Under what circumstances will life insurance be paid and how to buy it?

If it is a suicide, the life insurance of any insurance company will not pay for it. As long as you buy life insurance and meet the relevant regulations, you will be compensated without an age limit.

If you want to provide some protection for your family by buying insurance, I don't think you can do it, because any insurance specifically stipulates that personal injury does not include suicide, as long as it violates the law, he will not insure.

In this case, it will not be compensated, and the insurance will be paid by accident insurance, if you are not an accident insurance, you will not be compensated if it is not an accident.

Life insurance will accompany you for some reasons, resulting in your capital, being deducted or the items you buy, he is deducting money every year.

I don't think people will pay you if you commit suicide, you are in an accident or you are sick.

Life insurance is paid when you die. Life insurance itself is based on the life of the insured as the subject matter of insurance, so it is natural that the death insurance benefit will be paid according to the provisions of the contract after the death of the insured.

Life insurance mainly covers the following aspects:

1. Term life;

2. Whole life, insurance is a kind of irregular death insurance, which is simply called "whole life insurance."

3. Survival insurance means that the insured must survive until the expiration of the insurance period specified in the policy before he can receive the insurance money;

4. Life and death insurance;

5. Endowment insurance.

It is a combination of survival insurance and death insurance, which is a special form of life and death insurance;

6. Catastrophe protection, catastrophe has become a major hidden danger to personal safety, and disaster protection has also become a new focus of life insurance.

Life insurance plays a great role in resisting debt risk, so it is very necessary to buy it. For example, a user with a housing loan or car loan has purchased a term life insurance.

Life insurance, on the other hand, is based on death or total disability.

In general, yes. Life insurance is mainly to protect against death, and when the insured dies, the insurance company pays a sum of insurance money to the beneficiary. However, most of the life insurance policies on the market also provide total disability protection, and when the insured person is completely disabled, he can also receive a compensation.

Life insurance, which is mainly divided into term life insurance and whole life insurance.

Term life insurance is guaranteed for one year or until one year old, when the insured dies and becomes completely disabled during the protection period, the insurance benefits will be paid if the conditions are met, and the contract will be terminated if there is no insurance at the end of the period. Whole life insurance, on the other hand, provides a lifetime of protection, regardless of whether the insured dies at an early age or dies naturally in later years, you can receive a lump sum of compensation. Whole life insurance premiums are higher, but there is a high degree of certainty of payouts.

Under normal circumstances, after the death or total disability of the insured, as long as the claim conditions are met, the claim can be made blindly. If the insurance company does not make a claim, it may be that the claim information is incomplete. If the claim information is incomplete, then the insurance company will ask you to supplement the information and verify it after it is complete.

Life insurance generally requires the applicant's ID card, insurance contract, death certificate, total disability certificate and other relevant certificates of insurance accidents. If you want to know the claim information of other insurances, you can read this article: What are the general claim materials?

Details determine the success or failure of a claim!

If the claim information is complete and the insurance company still does not make the claim, then there may be an exemption clause involved. The common exemption clauses include suicide within 2 years, murder of the insured by the insured, drunk driving of the insured, etc., depending on the terms of the insurance product. If it involves an exclusion clause, the insurance company will not pay the claim.

Therefore, the fewer exemptions, the better. For the exclusion clause, if you want to know more about it, please see this article: What is the exclusion clause of insurance and how to look at it?

If you don't understand, you'll suffer a big loss!

Life insurance is generally paid upon death, because life insurance is an insurance with the life and death of the insured as the subject of insurance, and its protection is mainly a false match for death protection.

However, it should be noted that if the insurance is due to non-accidental injury during the waiting period, or the insurance situation is the same as the situation agreed on the exemption clause, the insurance company can also not make a claim.

So what is the difference between common term life insurance and whole life insurance? If you are interested, you can see: What is the difference between term life insurance and whole life insurance? Senior sister will tell you in one article!

1. Report the accident. The insured has an insured accident and the insurer is required to bear the insurance liability in accordance with the provisions of the insurance contract. The insurance company should be notified immediately.

2. Fill in the application. The insured or beneficiary fills out the "Claim Form". The application form must be filled out truthfully to avoid prolonging the investigation of the case.

3. Issue a certificate. Submit the insurance policy, claim application, latest payment voucher and relevant certificates to the insurance company for verification. In case of death or disability, a death certificate and disability appraisal certificate are required; For outpatient clinics, outpatient prescriptions and medical records are required; In case of traffic accidents, the accident ruling or certificate issued by the traffic management department shall be provided.

4. Investigation and verification. After receiving the above-mentioned documents, the insurance company shall investigate and verify whether it is an insurance liability.

5. Receive insurance benefits. After the insurance company agrees to verify the claim, the insured or beneficiary will be notified to receive the insurance money.

Life insurance claims are statute of limitations of five years and are still entitled to claim from the insurer for five years from the date on which they knew or should have known about the occurrence of the insured event. Life insurance protects the responsibility to the family, and after the accident, you will not want to be unable to get the claim payment smoothly because of the wrong claim steps, so you must submit the claim materials within the time specified in the contract to maximize the role of life insurance!

