Hello, the beneficiary is not written on the insurance policy I bought, what is the impact on me

The beneficiary is statutory, and in the event of an insured event, the insurance money will be treated as the insured's estate, and if there are more heirs, the claim procedure will be more cumbersome. It is advisable to designate a beneficiary to avoid trouble. In the future, according to the change of the situation, the beneficiary can also be changed to realize the wish of insurance.

Xueba talks about insurance, focusing on insurance product evaluation! Comparison table of the latest 136 popular critical illness insurances

A one-time gift to you.

"It's true that the Internet says that Jin You's life is not good? 》

You'll understand when you read it.

Then I will give you an analysis of the advantages and disadvantages of Jin You's life:

Advantages: 1) The insured amount can increase with dividends to a certain extent, and can resist a small part of inflation;

2) The company's brand awareness is high, and there are many branches and offline people, so that the service outlets of the Pacific are easy to find, and it will be more convenient to apply for insurance claims.

Disadvantages: Honestly, there are quite a few disadvantages.

Jin You Life is not satisfactory in terms of dividends and premiums, and more importantly, not only that, but in terms of illness protection, Jin You Life is also very average! There is too much content, and I have written all the reasons in this article, you can take a look"It's true that the Internet says that Jin You's life is not good? 》。

To sum up, I have never recommended a participating critical illness insurance like Jinyou Life, after all, protection and financial management still need to be separated in order to maximize returns.

Hope, thank you!

If the beneficiary is not written at the time of insurance, his legal heirs will be the beneficiary. If the insurance company refuses to compensate on the grounds that it has not designated a beneficiary, it may file a lawsuit with the court to demand compensation.

According to Article 42 of the Insurance Law of the People's Republic of China, after the death of the insured, in any of the following circumstances, the insurance money shall be regarded as the inheritance of the insured, and the insurer shall perform the obligation to pay the insurance money in accordance with the provisions of the Inheritance Law of the People's Republic of China:

1) There is no beneficiary designated, or the beneficiary designation is unclear and cannot be determined;

2) The beneficiary dies before the insured and there are no other beneficiaries;

3) The beneficiary loses or gives up the beneficiary right in accordance with law, and there is no other beneficiary.

If the beneficiary and the insured die in the same event and the order of death cannot be determined, the beneficiary is presumed to have died first.

Summary. Hello, it doesn't matter if the beneficiary of the insurance is not clearly written, if the beneficiary is not clearly written, but the beneficiary's identity document will be provided to the insurance company.

Hello, it doesn't matter if the beneficiary of the insurance is not clearly written, if the beneficiary is the designated beneficiary, it is not written clearly, but the beneficiary's ID will be provided to the insurance company.

If there is no designated beneficiary, then the legal beneficiary does not need to provide the ID card information of the legal beneficiary, and it is only necessary to provide it when making a claim.

At the same time, the beneficiary of the policy can be changed at any time.

Hello, are you there?

Ok thanks.

You're welcome. It is recommended that the policy must be named as a beneficiary.

As a financial instrument, the designated beneficiary of insurance can reasonably avoid housing and taxes, and the insurance money obtained by the designated beneficiary will not be divided.

Summary. Hello dear! Now for you to answer <>

Hello, my mother gave me life insurance, the beneficiary is me, which means that I have a life safety problem, the insurance company will not pay me money, and only when the policyholder and the insured are not the same person when buying insurance, the policyholder can be the beneficiary.

Hello, my mother took out life insurance for me, and the beneficiary is me, which means that I have a life safety problem, will the insurance company pay me money?

Hello, kiss the beard! Now for you to answer <>

Hello, my mother gave me life insurance, and I was teased and stopped by me, which means that I have a life safety problem, and the insurance company will not pay me money.

Relevant legal basis: Article 2 of the Insurance Law The term "insurance" as used in this Law refers to the commercial insurance behavior in which the insured pays insurance premiums to the insurer in accordance with the contract, and the insurer bears the liability for compensating for the property losses caused by the occurrence of the accident that may occur as agreed in the contract, or assumes the responsibility for paying the insurance money when the insured dies, is disabled, is sick, or reaches the age and time limit agreed in the contract. Article 10 The insurance contract is an agreement between the policyholder and the insurer to agree on the relationship of insurance rights and obligations.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium in accordance with the contract. An insurer refers to an insurance company that enters into an insurance contract with the policyholder and bears the responsibility of compensation or payment of insurance money in accordance with the contract.

