Features of life insurance
Life Insurance - the most important component in the system of insurance to protect the interests of citizens. The set of types of life insurance is designed to provide insurance benefits upon the occurrence of social risks in the first place - for the loss of total disability, pension and survivor's family.
These insurance interests to conclude an insurance contract intended destination disability insurance, pension insurance and insurance in case of death. Terms and conditions of life insurance contracts are very diverse. The base contract may be many modifications, which combine a variety of risks in the contract drawn up individually.
Life insurance is a set of types of personal insurance, providing
obligation of the insurer to implement an insurance payment in case of:
• survival of the insured until the end of the insurance period specified in the insurance contract or age;
• death of the insured.
Insurance payments under life insurance contracts in the cases provided for in the insurance contract, may be made to the beneficiary, or heir, or to the insured in the form of periodic insurance benefits - annuities (pensions and annuities) or as a one-time insurance payment. Simultaneously, the law established that the validity of contracts of life insurance may not be less than one year, and in the calculation of insurance rates and the formation of insurance
If the types of insurance other than life insurance, the insurer analyzes the probability of occurrence of the insured event for usually the calendar year of insurance, then the insurance life insurance becomes the subject of the risk inherent in a person's life. This causes the insurer to analyze the probability of survival of the insured (or insured), up to the age or the period specified in the insurance contract.
Life insurance is issued by the contract under which one party, the insurer undertakes to pay the due sum insured, if during the period of insurance provided by an insurance event happens in the life of the insured, subject to receipt of insurance premiums paid by the insured. As can be seen from the definition, the life insurance contract is linked to the life of a particular person - the insured, therefore, the insured must be defined in the contract to be able to estimate the probability of his death during the term of the contract. There are insurance policies of their lives when the insurer and the insured are one and the same person, and life insurance contracts a third party when the identity of the insurer and the insured are not the same, but the insurer is there an insurable interest in the life of the insured. Acceptable presence of a larger number of insured provided that the insured is present such an insurable interest.
Participants in liability insurance can be a third party beneficiary ~ and the insured person.
The beneficiary (beneficiary) - a natural or legal person having an insurable interest in favor of whom the insured life insurance contract.
The presence of such an interest is fixed directly to the property insurance contracts, life insurance contracts for the presence of such an interest is not required.
With the appointment of a beneficiary or the insurer, or the insurer does not drop out of the insurance contract. This is due to the fact that the acquisition of the right to contract directly from the beneficiary is sekundarny xapaktep. To it was transformed into a subjective, capable of protecting the rights of, the beneficiary must express the fact his will. Otherwise, the carrier of the right continues to be the policyholder.
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