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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。
If the life insurance of the installment payment is terminated due to the payment of the premium, it will be of no avail to both parties, and the practice of world insurance will solve this problem without losing the choice of value system. The system of not losing the choice of value should be structured hierarchically according to the stipulation and the statutory stipulation. The convention in our country does not lose the choice of value system including automatic advance payment clause, deduction clause and policy conversion clause, all of which have defects To be perfect. In order to make up for the blank of this law, our country’s insurance law should stipulate that the installment life insurance with the cash value accumulated should be the insurance premium paid by the insured or the insured after the second installment, And the insured or the insured fails to make a decision on the treatment of the cash value after the grace period of the contract has expired, the insurer shall pay the reduced-sum insurance premium at a single cash premium.