The beneficiary can be one or more people, and the policyholder can be included.

Xueba talks about insurance, focusing on insurance product evaluation! Every time, many people ask about critical illness insurance, click on the original article to view the comprehensive comparison table of critical illness insurance:"Comparison Table between Jinyou Life and National Popular Critical Illness Insurance".

The policyholder and beneficiary of Pacific Jinyou Life Insurance can be the same person, and there are some things that must be understood clearly before purchasing this product, otherwise you may buy insurance that is not suitable for you.

Kim Woo Life is described as not only protecting against illness but also making money, look at its protection map:

After analysis, it can be found that there is a reason for being complained about, and it still has many shortcomings, such as the following shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 types of minor illnesses and pays 3 times, the amount of compensation for minor illnesses is only 20% of the basic sum assured. Many excellent and even ordinary critical illness insurance companies on the market have started with a payout ratio of 30%.

2. Lack of protection for moderate illness

There is no protection for moderate illness, but in recent years, many products in the insurance industry market have added a column of moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

The dividends of Jinyou Life are: annual dividend and final bonus.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured will not receive the dividends directly, but will accumulate them in the policy, which will increase the sum assured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. But when it comes to claiming bonuses, only one of these three can be claimed.

4. Premiums are expensive

It can be seen from ** that a 30-year-old man's insurance policy is guaranteed for life, with an insurance amount of 500,000 yuan paid for 20 years, and the annual premium is 19,650 yuan, close to 20,000 a year! It can be said that it is very expensive.

Summary: From the overall protection of Jinyou Life, Jinyou Life is a cost-effective insurance, **expensive, but the protection is not comprehensive, with such a budget, there are many better products, the list is presented for reference:"Ten critical illness insurances that are much more cost-effective than Jinyou Life".

"It's true that the Internet says that Jin You's life is not good? 》, a must-see before buying.

Then I will give you an analysis of the advantages and disadvantages of Jin You's life:

In terms of advantages: 1) dividends will increase the sum insured to a certain extent, which can play a role in curbing inflation a little bit;

1) As a veteran company, Pacific Insurance has a loud brand, many employees, and service efficiency has been in place.

Disadvantages: Honestly, there are a lot of disadvantages.

In the end, I have always discouraged dividend-paying critical illness insurance, even if Jinyou Life is famous, it is difficult to escape the label of low cost performance, so when configuring insurance, separating protection and financial management can maximize returns.

Brother Bao said insurance, focusing on insurance product evaluation! Many people ask about critical illness insurance, and I have compiled the most comprehensive critical illness insurance comparison table: a list of the top 10 insurance companies that are "worth buying" of popular critical illness insurance!

Golden Life only the Insured Waiver No Insured Waiver, that is to say, only if the Insured meets the waiver conditions, the policyholder can not continue to pay the premium, and the policy will continue to be valid.

This Jinyou life is said to be a collection of security and money, and the content of the guarantee is presented:

According to the above analysis, we can know that there is a reason for being complained about, and it still has many shortcomings, such as these shortcomings:

1. The proportion of compensation for mild illness is low

Although the product covers 50 kinds of mild illnesses and pays 3 times, only 20% of the compensation can be given for mild illnesses. It is lower than the ordinary 30% level of critical illness insurance in the market.

2. Lack of protection for moderate illness

Without the protection of moderate illness, many critical illness insurance products can include moderate illness protection, and compared with critical illness, moderate illness and mild illness are often the precursors of critical illness.

3. The dividend protection is slightly poor

There are two types of dividends in Jinyou's life: annual dividends and terminal bonuses.

Annual Dividend: As the name suggests, it refers to the dividend that can be received every year. The insured cannot receive the dividends directly, but accumulate them on the policy, which increases the sum insured for critical illness.

Terminal bonus: paid upon termination of the contract, divided into care payment and special bonus. However, these bonuses can only cover one of them at most.

4. Premiums are expensive

Judging from the above figure, it is not difficult to find that if you buy a policy for a 30-year-old man with 20 years of payment, 500,000 sum insured, and lifelong insurance, you will have to pay 19,650 yuan a year, which is almost 20,000 a year! It can be said that it is very expensive.

Summary: In general, the cost performance of this product is slightly lower, but it is expensive but does not have a very comprehensive guarantee, as long as the budget is sufficient, I am not afraid that there is no better choice, you can refer to it: