to avoid unnecessary disputes. This point is also set to prevent malicious harm to the insured for the sake of profit, and to effectively protect the interests of the insured.

In addition to the provisions of the insurance contract, if one of the following circumstances is encountered, the death insurance proceeds will be treated as the estate of the insured: 1. No beneficiary is designated; 2. The beneficiary dies before the insured and there is no other beneficiary; 3. The beneficiary loses the right to income or waives the right to income in accordance with the law, and there is no other beneficiary.

The beneficiary of total disability insurance and critical illness insurance benefits is the insurer himself/herself, and most insurance companies do not accept other designations and changes of such beneficiaries.

1. If the husband is designated as the beneficiary in the first order and the child is the beneficiary in the second order, the distribution order of the death insurance claim is as follows: if the husband is still alive after Li's death, he will receive 100,000 yuan in compensation, and the child cannot get the compensation money; If the husband has passed away before Li's death, the child will receive 100,000 yuan in compensation.

2. If the beneficiary shares of the husband and children are specified to be 70% and 30% respectively, then, if the husband and children are alive when Li dies, the husband will receive 70,000 yuan in compensation and the child will receive 30,000 yuan in compensation.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The insured death beneficiary refers to the life insurance.

, the person designated by the insured or the policyholder who is entitled to receive the insurance money after the death of the insured person may be one person or more than one person.

Specify the beneficiary, in life insurance, it is very important to designate the beneficiary to the beneficiary ratio, which will determine the attribution of the insurance money. If the insured has already designated the beneficiary and the percentage of benefits at the time of purchase, then everything will be done in accordance with the contract. However, if the insured only specifies the beneficiary but does not specify the benefit ratio, then the beneficiary is designated in the same order of benefit, that is, the insurance benefit is divided equally.

If the insured does not designate a beneficiary at the time of purchase, the insurance company will distribute the insurance money in accordance with the provisions of the estate law and in the order of inheritance.

The inheritance is the first order of succession for spouses, children, and parents. Second order: siblings, grandparents, maternal grandparents. After the inheritance begins, it is inherited by the first-order heirs, and the second-order heirs do not.

If there is no inheritance by the first-order heirs, the quarrel shall be inherited by the second-order heirs.

The market value of the beneficiary of the first insurance is in the life insurance, and the person who accepts the benefits of the insurance contract, the beneficiary is designated by the insured and is included in the insurance contract, and there are several specific situations:

When the policyholder insures life insurance for himself, the beneficiary may be the policyholder, that is, the insured, and when the policyholder insures life insurance for others, the beneficiary may be the policyholder, the insured, or a third party, and the insured can change the beneficiary during the insurance period.

After the death of the insured, the person who is eligible to receive the claim is the beneficiary of the death blind, if the beneficiary is clear, after the occurrence of the insured accident, the insurance money will be paid directly by the insurance company to the beneficiary If it is filled in the statutory or not specified, the insurance money will be distributed by the insurance company in accordance with the legal inheritance order, and it may cause disputes, therefore, it is best to clearly designate the beneficiary when purchasing insurance.

What are the difficulties in making a claim without a designated death beneficiary?

If there are multiple heirs, and the heirs are in different cities, it is necessary to clarify the heirs and inheritance ratios, and the signature confirmation procedures will be time-consuming and complicated.

What are the benefits of designating a death beneficiary?

If the beneficiary of the policy clearly specifies the order of benefits and the share of benefits, only the identity certificate of the beneficiary needs to be provided when applying for a claim, which is simple and convenient to settle the claim.

Hello, it's all right. The beneficiary of the insurance can be accompanied by the policyholder or designated by the insured, and the consent of the insured is required when the beneficiary is designated by the policyholder, and the consent of the policyholder is not required when the beneficiary is designated by the insured. At present, the beneficiary of the insurance can be designated as one or as many, and when the beneficiary is designated as many, the policyholder and the insured need to determine the beneficiary order and beneficiary share, and if the beneficiary order and beneficiary share are not determined, then they will both enjoy the beneficiary rights according to the equal share.

I would like to remind you here that the beneficiary of insurance is divided into a living beneficiary and a death beneficiary, the survival beneficiary will generally be designated as the insured himself, and the death beneficiary will generally be designated as the spouse, children and parents of the insured person. Of course, no matter who is designated as the beneficiary, as long as it is determined that the beneficiary will not endanger the personal safety of the insured, and will not deliberately endanger the insured in order to obtain insurance benefits.

Generally speaking, it is possible to buy insurance without writing the death beneficiary, if the death beneficiary is not written, then the legal heir of the insured will be the death beneficiary by default, but the senior sister recommends that the death beneficiary be appointed as soon as possible.

1.Beneficiary

The beneficiary is the person who can get the insurance claim, and generally speaking, the beneficiary of the insurance benefit other than the death benefit is the insured by default.

If you have a death benefit, even if you specify a death beneficiary, it only means that the death benefit will be paid to the beneficiary, and the rest of the benefits will still be paid to the insured. Taking critical illness insurance as an example, if the purchased critical illness insurance has a death benefit, then the insurance benefits other than the death insurance benefit, such as the critical illness insurance benefit and the mild illness insurance benefit, are given to the insured person, and only when the insured dies and complies with the contract, the insurance company will pay the death insurance benefit to the designated death beneficiary or legal heir.

Speaking of critical illness insurance, I have previously summarized the list of the top ten popular critical illness insurance companies worth buying, and I am interested in reading this: Top 10 popular critical illness insurance points worth buying!

2.Why should a beneficiary be named as soon as possible?

1) Avoid subsequent property disputes.

The designation of the beneficiary of death can not only specify the number of beneficiaries, but also specify the proportion and order of benefit, which can avoid property disputes to a large extent. If the beneficiary of the death is not designated, the death benefit will be distributed according to the inheritance law. If the heirs disagree with the distribution of the insurance money, they may quarrel over the money and hurt the feelings of their relatives.

2) Help save taxes.

Although our country has not yet introduced inheritance tax, it does not mean that there will be no one in the future. By designating a death beneficiary, it is possible to help the beneficiary save taxes by giving the death insurance benefit as a gift rather than passing it on in the form of inheritance.