For international trade insurance cases, please ask the lawyer and insurer to take a look at it for

An insurable interest is an interest that is recognized by law as relating to the policyholder.

My view is that the seller is the policyholder and has an insurable interest in the subject matter of the insurance, but the buyer does not, so the insurance company's refusal to pay is justified.

Subject matter and insurable interest of marine insurance:

When entering into a marine insurance contract, it is necessary to specify the object of insurance, that is, the subject matter of insurance. The subject matter of insurance refers to the object or object of insurance protection provided or required by both parties to the insurance contract, and is an important basis for constituting an insurance relationship. As the bearer of the occurrence of the insured event, the subject matter of insurance is an affirmation of the risk they want to pass on or the object of insurance protection for the policyholder or the insured, and for the insurer, it clarifies the specific goal for which he is responsible.

The subject matter of insurance is an important basis for constituting an insurance relationship. There is a view that the subject matter of insurance is the object of the marine insurance contract. However, the opposing view is that the subject matter of the insurance is not the object of the insurance contract.

The reason is that the insured object is the bearer of the occurrence of the insured event, and when it suffers losses due to the occurrence of the insured event, the insured can claim compensation from the insurer, but the insurer's responsibility is not to ensure that the insured does not have an accident other than the occurrence of the insured object, but only to compensate the insured for the economic losses suffered by the loss or damage of the insured object. It can be seen that the object to which the rights and obligations of both parties in the insurance contract are directed, that is, the object of the insurance contract is not the subject matter of insurance itself, but the economic interests of the insured in the subject matter of insurance, i.e., the insurable interests.

Your case is obviously a textbook.

I'll analyze it with some experience to see if it's right.

It's cost plus insurance plus freight. The seller has already purchased insurance for this batch of goods, and either the buyer or the seller can claim compensation from the insurance company in practice. In this case, the seller has already received the payment, so I think it should be the buyer's claim, and in this way, I think that the risk is transferred from the seller to the buyer from the moment the goods are put on board.

2.The second question is clear. No. Because this is an irrevocable letter of credit. The bank only reviews the documents. Payment is made if there are no discrepancies in the documents.

3.If all risks are insured, the insurance company must be liable. There's no reason for this. Because of the cargo insurance, there was no violation of the terms of the insurance company in this case.

1. The risk has been handed over to the buyer since the goods have crossed the ship's side at the port of loading;

2. The buyer should pay and then claim compensation from the insurance company.

3. I don't know which insurance company the seller uses. Even if it is a PICC, it has been more than 2 years, and the claim is no longer valid. I can't remember this clearly, so you need to consult the insurance company accurately.

The grandmother is not the direct guardian of the grandson and has no direct custody relationship. Therefore, the insurance contract in which the grandmother is the policyholder and the grandson is the insured must be agreed by the parents. In the absence of parental consent, the validity of the insurance contract will be affected.

In principle, if the parents are alive, the grandmother cannot insure the grandchildren. But now some insurance companies can buy it after meeting certain conditions (such as children over 10 years old, etc.), but only with the approval of their guardians! (That's the key!) ）

With the consent of the guardian, the grandmother can appoint herself as the beneficiary of the contract, and the guardian needs to agree and sign for confirmation.

I have just joined Tianan Life, if there is anything wrong, please point it out, thank you.

Because the insured is Wang, he should receive a compensation of 20,000 yuan from the insurance company.

thought that Li had died, and he also received 10 yuan in compensation from Wang.

First, Li did not designate a beneficiary, and several of his legal beneficiaries enjoyed an insurance payment of 20,000 yuan.

Second, the 10 yuan for Wang should also be shared by several of his legal beneficiaries.

The specific allocation amount is in the order prescribed by law.

Li has a health insurance with an insured amount of 50,000 yuan This can't explain anything, some insurance accidents are compensated for double or triple the insured amount, and the insurance money is paid to his designated beneficiary.

The pool insures each guest with an accident insurance amount of 20,000 yuan, and this 2w should be given to his legal heirs.

The compensation of 100,000 yuan for Wang should be given to the legal heirs, which is priceless with insurance that has nothing to do with human life, and it should be compensated for it, and there is no conflict.

(1) It depends on what is the amount of insurance risk insured by Li? If the risk insurance amount of health insurance is 50,000 yuan, then a total of 70,000 yuan will be claimed; If the "Corning Life" insurance is insured in Chinese Life Insurance Company, the insurance amount is 50,000, the death insurance benefit is 150,000 yuan, and the accident insurance of 20,000 yuan is added, and a total of 170,000 claims should be paid.

2) As for Wang's compensation of 100,000 yuan, it should be distributed in order according to the heirs of the estate.

Li: His own health insurance, the insurance company compensated him 50,000 yuan. The swimming pool buys insurance for guests, and the insurance company pays 20,000 yuan.

Civil compensation has nothing to do with insurance, Li is the victim, so naturally Wang should compensate him, 100,000 yuan.

Personal opinion.