A couple bought a mutual insurance policy. If this happens, will the insurance still be valid if they divorce? Is there any way to protect personal interests?
Hello everyone, I am a novice. As the divorce rate in China has become higher and higher in recent years, I will always encounter some married customers. When purchasing insurance policy , I will ask this question. Today, let’s talk about the issue of “couple and wife protection”~ Remember to like and collect it in advance~
First of all, in the face of couples’ mutual insurance policies that are at risk of divorce, most family and friends mainly pay attention to three issues: First, whether the policy is still valid; second, the ownership of claims; third, how to protect personal interests?
The first question: Is the insurance policy still valid?
Family and friends, please rest assured that this is definitely effective. Although there is no insurance interest relationship between the insured after divorce, according to the Insurance Law, "the court does not support it because the insurance interests are lost and the claim that the contract is invalid." In other words, as long as the contract is established and is effective, even if the insurance interests between the insured are lost, the policy is still valid.
The second question: In case of a claim settlement, who will the insurance policy settlement pay?
We all know that when buying long-term insurance, we will fill in a beneficiary. Normally, if the insured is still there, the claim payment is the insured, and the insured is gone for some reason, the claim payment is given to the beneficiary.
. Most of the orders for couples to insure each other will fill in the insured or their own children when writing the beneficiary. So since the divorce is done, the insurance interest relationship will no longer exist, will it affect the ownership of the claim?
Let’s divide it into three situations:
① The insured person has a disease/accident , so no matter what the relationship between the husband and wife is, it belongs to the insured person’s personal property. Therefore, even if you get personal compensation before marriage, you still belong to the insured person.
② Before the marriage, there was no claim for . The beneficiary of is the child's . Then the breakdown of the marriage between the couple will not affect the legal relationship between the parents and the children, so the ownership of the policy remains unchanged.
③ is still the above situation, but the beneficiary is a spouse. According to the provisions of the Insurance Law, if the identity relationship changes, it will be considered as "unspecified beneficiary", and will eventually be treated as "the insured's estate", which will be distributed according to the method of inheriting in inheritance. Then the ex-wife or ex-husband of the insured has no inheritance right, which means that the money has nothing to do with the insured.
So in general, the claim attribution will not change much except for the beneficiary being the spouse.
Speaking of this, I guess some family and friends are going to ask, hey~ Hearing this, it seems that divorce has little impact on the mutual insurance policy of couples! Then... I have to pour a basin of cold water on everyone here, it's not that simple!
Why? What is mentioned above is basically legal operations, but the actual situation is always more complicated! Because there are still certain practical operational problems. For example, if my husband was originally a policyholder and was responsible for paying the money, but now he is divorced and he is unwilling to pay it. Moreover, the other party may not be good, and he does not agree to change the payment account, so it will be difficult to deal with. Therefore, the effectiveness of the policy will also vary depending on the status of the couple when they divorce.
This also raises the third question of : How to protect personal interests?
If you are the insured person insured and can negotiate well, try to negotiate and change the insured person to yourself, then this policy belongs to you.
If you are an insured policyholder, you have paid the fees in the past and want to consider the interests of the other party, you can negotiate to let the other party call you the past premium and then assist the insured to give him. If you don’t want to consider the other party, you can continue to control the insurance policy. After all, the control is still in the hands of the insured. Of course, if the negotiation fails, you can also get back the cash value in in the form of . However, the overall loss of benefits of this method is very large and it is not recommended.
At this time, I guess another family and friend asked, is there any way to avoid this kind of situation?
Two points are suggested here:
First: When purchasing insurance, the interests are separated and each of them buys their own policies can avoid the issue of splitting insurance policies. If you want to know more about the topic of splitting husband and wife policies, you can follow my next video - Couple marriage change, how to split insurance policies?
Second: It is to manage the relationship between husband and wife well and avoid marriage risks. If you can do this well, that is the best way.
So, at the end, I wish every couple their relationship as beautiful as the first meeting, and I hope no one will ask me this question again.
The last, if this article is helpful to you, remember to forward the important people around you. I am Xiaobai, like and follow me, and move forward together on the road to wealth!
