What is the extinguishment of the insurance interest, and what is the extinction of the insurance in

The loss of insurance interest refers to the loss of insurance interest by the policyholder or insured, that is, after the conclusion of the insurance contract, the policyholder or the insured loses its interest in the subject matter of insurance due to the occurrence of certain legal facts.

Legal analysis: The reasons of the policyholder, the insured and the beneficiary themselves may lead to the extinction of the insurance beneficiary right, specifically, the following five circumstances can lead to the extinction of the beneficiary right. 1.

The beneficiary waives the right to benefit. If a beneficiary obtains a beneficiary right by virtue of the appointment of a statutory or designator, the acquisition of its rights is a natural acquisition for the beneficiary, and the designator does not need to obtain the consent of the beneficiary, but only needs to perform the notification service. Since it is a right, the beneficiary has the freedom to give it up, and the beneficiary right is extinguished when the beneficiary gives it up.

The beneficiary may expressly waive the beneficiary right after the occurrence of the insured event, that is, the beneficiary expressly waives the beneficiary right to the insurer in writing. Some scholars also believe that the beneficiary can also form an implied waiver of the beneficiary right by failing to receive the insurance benefit within the period prescribed by law. 2.

The beneficiary died before the insured event. As discussed above, before the occurrence of an insured event, the beneficiary only enjoys an expectation benefit or expectation right, which is enjoyed by a subject of a specific identity and cannot become the object of inheritance. Therefore, if the beneficiary dies before the insured event occurs, his beneficiary rights are extinguished.

In the case of the transfer of the subject matter of insurance, the insured or the transferee shall notify the insurer in a timely manner, except for the cargo transportation insurance contract and the contract otherwise agreed.

If the degree of danger increases significantly due to the transfer of the subject matter of insurance, the insurer may, within 30 days from the date of receipt of the notice provided for in the preceding paragraph, increase the insurance premium or terminate the contract in accordance with the contract. If the insurer terminates the contract, it shall refund the insurance premiums already collected to the policyholder after deducting the part receivable from the date of commencement of insurance liability to the date of termination of the contract in accordance with the contract.

If the insured or the transferee fails to perform the notification obligation provided for in the second paragraph of this Article, the insurer shall not be liable for the compensation of the insurance money for the insured accident that occurs due to the significant increase in the degree of danger of the insured object caused by the transfer.

Answer]: c. Changes in the insurance benefits of property insurance. The existence of insurance interests is not immutable, and changes such as the transfer and extinction of insurance interests often occur due to various reasons.

From the time of the transfer of the insurance interest to the expiration of the validity of the insurance contract, the policyholder transfers the insurance interest to the transferee, and the original insurance contract shall continue to be valid after the insurer agrees and performs the relevant procedures for the contract change. The extinguishment of insurance interest means that the policyholder's or the insured's interest in the subject matter of insurance disappears with the loss of the subject matter of insurance. Therefore, C is selected for this question.

What losses are not insurable based on the insurance benefits.

1.Disclaimer of Damages.

2.Losses caused by criminal acts.

3.Losses caused by the policyholder's own negligence.

4.**, administrative or judicial decisions made by courts or any official body or agency.

5.Losses for anyone other than the policyholder themselves.

6.Losses caused by natural disasters, wars, military operations, riots or other force majeure.

7.Losses caused by the violation of laws and regulations by the insurer.

8.Losses caused by the policyholder's failure to perform the insurance contract on time.

It is an insurance interest based on legal civil liability, such as professional liability, product liability, public liability, employer liability, etc.