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A Study of the Insurance Beneficiary

Author: WuJun
Tutor: XiaoHeBao
School: Hunan University
Course: Civil and Commercial Law
Keywords: Insurance beneficial Beneficiary designationgs Chang of beneficiary claim to the insurance money
CLC: D922.284
Type: Master's thesis
Year: 2009
Downloads: 274
Quote: 3
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Abstract

An insurance beneficiary is the person you name in a life insurance contracts to receive insurance proceeds upon the occurrence of the event insured against . Insurance beneficiary is very important in the contract of insurance.It is the possessor of the insurance avail and the insurance object.It realizes the aim、moral tropism and judging value of policy holder and the staffers of insurance company misunderstand the knowledge of insurance beneficial,so that it arose some dispute.Frome the present system of insurance law,there are few about beneficiary,so that it has given rise to number of insurance disputes about insurance beneficiary.this thesis adopts the way of the demonstration to analysis some issue of the beneficiary systim to guide practise.In order to improve the legal system of the beneficiary, the first thing is to analysis the basic theory of it, to lay the foundation of the specific legal system; Second it is need to limite the qualifications of the beneficiary, and make specified methods .In addition, the designated beneficiary of the insurance practice that often appear in the special problems related regulations should also be carried out; Again,on the issue of the beneficiary of change, it should be retained by the insured person’s consent if it has to abolit the insured person’s right. Of course, in order to effectively protect the benefits of the beneficiaries, something should also be done to change some of the limitations; The right of change the beneficiary may lost in some times,so it will be able to protect other legal effects; Finally, if the beneficiary and the insured dead at the same time, it should be presumed that the death of the beneficiary first.

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