I bought an insurance policy at Cheonan Insurance, and I want to change the beneficiary.

Buying insurance is not a trivial matter, it is difficult to buy it if you don't understand it well, and it is difficult to buy it that suits you, this article needs to be read before buying insurance:"Before buying insurance, you must first figure out these key knowledge points! 》

The beneficiary can be changed; 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.

Among the various concepts of insurance, the first thing to know is the policyholder, the insured and the beneficiary. Let's break it down:

1. The concept of policyholder, insured and beneficiary

(1) Policyholder

The policyholder is the one who concludes an insurance contract with the insurer and then has to pay all the insurance premiums. It can be said that buying insurance is the same as buying something, some people buy and some people sell, and it is obvious that the seller is the insurance company and the buyer is the policyholder.

(2) Insured

The person who has the right to claim the insurance money, and whose property or person is protected by the insurance contract is the insured. For example, Xiaohong buys a critical illness insurance for Xiaobai, and if Xiaobai unfortunately gets a critical illness, someone will get a claim, and the insured of this critical illness insurance is Xiaobai. The policyholder can be the insured, which means that Xiaohong can be both the policyholder and the insured, and buy critical illness insurance for herself.

(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, Xiaobai suffered from a critical illness, and before that, Xiaohong bought a critical illness insurance for Xiaobai, and Xiaohei was the beneficiary, and this insurance had to pay money to Xiaohei.

II. Restrictions on Policyholders, Insureds, and Beneficiaries

Policyholder

An insurance contract can only be concluded if the policyholder has an insurance interest in the insured, and in this regard, it can be seen from the Insurance Law that the policyholder can insure the following people:

Insured

The insured's capacity for civil conduct is a prerequisite for him to purchase life insurance.

The insured has the obligation to make a truthful health notice before applying for insurance, otherwise the policy claim may not go well, and I want to know how to see the health notice::"Is the health notice of the insurance company making it difficult for us? 》

Beneficiary

Beneficiaries are divided into legal beneficiaries and designated beneficiaries.

The legal meaning of the beneficiary is that the legal heir is the beneficiary, and it can be known from the "Inheritance Law" that this order is the order of inheritance

First order: spouse, children, parents.

Second order: siblings, grandparents, maternal grandparents.

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

With the consent of both the policyholder and the insured, bring the information of the policyholder, the insured and the beneficiary, and the insurance contract to the counter of the insurance company to go through the procedures for changing the policy information.

You can bring your insurance policy and ID card to the Tianan Service Department and you can apply for it directly.

The policyholder and the insured agree to go to the branch to go through the change procedures.

With the consent of the insured, bring the original accident insurance policy and the original ID card of the insured, and go to the insurance company's counter to handle it.

Bring the accident insurance policy and the original ID card, and go to the insurance company's counter to handle it.

It is sufficient to obtain the consent of the insured and notify the insurance company. If the insured is you, you can notify the insurance company directly.

What is the meaning of the contract can not be changed, you submitted the information of the change of the beneficiary will be changed after it takes effect, if there is no original contract but you have submitted the endorsement, so the change of the beneficiary contract is valid.

Only the insured has the right to amend the insurance contract. You and your husband go through the procedures for changing the beneficiary.

Not the insured, right? The beneficiary needs to be changed by the policyholder.

No, the beneficiary change should be made before the accident, and it cannot be changed after the accident. According to the provisions of the National Insurance Law, the insured or the policyholder can change the beneficiary, but the insurance company must be notified in writing, the policyholder needs the consent of the insured to modify and change the insurance beneficiary, and the insurance company shall make an endorsement or attach an endorsement on the policy or other insurance certificate after receiving the written notice of the change of beneficiary, and the policyholder shall notify the insured in writing before the insured event when modifying the beneficiary, and the insurer must clearly register the change on the insurance policy or other documents. Otherwise, even if the beneficiary is changed, the changed insurance beneficiary will not get the insurance money, if there is no written notice, the insurance company will still pay the insurance money to the original designated beneficiary, after receiving the change notice, the insurance company will make an endorsement on the insurance policy, the policyholder and the insured must sign the application form to agree, if it is a minor, it should be signed by the legal guardian, if the beneficiary is more than one person, the name of the change, the identity number, the order of benefit, the proportion of benefit, etc.

The beneficiary can change it, but the expense reimbursement and disability claim are paid to the insured, and only the death benefit is paid to the beneficiary.

There has been an accident, you want to change it now, is it a little late, this insurance company does not support it, and you should not have an accident before you can discuss the change.

