However, the transferability of life insurance contract leads to another feature of life insurance policy, namely, the recipient of death benefit when the insured dies does not necessarily have insurable benefit to the insured. 但寿险合同的可转让性衍生出可保利益在寿险保单中的另一个特点,即在被保险人死亡时,领取死亡保险金的人不需要对被保险人具有可保利益关系。
Advocating the Establishment of a Discipline and Considering the Exoneration More Prudently& Comments on the Imperial Examination system after 100 Years Study on Self-murder Exoneration Provisions in the Contract of Life Insurance 赞成立学慎言平反&百年过后说科举人身保险合同自杀条款研究
On the Insurance Benefit in the Contract of Life Insurance 人身保险合同中的保险利益之我见
Study on Common Provision in the Contract of Life Insurance 人身保险合同常见条款研究
The Contract Governance Future Interest Rate Applied in Asset-Liability Management of Life Insurance Firms 远期利率在寿险公司资产负债管理中的应用
Contract stipulation determines contract effectiveness of life insurance 合同约定决定人身保险合同的效力
The former is valid only in the contract of life insurance except that of the endowment insurance, the insurance contract that encompasses death elements in other words. 保险受益人仅存在于生存保险之外的人身保险合同中,即具有死亡因素的保险合同中。
The contract is the final legal result of the individual transaction and the expression forms of life insurance product. 寿险本身就是一个个人的交易行为,个人交易行为最终形成交易成果的法律要件&契约,成为寿险商品的表现形态。
From the view of life insurance nature, life insurance is a kind of contract as well as a system. The achievement of life insurance security and investment function depends on the complete design of system. 从寿险的本质出发,寿险是契约,是制度,寿险保障及投资功能的实现是靠制度体系的整体设计与演进。
So the contract transaction of life insurance should be defined the right by laws so as to guarantee the reliability of promises and to increase efficiency of transaction. 寿险契约交易就需要通过法律对权利进行界定,保证交易承诺的可信性,有利于提高市场交易效率。