人寿保险不丧失价值选择制度之构建

The system construction of non- forfeiture benefit option in life insurance

分期付款之人寿保险,若因保费欠缴而解除合同,对双方当事人均无好处,世界保险实践以不丧失价值选择制度解决这一问题。不丧失价值选择制度应以约定与法定两种形式分层建构,我国实践中的约定不丧失价值选择制度包括自动垫交条款、减额缴清条款和保单转换条款三种,但均存在缺陷需要加以完善。法定不丧失价值选择制度则是我国的法律空白,为了弥补这一法律空白,我国保险法宜规定,积存有现金价值之分期付款人寿保险,如投保人或被保险人欠缴次期以后之保险费,且投保人或被保险人于该合同宽限期结束后未对现金价值处理作出选择时,保险人应以现金价值趸交保费给予减额缴清保险。

It is not good for both insurer and insured, if installment payment life insurance contract is canceled by unpaid premium. This problem was solved through the system of non - forfeiture benefit option in many countries. The system should be divided into agreed system and legal system. Agreed non - forfeiture benefit option include automatic premium loan provision, reduced paid - up provision, and policy transformation provision in China＇s practice. There are some defects in these provisions need to be improved. Legal non - forfeiture benefit option is a blank in Chinese law. Non - forfeiture benefit option should be stipulated in insurance law. The installment payment life insurance with cash value should be con- vert to legal reduced paidup insurance, if insured failed to pay premtum after second phase and wast to choice the ways to handle case value.