Can the beneficiary be an unrelated friend?

Arnold answers: Hello!

The beneficiary of the insurance can be anyone. An insurance beneficiary, also known as an "insurance beneficiary", is a person designated by the insured or the policyholder to receive insurance benefits in life insurance when the insured event occurs or the agreed insurance period expires. The insured or the policyholder can change the beneficiary and need to notify the insurer in writing, and the policyholder must obtain the consent of the insured when designating the beneficiary, and the insurance beneficiary can not be designated casually.

The insured or the insured may designate one or more persons as the beneficiary, and if the insured is a person without (limited) capacity for civil conduct, the beneficiary may be designated by his guardian; And the insurance policy (voucher) should be annotated or attached to the endorsement. If the insured purchases life insurance for the worker with whom the employee has a labor relationship, the insured or the insured may determine the order and share of the benefits; If the beneficiary share is not determined, the beneficiary shall enjoy the beneficiary rights according to the equal share. When the policyholder takes out life insurance for himself, the beneficiary is the policyholder (insured); It can also be a third party.

When the policyholder takes out life insurance for another person, the beneficiary can be the policyholder, the insured, or a third party. Therefore, the beneficiary of the insurance can be a friend who is not related by blood.

What is an insurance beneficiary, does it have to be an immediate family member, and can it be designated?

Chinese law does not make any restrictions on the qualifications of insurance beneficiaries, but when the employer buys insurance for employees, the beneficiaries must be close relatives of employees.

If the insurance policy.

If no beneficiary is designated, the insurance money can be inherited by the legal heirs, in which case the spouse, children and parents of the policyholder shall jointly inherit the inheritance, which is the inheritance right of the first heirs and all heirs in the same order.

Equal. Second-order heirs include the deceased's siblings, grandparents, and maternal grandparents. There are first-order heirs, but second-order heirs cannot inherit.

The beneficiary of the insurance, also known as the "recipient of the insurance money", refers to the right to claim the insurance money in accordance with the insurance contract when the insured or the policyholder designates to dig out and regret the occurrence of the insured accident or the expiration of the agreed insurance period.

of people. A person who is designated by the insured or the policyholder in the insurance contract and is entitled to receive the insurance benefit after the death of the insured is generally found in the life insurance contract. If the policyholder or the insured person does not designate a beneficiary, his legal heirs are the beneficiaries.

Insurance can designate non-relatives as beneficiaries, and China's Insurance Law does not make any restrictions on the qualifications of insurance beneficiaries.

The beneficiary must have the following:

1. The beneficiary is the person who enjoys the right to claim the insurance money.

The beneficiary enjoys the benefits of the insurance contract and receives the insurance money, but he is not a party to the insurance contract and is not obliged to pay the insurance premium.

2. The beneficiary is the person designated by the policyholder or the insured in the insurance contract.

After the insurance contract takes effect, the policyholder or the insured can revoke or change the beneficiary in the middle of the process without the consent of the insurer, but the insurer must be notified and the insurance will approve it on the insurance policy before it can take effect.

Insurance Law of the People's Republic of China

Article 21 The policyholder, the insured or the beneficiary shall notify the insurer in a timely manner after learning of the occurrence of the insured event.

If the nature, cause, and extent of loss of the insured accident are difficult to determine, the insurer shall not be liable for compensation or payment of insurance money for the part that cannot be determined, unless the insurer has known or should have known about the occurrence of the insured accident in a timely manner through other means.

OK. The insured person should generally designate his or her family members or close relatives as beneficiaries, such as spouse, children, parents, siblings, etc. When several of them are in need of assistance, several beneficiaries can be designated, and the order and share of the beneficiaries can be reasonably determined according to their different income levels and their own support obligations.

If the beneficiary is an incapacitated person (a child or a mentally ill person who is unable to recognize his or her own actions), the beneficiary's guardian collects and manages the benefits on his or her behalf. But there is a legal distinction between a guardian and a beneficiary. These factors should be taken into account by the insured when designating a beneficiary.

The beneficiary of the insurance can be designated by the policyholder at the time of application, and can become a beneficiary as long as the conditions are met. Insurance beneficiaries include policyholders, insureds, other natural persons, legal persons or unincorporated organizations, etc. After the insurance contract takes effect, the policyholder or the insured can revoke or change the beneficiary in the middle of the insurance contract without the consent of the insurer.