The policyholder must obtain the written consent of the insured when designating and changing the beneficiary of the death benefit. The beneficiary of the disability insurance and hospitalization medical insurance benefits is the insured person, and the insurance company will not accept other designations or changes.

A beneficiary is the recipient of the insurance benefits. Generally speaking, the beneficiary mainly appears in the life insurance contract, especially for the insurance with the death of the insured as the condition for the payment of the insurance money, the policyholder or the insured needs to designate the beneficiary of the insurance money at the time of application. In the practice of insurance companies, if the beneficiary is not specified at the time of application, once the death of the insured occurs, the legal heirs of the insured are the beneficiaries by default.

The insured or the policyholder may designate one or more persons as the beneficiary of the death insurance benefit, and when there are several beneficiaries, the order of benefits and the share of benefits shall be determined, and if the share is not determined, each beneficiary shall enjoy the right to benefit according to the equal share. When the insured or the policyholder changes the beneficiary of the death insurance benefit, the insured shall notify the insurance company in writing, and the insurance company shall endorse it on the insurance policy.

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 fulfill the obligation to pay the insurance money to the insured's heirs:

1) No beneficiary is specified;

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 the law, and there is no other beneficiary.

The answer can be changed. There are also relevant provisions in the Insurance Law that the beneficiary of life insurance shall be designated by the insured or the policyholder, and the policyholder shall obtain the consent of the insured when designating the beneficiary. If you want to change the beneficiary of the insurance at a later stage, the insured or the policyholder also needs to notify the insurance company in writing.

Question: Do I need the consent of the beneficiary?

Question: If I don't want to go to the insurance company to change it, can I sign an agreement with the beneficiary privately and the beneficiary voluntarily give it up?

No, you have to go through the insurance company, otherwise there will be trouble in the follow-up, okay, I know, thank you.

OK. The insured is the most qualified to designate a beneficiary, and the policyholder must also obtain the consent of the insured to designate a beneficiary.

According to Article 41 of the Insurance Law, the insured or the policyholder may change the beneficiary and notify the insurer in writing. The policyholder needs the consent of the insured to modify or change the beneficiary of the insurance, and the insurer shall, after receiving the written notice of the change of beneficiary, endorse or attach the endorsement to the insurance policy or other insurance certificate.

The beneficiary of the amendment shall be notified in writing to the insured before the occurrence of the insured event, and the insurer must clearly register the change in the insurance policy or other certificate of insurance. Otherwise, even if the beneficiary is changed, the beneficiary of the insurance after the change will not receive the insurance money.

If there is no written notice, the insurer may still pay the benefits to the originally designated beneficiary. Upon receipt of the notice from the person entitled to change, the insurer makes an endorsement on the insurance policy.

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.

Question: Can the survivor be changed?

Answer: The surviving beneficiary (insured) cannot be changed; The beneficiary of death can be changed. The beneficiary of the life insurance can be changed. Because the beneficiary is the right holder who arises on the condition of the death of the insured, the law gives the insured the right to change the beneficiary.

The insured can change the beneficiary of the life insurance during the validity period of the insurance. The insured can revoke the original designated beneficiary and add a new beneficiary, and can also change the beneficiary's benefit share and beneficiary order.

Once the original designated beneficiary is revoked, the original designated beneficiary loses its status as a beneficiary. In the event of multiple changes, the insurer shall take the last change.

Article 63 of the Insurance Law stipulates that "the insured or the policyholder may change the beneficiary and notify the insurer in writing. The policyholder's consent to change the beneficiary is subject to the consent of the insured.

Thank you for your question.

The insured cannot be changed, only the policyholder and the beneficiary can make changes.

It's very simple, buying an insurance for a child may be 500,000 yuan, and the critical illness insurance is only about 6,000 yuan.

If it is replaced by an adult in his 30s, then the same amount of insurance will be given more than 10,000 yuan.

Therefore, there is no way for the insured to change it.

It is not possible to change the insured, and if the insured is to be changed, it is equivalent to surrendering the policy.

There is a 10-day cooling-off period for the purchase of insurance, and if the policy is surrendered within the cooling-off period, the full premium can be refunded.

You have been buying the insurance for 1 month, and if you want to surrender the policy, you will lose a lot.

Except for the insured, it can be changed. If you must become the insured, you can only surrender the policy. There is a loss in surrender. The cash value on the policy is the money you can get back.

Are you a policyholder? Whether it is group accident insurance or not, if it is group accident insurance, it can be changed at any time.

If it is just an ordinary person, then it cannot be changed, and it can only be surrendered, and surrender is a great loss.

The insured cannot be changed, everything else can be changed!

The insured cannot be changed, there is no other way.