Life insurance is generally responsible for protection against death and total disability. If there is a life insurance claim, you can notify your insurance broker or ** person as soon as possible, explain the situation, and they will help you go to the insurance company to report the case and guide the claim, you only need to collect the information according to their guidance and hand it to them (if it is a self-purchased insurance, you can directly notify the insurance company).

The claim information required for general life insurance is:

1.The insured's ID card, certificate of closure of household registration, death certificate, cremation certificate, insurance policy, accidental death certificate (in case of accidental death), autopsy certificate, rescue record, beneficiary relationship certificate, beneficiary identity certificate and account number.

Life insurance is not paid when you die.

Whether the death can be compensated depends on the exclusion clause of the life insurance purchased, and the claim is different if the exemption clause is different.

Although life insurance itself is life insurance, it is a life insurance that takes human life as the subject of insurance and the death of the insured as the insured accident. However, you also need to note that life insurance also has some exclusions, and the exclusions mainly include the following:

1.Suicide or self-harm within two years of the effective or reinstated date of the insurance contract;

2.Disability or death caused by the intentional act of the policyholder, the insured or the beneficiary;

3.Disability or death caused by the insured's drug abuse, alcoholism, crowd brawl and criminal acts;

4.concealment or deception of the information at the time of application;

5.AIDS, sexually transmitted diseases, congenital or hereditary diseases;

6.Maiming or death caused by war, military action, rebellion, strike, riot, nuclear radiation, etc.

In the event of death caused by these six conditions, life insurance will generally not pay out. For death caused by illness or accident, or natural death, life insurance can pay out.

There is a difference between this, some companies can compensate, and some cannot, so you should pay attention to the choice of insurance.

Is it still necessary to buy this kind of insurance? What's the use of buying it?

It is necessary! We have to configure life insurance for ourselves, for the person who dressed us when we were young, for the person who brought us into this world for ourselves, and for the person who wants to be with us for a lifetime.

In addition, life insurance is also a good asset, and it has the following functions.

1.Designated beneficiary.

Truly leave your love to your lover, and you can specify the proportion of income, so as to avoid the uneven distribution that may occur when inheriting the inheritance, and relatives become enemies.

2.Debt segregation.

Article 73 of the Contract Law If the debtor neglects to exercise its expiration option and causes harm to the creditor, the creditor may request the people's court to subrogate the debtor's creditor's rights in its own name, except that the creditor's rights are exclusive to the debtor.

According to the interpretation of the Contract Law, if the interpretation of the issue (1) Article 12 The creditor's rights fixed in the first paragraph of Article 73 of the Contract Law that are exclusive to the debtor refer to the right to claim payment based on the relationship of dependency, maintenance and inheritance, and the right to claim labor remuneration, retirement, pension, pension, settlement fee, life insurance, personal injury compensation, etc.

Article 23 of the Insurance Law No unit or individual may illegally interfere with the insurer's performance of the obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.

3.Financing Instruments.

Life insurance is a valuable asset, which can also be realized in the form of multiple loans, including cash value loans and policy loans, among which the current price loan has the characteristics of fast processing, simple, low loan interest rate, and the loan ratio is about 80%-90% of the current price; The policy loan has the characteristics of high loan interest rate, and the payment amount can reach 10-20 times of the premium.

If you think it's unreasonable for the insurance company to deny a claim, you can negotiate it by taking the following steps:

Gather evidence, such as medical reports, medical records, etc., to prove that your disease is not congenital.

Contact the insurance company: Communicate with the insurance company through ** return or in writing to request a reconsideration of your claim.

Complain to the insurance regulator: If negotiation with the insurance company still does not resolve the issue of Rajihong, you can file a complaint with your local insurance regulator.

Hope the above advice is helpful to you. Please note that insurance laws and regulations vary from country to country, so you may need to seek professional legal advice.

Make a written request to the insurance company: Elaborate on your situation and provide evidence that your condition is not a congenital condition.

Negotiate a solution: Try to negotiate with the insurance company to resolve the issue, and if that is unsuccessful, consider hiring a lawyer to help you resolve the issue.

If you still can't solve the problem, you can file a complaint with the insurance regulator for help.

Please note that the insurer's decision is usually based on the terms and conditions of the insurance contract and evidence related to your condition. Therefore, a well-prepared securities base is the key to resolving insurance disputes.

Life insurance companies generally come to the group to say that they will not make a claim if the following situations occur:

1. Life insurance has a waiting period of 90-180 days, and the insurance Hengchang Company will not compensate for the death of illness rather than accident during the waiting period;

2. The content of the exemption clause in the life insurance product is not compensated, such as death caused by war, drug abuse, drunk driving, etc., as well as death or empty death caused by other circumstances in the exemption clause;

2. In order to prevent moral hazard and intentional crime, the insurance company will not compensate for the death of the insured who commits suicide within two years.

Life insurance is a type of insurance that takes the insured's survival or thinking as the condition of payment, and the insurance company needs to settle the claim quietly after buying life insurance, that is, natural death. However, there are many types of life insurance, depending on how the insurance liability clause is stipulated, if it is an accident life insurance, only to protect the death of the Zen, then, the death of old age or disease will not be compensated.

In addition, if the insurance is a term life insurance, after the coverage period, the insurance contract expires, and the insured dies of old age, the insurance company will not compensate.