第一篇:受益人指定权
保险受益人指定权
案例
黄先生正值壮年,在一家著名电子企业中担任销售经理。三年前儿子出生后,富有家庭责任心的黄先生萌发了购买保险的念头。在朋友的推荐下,黄先生购买了总保额为50万元的寿险与意外险,可就在填写受益人的时候,黄先生有些犹豫是指定儿子还是太太,保险代理人就建议黄先生可先填写法定,待将来想清楚后再做更改。
可是2006年底,黄先生在去外地出差的时候遭遇车祸身亡。当黄太太拿着保单来到保险公司进行索赔的时候,被告知由于保险受益人为法定,黄太太不能领取保险金,因为根据中国保险法第六十四条规定:被保险人没有指定受益人的,被保险人死亡后,保险金作为被保险人的遗产。
由于黄先生生前还向银行申请了房贷,因此,银行也向法院提出将保险金作为还贷资金的请求。至今,旷日持久的保险金归属案还在审理之中,黄先生的家人在丧失亲人的悲痛之下,还要面对官司。
由此而得
事实上,由于未指定保险受益人而引发的继承人间的矛盾与官司相当常见。因为在法定继承中,第一顺序继承人是指被保人的父母、配偶及子女,故保险公司通常都会规定:在提交理赔申请时必须提供上述继承人与被保险人的关系证明(对于户口不在一起的受益人则需由户籍所在地的公安机关提供关系证明)及身份证,对于先于被保险人身故的第一顺序继承人,则必须提供该继承人身故的证明。因此,继承人之间因保险金而产生的纠纷屡见不鲜,即使继承人之间能够和平处理继承份额的问题,继承人也需要花费大量的时间和精力提供各项相关证明文件。
由此可见,被保险人未指定受益人而产生的问题有悖于被保险人投保时的初衷。那究竟应该如何指定受益人呢?黄先生当年在购买保险时,他可以同时指定儿子与太太为受益人,甚至可以明确地指定他们各自受益的份额,这样的话,既可在家庭失去栋梁时提供必要的经济援助,又可避免了由保险金引发的家庭纠纷。
如果像黄先生那样在投保时没有指定受益人,在保单有效期内可以随时去保险公司要求指定受益人;即使投保时指定了受益人,也可以在保单有效期内随时更改受益人。所以,为了落实对家人的爱心和责任心,千万不要放弃受益人的指定权!
注:指定权>债权>继承权
第二篇:受益人证明
BENEFICIARY’SCERTIFICATE
To: INVOICE NO.:AHG11312 UNIWORLD S.D.L.COMPANYS/C NO.:HLIP-05128
MINCHINBURY REGION, LOCKED BAG56,L/C NO.:ZSC98
WE CERTIFY HEREBY THAT COMMERCIAL INVOICE, PACKING LIST, FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LOADING, FULL SET OF NEGOTIABLE INSURANCE POLICY WERE SENT DIRECTLYTO APPLICANT BY COURIER AFTER ONE DAY FROM THE TIME OF SHIPMENT.THE RELATIVE COURIER RECEIPT SHOULD BE REQUIRED FOR PRESENTION.ANHUI CHEMICAL IMPORT AND EXPORT COMPANY
第三篇:受益人证明
NANJING TANG TEXTILE GARMENT CO., LTD.HUARONG MANSION RM2901 NO.85 GUANJIAQIAO, NANJING CHINA
CERTIFICATE
To:
Invoice No.:Date:
第四篇:受益人证明
XIANGTAN FOREIGN TRADE CO.LTED
JIANSHE ROAD, XIANGTAN, HUNAN, CHINA
TEL:0086-0731-52554248FAX:
OCT 18,2011
BENEFICIARY’S CERTIFICATE
CREDIT NUMBER.NAJ 40L09039
WE HEREBY CERTIFY THAT
1/3 ORIGINAL B/L.ONE COPY OF INVOICE, ONE COPY OF PACKING LIST HAVE BEEN MAILED BY EMS/DHL TO APPLICANT WITHIN 72 HOURS AFTER B/L DATE
XIANGTAN FOREIGN TRADE CO.LTEDYULE
湖南轻工产品进出口公司
HUNAN PROVINCIAL LIGHT INDUSTRIAL PRODUCTS I/E CORP。
受益人证明
BENEFICIARY’S CERTIFICATE
To: INVOICE NO.:CS54691
ALDI GROUP COMPANY S/C NO.:HLIP-05128
MINCHINBURY REGION, LOCKED BAG56,L/C NO.:45238/03
ST MARYS DELIVERY CENTRE NSW 2760,AUSTRALIA
WE CERTIFY HEREBY THAT COMMERCIAL INVOICE, PACKING LIST, CERTIFICATE OF ORIGIN GSP CHINA FORM A, FULL SET OF CLEAN ON BOARD OCEAN BILLS OF LOADING, FULL SET OF NEGOTIABLE INSURANCE POLICY WERE SENT DIRECTLYTO APPLICANT BY COURIER AFTER ONE DAY FROM THE TIME OF SHIPMENT.THE RELATIVE COURIER RECEIPT
SHOULD BE REQUIRED FOR PRESENTION.
第五篇:受益人证明书
169,East Shuanggang Road
Xialuo,Nanchang City
Jiangxi Province
China
SHENGXING TRADING COMPANY LIMITEDTel:09-12345678 Fax:02-87654321
To whom it may concern:Re:L/C No.0114347Issuing Bank:Central Bank of NigeriaDated:Nov.15,2013Amount:USD10,200.00Commodity:2000pcs.of Safety Helmet
We hereby certify that one set of complete non-negotiable stipulated
documents has been forward by courier to applicant(CHIT-TIM LTD)
within 5 days of shipment.SHENG XING TRADING CO.,LTD.