What is the relationship between Insurance Home and the partners?

Partner insurance, also known as "shareholder mutual insurance", is one of the important functions of insurance, which is very common in countries and regions with developed insurance, and is one of the important means for enterprises to effectively prevent risks.

First of all, it is necessary to understand a very important concept in insurance, "insurable interest", "insurable interest" means: "the policyholder and the insured, the insured and the beneficiary, must have an economically measurable interest relationship within the scope of the law". To put it simply, in the case of ordinary life insurance, there must be an insurable interest between the policyholder (the person who pays the premium) and the insured (the person who is protected).

In the determination of insurable interests, it is divided into the "relationship theory" of the common law system and the "recognition theory" of the civil law system. In our country, many insurance companies adopt the "relationship theory", that is, the method of determining the interests between the policyholder and the insured is "spouse, parents, children, and family members and close relatives who have a relationship of dependency and support". At the same time, there is also a legally insurable interest between the partners of the enterprise, because the relationship between them is "economically measurable", and it is on the premise of this recognizable interest that the partnership insurance arises.

Partner insurance does not necessarily require the company's investors to participate, but also includes key people who are very important to an enterprise, such as general managers, accountants, chief engineers, etc., that is, people who play a key role in the operation of the enterprise can participate in this plan. 2. Why should I invest in partner insurance?

The purpose of shareholder mutual insurance is to protect one of the shareholders from the impact of extreme risks on the entire company's operations. In partnerships, almost everyone is prepared to face market and macroeconomic ups and downs, but few people think that there is another huge "hidden risk" that is generally overlooked: the health risk and personal accident risk of your partner.

If an accident suddenly happens to one of the company's major shareholders, you have figured out what to do to keep the company's finances running normally.

Hello, the relationship between the insurance home and the partners should be in a cooperative relationship, in which you can earn a certain profit and make money with each other! Thank you.

The relationship between the insurance home and the partners, they are both connected and both. Separate two relationships. Both the insurance bracket and the partner are. contractual relations.

And the relationship between Xiaojia and the partners, I think it is very good, they win each other.

The insurance interest of life insurance refers to the interest of the policyholder in the life or body of the insured, that is, the policyholder will suffer losses due to the occurrence of the insured event, and the original interest will be maintained due to the non-occurrence of the insured event.

There are two principles on the basis of the international insurance interest in life insurance, namely the principle of interest doctrine and the principle of consent doctrine. [2]

1 The principle of profitism.

The principle of interest idea takes whether there is an economic interest relationship between the policyholder and the insured as the basis for the existence of insurance interests. That is, if there is an economic interest between the policyholder and the insured, the policyholder has an insurance interest in the insured. For example, there are economic interests between husband and wife, partners, etc., so husband and wife and partners have mutual insurance interests.

2 The principle of consentism.

The principle of consent doctrine holds that as long as the consent of the insured is obtained, regardless of whether there is an interest between the policyholder and the insured, the policyholder is considered to have an insurable interest in the insured.

3 China adopts the principle of combining interestism and consent.

According to the provisions of Article 53 of the Insurance Law of the People's Republic of China, it can be seen that China adopts the principle of combining the doctrine of interests and the doctrine of consent.

1) Profitism.

Paragraph 1 of Article 53 of the Insurance Law of the People's Republic of China stipulates that "the insured shall have an insurance interest in the following persons: (1) himself/herself; (2) Spouses, children, and parents; (3) Other family members and close relatives who have a relationship of support, support or support with the insured other than those mentioned in the preceding paragraph. ”

2) Consentism.

Paragraph 2 of Article 53 of the Insurance Law of the People's Republic of China stipulates: "In addition to the provisions of the preceding paragraph, if the insured agrees that the policyholder concludes a contract for him, the policyholder shall be deemed to have an insurance interest in the insured." In order to more effectively prevent moral hazard, the "consent of the insured" in this absolute rule should be conditional on the existing legal relationship between the insured and the policyholder that can give rise to a relationship of interest.

That is to say, what is manifested here is a dual condition, which is to have a certain legal relationship and the consent of the insured.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

The so-called partnership enterprise is a cooperative relationship between several individual partners, that is, the cooperation between partners or partnership units. As the compulsory payment of social insurance premiums is subject to employers and individuals, the emphasis is on the labor relationship between employers and individuals. The partnership itself is not directly related to the payment of social insurance premiums.

