Can I change the beneficiary with life insurance?

In a life insurance contract, the beneficiary can be changed.

The beneficiary is appointed by the insured or with the consent of the insured, so its change depends mainly on the will of the insured.

The insured or policyholder can change the beneficiary at any time without the consent of the insurer. The change of beneficiary by the policyholder is subject to the consent of the insured.

For the change of beneficiary, the insurer shall be notified in writing, and the insurer shall make an endorsement on the insurance policy.

According to Article 41 of the Insurance Law, 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.

There are many complex contents of insurance, and the first thing to know is the policyholder, the insured and the beneficiary. Let's talk about each of them

1. The concept of policyholder, insured and beneficiary

(1) Policyholder

The policyholder is the person who enters into an insurance contract with the insurer and then has to pay all the insurance premiums. A simple analogy, buying insurance is also buying something, there are sellers and buyers, it is obvious that the seller is the insurance company, and the buyer is the policyholder.

(2) Insured

The insured person is a person who is protected by the insurance contract and can claim the insurance money. For example, Xiaobai suffered from a critical illness, before this Xiaohong bought a critical illness insurance for Xiaobai, and this insurance will lose money, here, the insured is Xiaobai. The policyholder can be the insured, which means that he can buy insurance for himself, and the policyholder and the insured are the same person.

(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, then the policy will lose money to Xiaohei.

II. Restrictions on Policyholders, Insureds, and Beneficiaries

Policyholder

Article 31 of the Insurance Law provides in detail that the policyholder can insure these persons with insurance interests

Insured

The insured must have the capacity for civil conduct before he can purchase life insurance.

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

Beneficiary

Beneficiaries are divided into legal beneficiaries and designated beneficiaries.

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

First order: spouse, children, parents.

Second order: siblings, grandparents, maternal grandparents.

The policyholder and the insured can designate the beneficiary, and the policyholder and the insured also have the right to designate the order of benefits and the share of benefits, and the designated beneficiaries can be one or more. Hope!

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 make an endorsement on the insurance policy or other insurance certificate or attach an endorsement. When changing the beneficiary, the policyholder must agree with the insured. 1.

Who can change the beneficiary? 1.Ensure that China's insurance law strictly stipulates 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, there may be the possibility of future indemnities as an estate, estate tax collection and debt settlement.

Beneficiaries know much more than that. Whether it's designating a beneficiary or changing a beneficiary is a science.

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.

1. Life insurance can change the beneficiary.

2. Generally, when changing the beneficiary, the policyholder only needs to obtain the consent of the insured. If the insured is a minor, the consent of his legal rental guardian is required before he can apply to the insurance company for change. Without the consent of the insured or the legal guardian, it is not possible to change the beneficiary of the life insurance.

3. At present, the policyholder needs to notify the insurance company in writing after obtaining the consent of the insured, and the insurance company will make an endorsement on the insurance policy after receiving the notice from the person with the right to change, and the beneficiary of the change will become the ultimate beneficiary of the insurance after the endorsement is successful. If no written notice is given, the insurance company will pay the benefits to the originally named beneficiary.

4. Materials to be prepared when changing the beneficiary of life insurance: Application for Preservation Operation, original insurance contract, original identity certificate of the insured, original identity certificate of the policyholder, original identity certificate of the beneficiary after the change, etc.

In fact, the business of changing the beneficiary of life insurance can be operated by the insurance staff who help you handle it, and if you don't understand, you can also consult the staff, hoping to understand clearly and then select the beneficiary.

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.

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Hello! The beneficiary in the insurance can be changed by destruction. However, it is subject to the consent of the insured.

And it will only take effect after going through the change procedures with the insurance company. If there is no written insurance beneficiary bridge sent by the person. If the insured is invited by God to go to the café.

The insurance company's payment will be the same as if it were an inheritance. It will be inherited by the descendants of the insured.

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