Who is the default beneficiary of China Merchants Cigna Gold Student?

In the absence of a clear beneficiary, the default beneficiary of China Merchants Cigna Gold Insurance (Dividend) 2015 is the legal heir. The beneficiary is freely designated by the policyholder or the insured.

Before starting, you can take a look at this article prepared by the senior sister to understand what annuity insurance is.

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The beneficiary of the death benefit is generally designated by the insured or the policyholder at the time of application, which can be one or more people. If multiple beneficiaries are designated, the order and share of the proceeds need to be determined, otherwise, each beneficiary has the right to benefit in equal shares.

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If there is no designated beneficiary, the insurance company will fulfill its obligation to pay insurance benefits in accordance with the Inheritance Law of the People's Republic of China after the death of the insured.

As for the beneficiary of the survival insurance and pension insurance benefits, he is the insured himself unless there are special circumstances. As long as he lives to the period specified in the contract, he will receive both types of insurance benefits.

If you have any other questions about the designation of beneficiaries, you may wish to open the following for reference.

link] {How to designate an insurance beneficiary.}

A beneficiary refers to a person designated by the insured or the policyholder to have the right to claim the insurance money, and one or more people can be designated as the beneficiary of the death insurance benefit. If there are more than one beneficiary of the death insurance benefit, the order of benefits and the share of benefits can be determined; If no beneficiary share is determined, each beneficiary shall enjoy the right to benefit according to the equal share. The beneficiary of the insurance can be changed during the insurance period, but only with the consent of the insured.

Unless otherwise agreed, the beneficiary of the survival insurance and pension insurance is the insured himself.

The policies of each company are different, so the regulations are different.

Definition: Jinsheng Accompanied Annuity Insurance is an endowment insurance product with old-age security function of China Merchants Cigna.

5% of the advantage survival insurance is received every year.

During the period from the third policy anniversary of the self-contract to the first policy anniversary after the insured reaches the age of 59, if the insured is still alive at 24 hours of the policy anniversary, the insurance unit will pay the survival benefit at the rate of 5% of the basic sum insured of the main contract, up to a total of 280% for a maximum of 56 years

30% of the pension insurance is doubled.

Starting from the first policy anniversary after the insured person reaches the age of 60, the annual benefit amount will be increased by 6 times to 30% until the insured reaches old age.

80% turnable.

In the event that there is an accumulated cash value in this contract, the insured may apply for a loan from the insurance unit. The cumulative borrowing can be up to 80% of the cash value of the contract, so as to achieve capital turnover and money recycling.

100% full return.

If the insured person dies during the validity period of the policy, the insurance company will refund the full amount of the premium paid under the main contract.

Early pick-up time.

You can receive money in the third year, and you will receive it every year until you are old.

Fight against inflation.

This product has a cash dividend function, which preserves and increases its value and effectively resists inflation.

Waiver of premiums. In the unfortunate event of death or total disability, the insurance unit will waive the remaining premium and the coverage will continue.

Dividends are non-guaranteed. The insurance company will determine the dividend distribution method based on the actual operation of the participating insurance business in the previous fiscal year. If the insurance company determines that there is a dividend distribution in the insurance contract, the dividend will be distributed to the policyholder on the policy anniversary date and notified to the policyholder in the form of a dividend notice.

China Merchants Cigna's gold and life are accompanied by universal dividends, mainly in the death difference and interest rate spread. Among them, the interest rate spread refers to the difference between the actual investment return and the expected investment return; Death difference is the difference between the expected death benefit and the actual death benefit.

In addition, the insurance company provides an interest-bearing dividend payment method, that is, the insurance company retains the dividends and accumulates interest at the cumulative interest rate announced by the insurance company on the policy anniversary of each year until the contract is terminated. The policyholder can apply to receive all or part of the distributed dividends and their interest during the period of the main contract insurance.

Jinsheng Companion Dividend Type is a pension financial management insurance launched by China Merchants Cigna Insurance Company, in which the insurance company bears the following insurance liabilities during the period of the main contract insurance

1. Survival insurance benefits.

During the period from the third policy anniversary4 of the self-contract to the first policy anniversary after the insured reaches the age of 59, if the insured is still alive at 24 o'clock on the policy anniversary, the insurance company will pay the survival insurance benefit at the rate of 5% of the basic sum insured of the main contract.

2. Pension insurance.

From the first policy anniversary after the insured reaches the age of 60, if the insured is still alive at 24 o'clock on the policy anniversary, the insurance company will pay the pension insurance at the rate of 30% of the basic insurance amount of the main contract.

3. Death benefit.

In the event of the death of the insured, the insurance company will pay the death benefit to the beneficiary according to the total premium paid by the policyholder in the main contract, and the main contract shall be terminated from the time of the death of the insured.

To sum up, the participating insurance liability of Jinsheng is mainly responsible for the three aspects of survival insurance, pension insurance and death insurance.

China Merchants Cigna Term Annuity Insurance is an insurance product favored by consumers, but insurance experts remind everyone that when applying for insurance, you need to pay attention to the rules for filling in the beneficiary, otherwise the accident will easily cause some family conflicts and debt disputes with one click. The so-called beneficiary refers to the person designated by the insured or the policyholder in the insurance contract who has the right to claim the insurance money. Let's introduce it to you.

China Merchants Cigna Term Annuity Insurance Beneficiary Filling Rules

It is understood that the coverage of China Merchants Cigna Term Annuity Insurance includes: death insurance, survival insurance and maturity insurance. The beneficiaries designated by different benefits are different, so let's find out together.

1. The beneficiary of the death insurance benefit.

The policyholder can designate one or more people as the beneficiaries of the death benefit. When there are more than one beneficiary of the death insurance benefit, the order of benefits and the share of benefits can be determined; If no beneficiary share is determined, each beneficiary shall enjoy the right to benefit according to the equal share.

If the insured is a person with no or limited capacity for civil conduct, the beneficiary may be designated by his guardian. The insured person may change the beneficiary of the death benefit and promptly notify the insurance company in writing or in other ways acceptable to the insurance company. After receiving the notice of the change of beneficiary and approving it, the insurance company will endorse the insurance policy or other certificate of insurance, or send the endorsement.

The application takes effect from 24 o'clock on the effective date of the change indicated on the endorsement. The policyholder must obtain the consent of the insured when designating and changing the beneficiary of the death benefit. The insurance company is not responsible for any legal disputes arising from the change of beneficiary of the death benefit.

After the death of the insured, in any of the following circumstances, the insurance money shall be regarded as the insured's estate, and the insurance company 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.No beneficiary has been designated, or the beneficiary designation is unclear and cannot be determined;

2.The beneficiary dies before the insured and there is no other beneficiary;

3.The beneficiary loses or gives up the right to benefit 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. If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally attempts to kill the insured, the beneficiary loses the right to benefit.

2. Beneficiaries of survival insurance benefits and maturity insurance benefits.

Unless otherwise agreed, the beneficiary of the survival insurance and maturity insurance benefits is the insured himself.

It should be reminded that in order to avoid unnecessary disputes, it is best to write down the name of the beneficiary and the amount of the distributed share when filling in the beneficiary.