The beneficiary of Taikang Life Insurance can be changed

You can't be sloppy when you buy insurance, you can't buy it if you don't understand it clearly, there will be trouble in the future, and you can't know these contents before buying insurance:"Before buying insurance, you must first figure out these key knowledge points! 》

When the beneficiary needs to be changed, it can be changed; The following is an introduction to proper nouns in insurance.

1. The concept of policyholder, insured and beneficiary

(1) Policyholder

The policyholder is the person who has entered into an insurance contract with the insurance company and is obliged to pay the insurance premium. To put it simply, buying insurance can be compared to buying something, there are sellers and buyers, in which the insurance company is the seller, and the policyholder is the buyer.

(2) Insured

The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money. For example, Xiaobai suffered from a critical illness, and before that, Xiaohong bought a critical illness insurance for Xiaobai, and this insurance will lose money, and the insured of this critical illness insurance is Xiaobai. The policyholder can be the insured, which means that Xiaohong can buy critical illness insurance for herself and act as the insured while being the policyholder.

(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 with a beneficiary named Xiaohei, but Xiaobai unfortunately has a critical illness, and this insurance will pay compensation to Xiaohei.

II. Restrictions on Policyholders, Insureds, and Beneficiaries

Policyholder

Having an insurance interest in the insurer is a prerequisite for the policyholder to conclude an insurance contract, and in this regard, we can know from the "Insurance Law" that the policyholder can insure these people

Insured

If the insured does not have the capacity for civil conduct, he cannot buy life insurance for him.

The insured has the obligation to truthfully inform the health before applying for insurance, otherwise the policy will be affected"Is the health notice of the insurance company making it difficult for us? 》

Beneficiary

Beneficiaries are divided into legal beneficiaries and designated beneficiaries.

If the beneficiary is prescribed legally, then the legal heir will be the beneficiary, and the Inheritance Law tells us that to inherit the estate, it is necessary to follow this order:

First order: spouse, children, parents.

Second order: siblings, grandparents, maternal grandparents.

The designated beneficiary can be designated by the insured and the policyholder, and the policyholder and the insured are also entitled to the order of the beneficiary and the share of the beneficiary, and the designated beneficiary can be one or more.

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Change of Beneficiary:

1. The insured or the policyholder can change the beneficiary of the death insurance benefit.

2. The insured or policyholder should go to the counter of the insurance company with his ID card and insurance contract to handle the change of beneficiary, and fill in the written application.

4. The policyholder shall obtain the written consent of the insured to change the beneficiary of the death insurance benefit.

5. It can only take effect after being approved by the insurance company and endorsed on the policy.

The beneficiary cannot change the policyholder, but the policyholder can change the beneficiary.

According to the Insurance Law, the beneficiary of life insurance shall be designated by the insured or the policyholder, and the consent of the insured shall be obtained when the policyholder designates the beneficiary. The insurer shall make an endorsement on the insurance policy after receiving the written notice of the change of beneficiary, and the policyholder shall agree to the change of beneficiary when the insured changes the beneficiary.

It is possible to change the beneficiary of the insurance. First of all, the insurer must be notified in writing, and if there is no written notice, the insurer must still pay the insurance money to the originally designated beneficiary, and the insurer will make an endorsement of the insurance policy after receiving the notice from the person who has the right to change. It should be noted that the policyholder and the insured must sign the application form for consent.

In the case of minors, signed by their legal guardian. In addition, if there are several beneficiaries, the name of the beneficiary, ID number, order of benefit, and share of beneficiary shall be indicated when changing.

Notice for Change of Beneficiary.