However, the insurer must be notified and the insurance will approve it on the insurance policy before it can take effect. If the policyholder and the insured are not the same person, the policyholder must obtain the consent of the insured when changing or withdrawing the beneficiary.

If there is a dispute between the parties over the beneficiary agreed in the insurance contract, it shall be handled separately in accordance with the following circumstances, unless otherwise agreed by the policyholder and the insured in addition to the insurance contract:

1. If the beneficiary is agreed to be a "statutory" or "legal heir", the legal heir shall be the beneficiary;

2. If the beneficiary is only agreed to be the identity relationship, and the policyholder and the insured are the same subject, the beneficiary shall be determined according to the identity relationship with the insured at the time of the occurrence of the insured event;

3. If the policyholder and the insured are different entities, the beneficiary shall be determined according to the identity relationship between the insured and the insured at the time of the conclusion of the insurance contract.

There can be no blood relationship between the policyholder and the insured, and I will dig this to give you a detailed science popularization of the relevant knowledge points about the policyholder and the insured below.

First of all, you can accept this popular science guide to insurance: before buying insurance, you must first understand these key knowledge points!

Let's take a look at how the "Insurance Law" defines the policyholder and the insured.

The policyholder refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay insurance premiums in accordance with the insurance contract; The insured refers to the person whose property or person is protected by the insurance contract and has the right to claim the insurance money.

Among them, the policyholder can be the insured. There can be no blood relationship between the policyholder and the insured, as long as there is an insurance interest relationship. For example, if you buy insurance for a friend, as long as the friend agrees to sign the insurance contract, it can be regarded as an insurance interest that is not related by blood.

If the relationship between the policyholder and the insured is still vague, you can take a look at my previous article: What is the difference between the policyholder and the insured? A sentence of lead quickly tells you the details!

The policyholder and the insured can be two people or the same person. In the insurance contract, in addition to the insured, the policyholder and beneficiary can be changed by agreement for legitimate and reasonable reasons.

If the policyholder is changed, the scope of the insurance contract will not change, and the insurance contract does not attach the policyholder's exemption liability, and the change does not cover the policyholder's exemption liability, but it does not affect the policyholder and the insurance company can agree to add the policyholder's exemption.

In fact, the beneficiary mentioned above is not difficult to understand, referring to the person who accepts the benefits of the insurance contract, simply put, the person who accepts the insurance company's loss.

Beneficiaries are divided into living beneficiaries and deceased beneficiaries, the latter can be divided into legal beneficiaries and designated beneficiaries, and the priority of the designated beneficiaries is higher than that of the legal beneficiaries. When we apply for insurance, it is best to think clearly about who to fill in the beneficiary column, which is related to who the money will be paid to after the accident.

Hello! According to the provisions of the Insurance Law of the People's Republic of China, the policyholder refers to the person who has entered into a contract with the insurer and has the obligation to pay the insurance premium in accordance with the insurance contract. The insured refers to the person who, according to the insurance contract, has the right to claim insurance money after the occurrence of an insured accident and whose property interests or personal life are protected by the insurance contract.

It should be noted that in insurance practice, there can be no blood relationship between the policyholder and the insured.

The relationship between the policyholder and the insured.

1. An insured hungry servant is a person who has an insurable interest in the insurable subject matter, applies to the insurance company to conclude an insurance contract, and has the obligation to pay the insurance premium. The insured person can be a natural person or a legal person.

2. The insured is a person protected by the insurance contract. They have their property, life or body as the subject matter of insurance, and they have the right to claim insurance money after the occurrence of an insured event. The insured person can be the same person as the policyholder.

The insurance beneficiary may not be related by blood, but as a person with the right to claim insurance benefits, it is best to designate a legal beneficiary, including spouse, children, parents, siblings, grandparents, and grandparents.

If the insured person is an adult, the beneficiary must be his or her parent or legal guardian.

In addition, the insurance beneficiary cannot designate boyfriend and girlfriend, girlfriend, or lover to avoid moral hazard, and the insurance company can also avoid claims disputes.