Beneficiary Description of China Merchants Cigna Fortune Future Children's Education Annuity Insurance
It is necessary for most of the insured who have purchased the future children's education annuity insurance of China Merchants Cinuobao to know the beneficiaries. Details are as follows:
I. beneficiaries of death insurance benefits
1. The insured may designate one or more persons as the beneficiaries of death insurance.
2. When there is more than one beneficiary of death insurance, the order and share of benefits can be determined; If the benefit share is not determined, each beneficiary shall enjoy the benefit right according to the equal share. If the insured is a person without civil capacity or with limited capacity, the beneficiary may be designated by his guardian.
3. The insured may change the beneficiary of death insurance money and notify us in writing. After receiving the written notice of changing the beneficiary and passing the examination, the insurance company shall annotate the insurance policy or other insurance documents or send the approval form. The application takes effect at 24: 00 on the effective date of the change specified in the note. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
4. When the applicant designates and changes the beneficiary of death insurance, it must be approved by the insured. The insurance company will not be responsible for any legal disputes caused by the change of the beneficiary of the death insurance.
5. After the death of the insured, in any of the following circumstances, the insurance money shall be regarded as the heritage of the insured, and the insurance company shall perform the obligation to pay the insurance money in accordance with the provisions of the Inheritance Law of People's Republic of China (PRC):
(1) No beneficiary has been specified, or the beneficiary designation is unknown and cannot be determined;
(2) The beneficiary dies before the insured, and there are no other beneficiaries;
(3) The beneficiary loses or waives the beneficial right according to law, and there are no other beneficiaries.
6. If the beneficiary and the insured die in the same event and the order of death cannot be determined, it is presumed that the beneficiary died first.
7. If the beneficiary intentionally causes the death, disability or illness of the insured, or intentionally kills the insured, the beneficiary loses the right to benefit.
Two. Beneficiaries of education annuities and insurance premiums due.
Unless otherwise agreed, the beneficiary of education annuity and maturity insurance premium is the insured himself.
To sum up, the beneficiaries of China Merchants Cigna Cherish Future Children's Education Annuity Insurance can be roughly divided into death insurance beneficiaries, education annuity beneficiaries and expiration insurance beneficiaries, and there will be differences among them. You should read it carefully to avoid unnecessary disputes.
Relevant suggestions
China Merchants Cigna launched Cherish the Future Children's Education Insurance.
Ms. Liu, who works in a company, has been happy and worried recently. Fortunately, taking advantage of the east wind of the second child opening policy, she was pregnant with a second child at the age of 33. The worry is that the cost of childcare is getting higher and higher. In addition to children's health, education expenditure is also rising. Quality kindergartens and primary schools are "hard to find". From birth, kindergarten to primary school, middle school and college entrance examination, a series of educational problems followed. "Adding another child is not as simple as adding a pair of chopsticks. When you are born, you must raise him well and teach him well. " Ms. Liu's words represent the thoughts of many "second-born" parents.
Parents, how should children's life insurance be insured correctly? How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?
At present, there are many types of children's life insurance in the insurance market, and children will have different choices at different stages of their growth. Children can invest in critical illness insurance when they are babies. When children start school, they can save an education fund for them. The healthy growth of children is the greatest wish of parents. Parents had better choose according to their needs, and can't take out insurance at will.