论文部分内容阅读
消费者申请复效时 ,人寿保险公司是否应当收取复效保费及利息 ?这个问题无论从法律的角度 ,还是从签订合同协议的角度 ,都充分说明收取复效保费及利息有所不妥。目前保险市场很大一部分失效保单 ,都与收取复效保费及利息不当而引发纠纷有关。如果保险公司从复效三日起重新承担保险责任并按被保险人复效时年龄重新确定费率 ,或相应延长交费期 ,不再逆向收取复效期保费及利率 ,可能会扩大市场份额 ,吸引更多的消费者投保人寿保险险种
Whether consumers should apply for repossessed premiums and interest when consumers apply for reemployment? This issue is fully justified in charging the repossessed premiums and interest, both from a legal point of view and from the point of signing a contractual agreement. At present, a large part of the failure insurance policies in the insurance market are all related to disputes arising from the collection of premiums and interest improperly. If the insurance company renews the insurance liability from the third day of the re-engagement and re-determines the age according to the age of the insured person or renews the payment period accordingly, it may expand the market share by no longer adversely charging the premium and the interest rate of the re-entry period , Attracting more consumers to insure life insurance