At common law an insurance contract is not enforceable unless the insured has an insurable interest in the subject matter of the contract. 按照普通法,只有当投保人对保险合同的标的具有可保险利益时,保险合同才有强制性。
The FSLIC, which insured depositors 'money, itself became insolvent. interest income on saving deposits and national debt obligations and other financial debentures issued by the state; 甚至为储户存款作担保的联邦储蓄与贷款保险公司本身也已无力清偿债务。储蓄存款利息,国债和国家发行的金融债券利息;
If you should have a claim, you are the insured and the insurance company who issued the policy has a vested interest in handling the claim promptly and fairly. 如果你应该有一个人,你是投保人与保险的公司是谁签发的政策有既得利益在处理索赔迅速和公正的。
Where the policy designates the subject-matter insured in general terms, it shall be construed to apply to the interest intended by the assured to be covered. 在保险单用一般术语标明保险标的之场合,应解释为适用于被保险人意图投保的利益。
In marine insurance, the insured must have an insurable interest in subject matter, otherwise, the policy is void. [摘要]海上保险中,被保险人对保险标的应当具有可保利益,否则,保险合同无效。
For that "Insured Value" means the value of insurable interest which the insured has on the subject matter insured, but not the value of the subject matter insured, Art. 219 concerning insured value should be modified accordingly; 由于保险价值是指被保险人对保险标的所具有的保险利益的价值,而非保险标的的价值,因而第219条关于保险价值的规定应作相应修改;
The Purpose of making the agreement right of the insured is to make objectivity of decision of the insurance interest and respect of personal right of the insured. 设置被保险人同意权的目的在于实现人身保险合同中保险利益决定的客观化以及对被保险人人格权的尊重。
While, the other objects such as ship, cargo and etc are characterized as subject-matter insured because they are a kind of right or pecuniary interest, which will be damaged by maritime perils when it is under the threat of maritime perils; 而船舶、货物等其他客体被定性为保险标的是因为其本身是一种权利或经济利益,当其处于海上风险之下时,就会因为遭遇海上风险而受损;
Oppugns the provisions in insurance laws of our country on subject matter insured, double insurance and insurable interest. 并对我国保险立法中关于保险标的、重复保险及保险利益的规定提出了质疑。
However, the traditional annuity fix the future yield, the insured faces the inflation risk, the insurer faces the interest risk. 但传统的年金产品在产品购买时,就确定了未来的收益率,保户面临通胀风险,公司面临利差风险。
Through the analysis of Article 12 ( 2) of Insurance Law of P.R.C, the author hold that in case of property insurance, the insured should have insurable interest when the insurance accident take place; 通过对我国《保险法》第12条第2款的分析,笔者认为:在财产保险中,只要求被保险人在保险事故发生时对保险标的具有保险利益即可;
Throughout the development of the Doctrine, its general meaning may be constantly summarized as: where the insured does not have any insurable interest in the subject matter insured, the contract of insurance is not enforceable. 纵观可保利益原则的发展历程,其一贯的主要内涵可被简化为:被保险人对保险标的不具可保利益的保险合同不可被执行。
Insured interest should be translated into insurable interest. 保险利益应译为可保利益;
Assume the insured person and insurant has no insurance interest on the object, when insurance company accepts insurance, moral hazard, even gambling is easily raised. 如果投保人或者被保险人对保险标的没有保险利益,保险人承保的话,就极有可能产生道德风险甚至是赌博。
Other Insurance is different from double insurance, because it emphasizes the identical insured as well as neglects subjective psychology of the party and the identity of the insurable interest. 本文认为,保险竞合所强调的同一被保险人、不考虑当事人主观善恶以及不考虑保险利益是否同一等要素,将其与重复保险明显区别开来。
Another suggestion is that the identities of the beneficiary should be limited, that is, only the person that has relationship with the insured and the insurable interest is qualified to be a beneficiary. 其次,建议限制受益人的身份,只有与被保险人有保险利益的人才有资格担任受益人。