My wife and I are divorced, can I be the beneficiary of my personal accident insurance?

Yes, as long as you fill in the beneficiary in his name when you buy insurance, she is the beneficiary, and if you have an accident, he is the biggest beneficiary, and all the benefits of the accident insurance are hers.

The beneficiary of the insurance will not change because the two of you are divorced, it will be up to you to decide whether to change it so that one person can benefit, it all depends on your decision, so other factors are not important, so if you want to harm the beneficiary, it is him, then it is okay.

If the beneficiary of the original agreement is her, and you don't change it, it must be her; But if it was agreed that she was the legal beneficiary, then she would be disqualified. If you get married again, the legal beneficiaries become your current wife and family.

Hello, no, there is no legal relationship after the divorce, and you can apply for a change of beneficiary.

No, because you are no longer legally married.

Hello. It's a pleasure to serve you. If you are divorced and do not have a legal relationship, you can apply for a change of beneficiary.

Hello. Divorce is not allowed, and the beneficiary can be changed.

The beneficiary can be changed provided that you are the policyholder.

No, legal relationships are not allowed.

Hello, the beneficiary can be changed.

Summary. However, when people buy life insurance, it is often easy to ignore the "beneficiary". Article 63 of the Insurance Law provides:

The insured or the policyholder may change the beneficiary and notify the insurer in writing. After receiving the written notice of the change of beneficiary, the insurer shall make an endorsement on the insurance policy. The policyholder's consent to change the beneficiary is subject to the consent of the insured.

Experts remind that after the divorce, the husband and wife should cancel the beneficiary qualification of the original spouse or change it to another relative. Otherwise, the former spouse is still entitled to insurance benefits even if he or she is divorced.

Can the beneficiary of the insurance be a wife.

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Can the beneficiary of the insurance be a wife.

Hello, you can.

The so-called 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. When the insured dies, the beneficiary files a claim with the insurance company, and the insurance company confirms the claim and pays the insurance money directly to the beneficiary. Therefore, the beneficiary can be the insured's husband, wife, children, parents or siblings, as well as the policyholder, or a third person who has an insurable interest in the policyholder or the insured.

According to the provisions of the Insurance Law of the People's Republic of China, "the beneficiary of life insurance shall be designated by the insured or the policyholder. ”

However, when people buy life insurance, it is often easy to ignore the "beneficiary". Article 63 of the Insurance Law stipulates that "the insured or the insured may change the beneficiary and notify the insurer in writing.

After receiving the written notice of the change of beneficiary, the insurer shall make an endorsement on the insurance policy. The policyholder's consent to change the beneficiary is subject to the consent of the insured. Experts remind that after the divorce, the husband and wife should cancel the beneficiary qualification of the original spouse or change it to another relative.

Otherwise, the former spouse is still entitled to insurance benefits even if he or she is divorced.

If the beneficiary of the insurance is divorced, he can change the beneficiary of the insurance.

The beneficiary of the insurance refers to the life insurance.

, the person who receives the benefits of the insurance contract. The beneficiary is named by the insured and is enshrined in the insurance contract. In the insurance contract, the beneficiary only has the right and is not obliged to pay the premium.

If the beneficiary dies before the insured, the beneficiary's right to benefit shall be returned to the insured, or the policyholder or the insured shall designate a new beneficiary, and the beneficiary's heirs shall not inherit the beneficiary.

If the beneficiary intentionally causes the death, disability or illness of the insured, the insurer shall not be liable to pay the insurance money. If the policyholder has paid the insurance premium for more than two years, the insurer shall, in accordance with the contract, refund the cash value of the insurance policy to the other beneficiaries who enjoy the rights.

If the premium is paid by the insurance owner with his or her own personal property, then the policyholder has the right to change the insurance beneficiary to someone else; If the premium is paid by the joint property of the husband and wife, then the beneficiary change needs to be decided by the husband and wife through negotiation, and if there are different opinions, a court judgment may be required.

2. How to change the insurance contract procedure.

Modification of an insurance contract refers to the modification or supplementation of the contents of an insurance contract other than the replacement of the subject matter of insurance in a statutory form after consultation between the parties during the validity period of the insurance contract. For example: increase or decrease the sum insured and premium, extend or reduce the insurance period, modify the insurance coverage, etc.