1. The policyholder and the insured must sign and agree to the application, and if they are minors, their legal guardians must sign them;

2. When there are several beneficiaries, the name of the beneficiary, ID number, beneficiary order, beneficiary share, etc. must be indicated when changing, and if the beneficiary share is not determined, the beneficiary shall enjoy the beneficiary rights according to the equal share, and the sum of the beneficiary shares in the same order shall be 100%;

3. The death beneficiary shall not be changed after the death claim;

4. If the beneficiary's beneficiary share and the relationship with the insured are changed, the original identity certificate of the beneficiary is not required;

5. The beneficiary will not endanger his personal safety and will not deliberately endanger the insured in order to obtain insurance money. Persons who are addicted to drugs, gambling and have poor moral character should not be designated as beneficiaries;

6. Consider who will lose or reduce their financial needs due to their own death, such as elderly parents, young children, etc., and designate them as beneficiaries;

7. If the beneficiary is an incapacitated person, a child or a patient who cannot recognize his or her own behavior, the insurance money shall be collected and managed by the beneficiary's legal guardian. But there is a legal distinction between a guardian and a beneficiary. These factors should be taken into account by the insured when designating a beneficiary.

Legal basisArticle 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 insurance policy or other insurance certificate. The policyholder's consent to change the beneficiary is subject to the consent of the insured.

It is possible to change the beneficiary of the insurance. The policyholder can change the beneficiary of the policy, but the consent of the insured is required. To change the beneficiary, you need to apply in writing to the insurance company for the change of beneficiary, and if there is no written notice, the insurance company will also pay the insurance benefit to the original designated beneficiary.

Upon written notice of the change, the insurance company will make an endorsement on the policy. However, it should be noted that the policyholder and the insured must sign the application form to be valid. Want to know what information you need to prepare to change the beneficiary of the insurance?

Then don't miss this article:

How to designate an insurance beneficiary?

In the case that the insured is still alive, if the original designated insurance beneficiary is all deceased, but there is no change of insurance beneficiary or re-designation of insurance beneficiary, then the death insurance benefit will be treated as an inheritance and divided equally among the legal heirs, with spouse, children and parents being the first in line of succession; Siblings and grandparents are second-in-line heirs. It's not okay to buy insurance but don't understand insurance knowledge, the senior sister has sorted out a super complete insurance knowledge science for everyone, come and take a look:

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The beneficiary and the insurance claim are closely linked. After the accident, you need to report to the insurance company, fill in the claim application, prepare the claim information, etc. within the time specified by the insurance company, so that you can get compensation quickly and well. There may be some friends who are more confused about what claim information needs to prepare, the senior sister has sorted it out for everyone, and interested partners may wish to collect it:

What are the general claim information? Details determine the success or failure of a claim!

It is possible to change the beneficiary of the insurance.

If you want to change the beneficiary, you must first obtain the consent of the insured. If the insured person is a minor with a history of filial piety, the advice of the insured person must be sought.

Secondly, the insured or policyholder needs to submit a decision to the insurance company in writing.

After the insurance company receives the written notice, it is valid to endorse or affix the endorsement on the insurance policy or with the bad chain certificate.

In addition, there will be certain differences in the change rules of different insurance companies. How to change, the defense draft needs to be specifically analyzed for the insurance policy.

Want to know what information you need to prepare to change the beneficiary of the insurance? Don't miss this article: How to Change Your Insurance Beneficiary.

OK. 1. Article 52 of the Insurance Law clearly stipulates that:

The beneficiary of life insurance shall be designated by the insured or the policyholder, and the consent of the insured shall be obtained when the policyholder designates the beneficiary. The insurer shall make an endorsement on the insurance policy after receiving the written notice of the change of beneficiary, and the policyholder shall agree to the beneficiary when changing the beneficiary.

2. The beneficiary of the insurance is himself first, and then his immediate family members. It can be specified, or it can be statutory. However, it is generally not necessary to write yourself as a beneficiary, because the first beneficiary of the insurance contract is yourself, because insurance is your personal property.

If the beneficiary is the policyholder himself, the insurance compensation will be treated as the policyholder's estate and inherited by his legal heirs. The policyholder can change the beneficiary, subject to the consent of the insurer and the beneficiary.

Once the insurance contract is signed, the insured on the policy cannot be changed.

If you want to change the beneficiary of Topby, you need the consent of both the policyholder and the insured to do so.

The policyholder and the insured bring their ID cards together.

and the need to change the beneficiary's ID card. Go to the insurance company to handle it.