However, there are two situations as to whether it is necessary to pay social insurance premiums for the partners of the employer:

First, if there is an employment relationship between the partner and the employer, the partner shall pay social insurance premiums;

Second, if the partner and the employer only have an investment relationship and no labor relationship, they should not pay social insurance premiums.

Whether an employer should sign a written labor contract with a partner shall be decided based on the nature of the legal relationship between the partner and the employer, the form of employment, and other specific circumstances. If the relationship between the partner and the employer is stable, a written employment contract shall be signed in accordance with the law, otherwise the employer will bear legal liability.

Article 971 of the Civil Code of the People's Republic of China stipulates that a partner shall not request payment of remuneration for the execution of partnership affairs, unless otherwise agreed in the partnership contract.

1. The concept of a partner in a company.

Partners refer to organizations and individuals who invest in the formation of a partnership and participate in the partnership, and are the main body of the partnership.

The first thing you have in a partnership is the partners. A partner is a relatively common concept in jurisprudence, usually referring to a natural or legal person who invests in a partnership with his assets, participates in the partnership, enjoys rights and obligations according to the agreement, and bears unlimited (or limited) liability for the debts of the enterprise. Partners should have the capacity for civil rights and conduct.

2. How to liquidate the withdrawal of partners.

1. If a partner withdraws from the partnership, the other partners shall settle with the withdrawing partner according to the property status of the partnership at the time of withdrawal, and return the property Huailiang share of the withdrawing partner;

2. If the withdrawing partner is liable for the losses caused to the partnership, the amount of compensation shall be deducted accordingly;

3. If there is an unsettled partnership business at the time of withdrawal, the settlement shall be carried out after the settlement of the transaction;

4. The method of returning the property share of the withdrawing partner in the partnership enterprise shall be agreed in the partnership agreement or decided by all partners, and the money or kind may be returned;

5. The withdrawing partner shall be jointly and severally liable for the debts of the partnership arising from the reasons before the withdrawal;

6. When a partner withdraws from the partnership, if the property of the partnership is less than the debt of the partnership, the withdrawing partner shall share the losses in accordance with the regulations.

Insurance Home has hired a senior broker in the industry with a high salary, who knows the insurance industry very well and knows the customers very well, because it goes deep into the urban community, so it can directly obtain customers in the first time, and the transaction rate of the policy is very high. In addition, this company is also an insurance brokerage company that is more interested in copyright and brand culture, and has also specially developed a set of family demand-oriented risk management service system, from a unique business model and strategic vision, it is very modern enterprise management concept.

At the same time, Insurance Home also firmly implements the customer-centric FDS family risk management demand model, and serves customers from the customer's standpoint, which is very friendly to many customers, and proves that Insurance Home is very firm in implementing the customer-centric position through a large number of policy return visits and assisting in the claims service industry.

Insurance Home has opened the store branding strategy to upgrade, unified logo, unified image and unified management, changed the scattered appearance of insurance intermediary service management, branded community service standards, and also reassured customers. In the process of modern enterprise management, branding is the inevitable trend of the enterprise, based on the strategy of the brand, the enterprise has a sense of responsibility and mission, and the brand and business results are more cherished, and the service professionalism derived from the branding, the unification of service standards and so on is natural. Insurance Home is the only insurance intermediary in China that has obtained CAA certification, which can be said to be a step out of the internationalization of the insurance intermediary product Bird, and every step is changing the brand image of the insurance intermediary.

There are many benefits, the first is to help you save a lot of costs. The headquarters has six major supports for stores: brand management, customer management, talent training, financial settlement, technology research and development, and product operation.

Help the store manager solve the problems of product first, financial industry and commerce, technical background and so on, which is equivalent to a stable foundation for the store.

The other is the value of the insurance home brand, their home is a high-end intermediary service, the brand value is much stronger than the small intermediary, people who buy insurance still value the brand, after all, they have to pay so much money every year, a dig out for ten or twenty years, what if the small intermediary can't do it and runs away? However, the large group company can run the monk and can't run the temple, so it attaches great importance to credibility.

Another advantage is publicity, which is unified, and the headquarters arranges that stores have the opportunity to use the headquarters to expand their popularity.

The disadvantages are also more obvious, one is standardization, strict management, then the early investment of a lot of energy, including the training of partners, the training of clerks, these all take time. And there are also right requirements for academic qualifications, at least junior college.

After all, by the end of the year, your business in the same city is not good, and others are the first in the district, and you are not comfortable.