Article 21 of China's Insurance Law stipulates that during the validity period of the insurance contract, the policyholder and the insurer may change the relevant contents of the insurance contract after consultation and agreement. If the insurance contract is changed, the insurer shall make an endorsement or attach the endorsement to the original insurance policy or other insurance certificates, or the policyholder and the insurer shall enter into a written agreement on the modification.

The agreement of the insurance contract can be summarized into three aspects: the agreement of the parties, the agreement of the beneficiary and the agreement on other matters, so the change of the insurance contract can be divided into the change of the parties, the change of the beneficiary and the change of the content.

Procedure for Changing Insurance Contracts:

1. The policyholder shall inform the insurer of the change of the content of the insurance contract in a timely manner;

2. The insurer conducts a review, if it is necessary to increase the insurance premium, the policyholder shall make up the payment according to the regulations, and if the insurance premium needs to be reduced, the policyholder may request the insurer, regardless of the increase or decrease of the insurance premium or unchanged, the parties are required to reach a consensus;

3. The insurer issues an endorsement or additional terms.

Article 41 of the Insurance Law of the People's Republic of China provides that the insured or the policyholder may change the beneficiary and notify the insurer in writing. After receiving the written notice of the change of beneficiary, the insurer shall annotate or attach the endorsement to the insurance policy or other insurance certificates. The policyholder's consent to change the beneficiary is subject to the consent of the insured.

The insurance purchased for the spouse may be handled by agreement between the two parties after the divorce, and if the agreement is not reached, the people's court shall make a judgment to distribute it. Insurance purchased for the spouse during the marriage is the joint property of the husband and wife, and if the insurance is purchased for the spouse before the marriage, it is personal property, and in the event of divorce, the insurance must be divided according to the cash value of the policy.

The following property acquired by the husband and wife during the marriage relationship shall be the joint property of the husband and wife:

1. Wages, bonuses, and labor remuneration;

2. Income from production, operation and investment;

3. Income from intellectual property rights;

4. Inherited or donated property, except for property determined in the will or gift contract to belong to only one party;

5. The income obtained by one party from the investment of personal property;

6. Housing subsidies and housing provident funds actually obtained or should be obtained by both men and women;

7. The basic pension and bankruptcy resettlement compensation actually obtained or should be obtained by both men and women.

The personal property of one of the spouses includes:

1. One party's pre-marital property;

2. Compensation or compensation obtained by one party due to personal injury;

3. The property that is determined to belong to only one party in the will or gift contract;

4. Daily necessities for one party;

5. Other property that should belong to one party.

Legal basis]:

Article 1087 of the Civil Code of the People's Republic of China.

In the event of a divorce, the joint property of the husband and wife shall be disposed of by mutual agreement; If an agreement is not reached, the people's court is to make a judgment based on the specific circumstances of the property and in accordance with the principle of taking care of the rights and interests of the children, the woman, and the innocent party.

The rights and interests enjoyed by husbands or wives in the contracting and management of family land shall be protected in accordance with law.

Article 1088.

If one of the spouses bears more obligations due to raising children, taking care of the elderly, assisting the other party in work, etc., he or she has the right to request compensation from the other party at the time of divorce, and the other party shall give compensation. The specific measures shall be agreed upon by both parties; If the agreement is not reached, the people's court shall make a judgment.

Legal Analysis: If the insurance is still valid after the divorce, the beneficiary of the insurance is valid. After the divorce, if the husband and wife want to change the beneficiary of the insurance, they can also do it, and the insured and the policyholder only need to notify the insurance company in writing.

It is worth noting that both husband and wife insure each other, and if you want to surrender the policy, you need to split the cash value of the policy in half.

Legal basis: Article 41 of the Insurance Law of the People's Republic of China The insured or the policyholder may change the beneficiary and notify the insurer in writing. After receiving the written notice of the change of beneficiary, the insurer shall make an endorsement or attach an endorsement to the slag insurance policy or other insurance certificates.

The policyholder's consent to change the beneficiary is subject to the consent of the insured.