Extended reading: [Insurance] How to buy, which is better, raise your hand to teach you to avoid insurance"pits"

The beneficiary of the insurance can be changed, and the consent of the insured is required when the change is made, and the insurer must be notified in writing after the amendment, and the insurer will notify the beneficiary in writing after receiving the change application, and will make an endorsement on the insurance policy. It generally takes 5 to 10 working days to change the beneficiary, and the specific time can be consulted with the insurance company.

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Note that the change of insurance beneficiary must be cautious, especially for some dividend-paying insurance, the later income is still very good, if the consent of the original insured is not obtained, the later stage of laughter may cause unnecessary trouble. This is something that everyone needs to pay attention to.

In addition, the insurance company has specific requirements and change procedures for the change of beneficiary, and it is best to consult the insurance company before the change, and then change the beneficiary, whether there is any loss after the change, whether the scope of coverage has changed, etc., these are all things that need to be clarified.

In fact, the change of insurance beneficiary, in many cases, is caused by improper insurance, for example, many parents give priority to their children when buying insurance, which is actually the wrong approach; When applying for insurance, the adults should be insured first, and the family's income can only be guaranteed if the adults are guaranteed.

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OK. The Insurance Law stipulates that the beneficiary of life insurance shall be designated by the insured or the policyholder, and the consent of the insured shall be obtained when the policyholder designates the beneficiary. The insured or the policyholder may change the beneficiary and notify the insurer in writing, and the insurer shall make an endorsement on the insurance policy after receiving the written notice of the change of beneficiary, and the insured shall be willing to change the beneficiary.

If the beneficiary is the policyholder himself, the insurance compensation is treated as the policyholder's estate and inherited by his legal heirs. The policyholder can change the beneficiary of the lease, subject to the consent of the insurer and the beneficiary.

1) The application for change of business and the power of attorney of the policyholder shall be signed by the original policyholder and the new policyholder at the same time.

2) The change of payment method must be filled in at the same time, if you can't ** the passbook of the new policyholder, you should fill in the current payment with the Burning World Gold.

3) If the original insured dies, the death certificate, funeral certificate, cancellation of household registration, and snipping ID card must be disposed of by all the statutory and designated heirs, and the "Declaration" of the policyholder's death must be signed.

4) If the policyholder is exempted from liability for death or disability in the family insurance policy or insurance defense liability, the policyholder cannot be changed.

5) If the parents are divorced, one of the legal guardians of the children can be insured as the policyholder.

The beneficiary of the insurance can be changed. However, if you fill in the information incorrectly, you may not get the compensation when you find the insurance company for compensation! 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 file a notice in the insurance policy.

or other endorsements on the certificate of insurance or with an endorsement. When changing the beneficiary, the policyholder must agree with the insured. 1.Who can change the beneficiary? 1.Ensure our insurance laws.

It is strictly stipulated that only the insured or the policyholder can apply for a change of beneficiary. Moreover, if the policyholder changes the beneficiary, the consent of the policyholder is required. 2.

Ensure that since the insured person is the beneficiary of the insurance contract, if the beneficiary is changed, the rights of others are not violated, but the insurance premium is paid by the other person. Therefore, when the insured proposes to the insurance company to change the beneficiary, the beneficiary can make the change. Although it can be changed, there are still some precautions in the process of change, otherwise you may not get compensation.

Two. Precautions for Change of Beneficiary (1) The policyholder and the insured must sign the application form, or their legal guardian if they are minors. (2) The beneficiary will not endanger the personal safety of the insured, and will not deliberately endanger the insured in order to obtain the insurance money.

Otherwise, there will be suspicion of insurance fraud, not only will you not be able to get the money, but you will also be punished by law. (3) When designating a beneficiary, the expression should be clear, and vague language such as "wife" and "children" should not be used. Avoid insurance disputes caused by not knowing who the beneficiary is at the time of payout.

If no beneficiary is designated, you may face future indemnity as estate, inheritance tax.

Possibility of expropriation and debt settlement. Beneficiaries know much more than that. Whether it's designating a beneficiary or changing a beneficiary is a science.