论人身保险中的受益人及其受益权

123AbstractAlongwiththecontinuouslystrengtheningofconsciousness,continuouslydevelopmentofinsuranceindustry,theweightoflifeinsurancehasalsocontinuouslyincreased.Fromthepointofourinsurancelawtherearealotofproblemsdeservedtostudy.Beneficiaryisoneofthem.Inourcountryinsurancelawtherearealotofprovisionsaboutbeneficiary,suchasNo.21,54,55,60,63,64,someoftheseprovisionshavematchedthelawmakingpurposeoftheinsurancelawandthehabitofinsurance.Butsomeofthemarenotsuitabletothelegalthesis,soit'sveryeasytomakemistakeinpractice.Thispaperanalysestheprovisionsofbeneficiaryandpointsoutwherearetheshortcomingsandloophole.Onthebasis4ofstudyingforeignlegislatures,Ifindoutthewaytosolvetheseproblems.Therearetwopartsinthisarticle.Thefirstoneisbeneficiary.Thesecondoneistherightofbeneficiary.Imentionthreeproblemsinthefirstpart.No.1istheconceptionofthebeneficiary.Firstofall,Ianalyzethedifferenceandcommonpointsamongthebeneficiaryincommonsense,inthecivillawtheoryandininsurancelaw.Whetherthebeneficiaryshouldexistinthepropertyinsurance.Thereshouldbelegalandagreementwaytoproducebeneficiaryexceptforthewayofdesignation.Third,Istudytheproblemofwhoshouldhavetherighttodisignatebeneficiary,thepolicyownerortheinsured.AtlastIgivemyconceptionofbeneficiary.No.2isaboutthedisignationofbeneficiary.FirstofallImentionwhoshouldhavetherighttodisignatethebeneficiary,thepolicyholderortheinsured.Ianalyzethisproblemwithfouraspectsthendrawmyconclusionthatthisrightshouldbelongtothepolicyholder.Second,Istudythelimitationofthequalificationstothebeneficiary.Therearen'tanyprovisionsaboutthelimitationinourcountryinsurancelaw.Butinsomecircomtensesthereshouldbelimitationofthebeneficiaryqualificationinordertoprotectthebenefitoftheinsured.Third,Istudythewaysofdisignatingbeneficiaryandpointouttheadvantagesandthedisadvantagesofdifferentways.Allthesewillhelpourlegislature.AtlastIanalyzetheproblemwhenthereisn'tdisignatedbeneficiary.No.3isaboutthechangeofbeneficiary.Therearethreepartsinthissection.Thefirstoneisaboutthelimitationoftherighttochangethebeneficiary.Thisrightwillbelimitedbyirrevocablebeneficiary,divorcedecreesandpropertysettlements,communitypropertyrightsandincompetency.Second,therearethewaystochangethebeneficiaryandtheadvantagesandthedisadvantagesof5differentways.Onthebasisoftheabove,Igivemysuggestiontothelegislation.Thesecondpartofthispaperistherightofthebeneficiary.Therearethreeproblemsinpart2.No.1isthecharacteristicsofthebeneficiaryright.Onthebasisofthecategoryoftherevocableandtheirrevocablebeneficiary,Ianalyzethecharacteristicsoftwokindsofbeneficiaries.No.2istheexerciseofthebeneficiaryright.No.3istheterminationofthebeneficiaryright.678910111213141516171819202122232425262728293031323334353637383940414243444546