司法裁判应尊重保险精算原理——从一起人寿保险案件中保单现金价值的计算方法谈起

Judicial Judgments Should Respect Actuarial Principles——To Begin with the Computing Method of the Cash Value in a Life Insurance Policy

长期人寿保险具有储蓄和投资双重性质,投保人、被保险人以及受益人根据保险合同享有到的所有利益,包括生存保险金、保单红利以及退保时的保险现金价值,均来源于投保人交纳的保费。投保人交纳的保费,根据保险精算原理演绎后,在不同的阶段会有不同的表现形式。作为保险责任的生存保险金和作为退保金的保单现金价值只是保费累积在不同情形下的不同表现形式,二者并非绝对相互独立的关系。司法机关在对保险纠纷案件进行裁判时,尊重保险精算原理,是尊重整个保险共同体利益的体现。

Long-term life insurance policy has the character of both deposit and investment.In such kind of insurance,all the income and interest,including the survival benefit,the bonus and the cash value,assumed by the applicant,the insurant and the beneficiary comes from the premium paid by the applicant.The premium can be embodied in different forms according to the different periods of a policy.The survival benefit is one form of it as well as the cash value.They are not entirely independent.Judicial judgments should respect the actuarial principles and the interests of the whole insurable interest community.