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在美国,人寿保险实质上是投保生命危险者之死亡作出一定赔偿的合同.涉及到人寿保险单的特点包括(1)保险单的持有者.持有者有权指定或更换受益人(在某种条件下),有权转让保险单,有权把退保值兑为现金,或在争取贷款时把它作为附属担保品.持有者还有交付保险费的职责;(2)把生命作为保险单客体的人;(3)被付给保险金的受益人.人寿保险有各种分类,最为常见的有:1、终生人寿保险终生人寿保险的保险范围是承保被保人的终生,保险金在被保人死亡时付给.按照这种方式,被付给的最高额保险金象死亡本身一样确凿.如果被保人取消或因无力交付保险费而终止保险,保险金可以选择“退保值兑现” 的形式付给.退保值兑现一般可以在保险单生效两三年之后和被保人死亡之前的任何时间里有效.从积聚退保值兑现和确定某种形式为最高限度的赔偿来看,终生人寿保险含有一个基本的要素:投资和保险.
In the United States, life insurance is essentially a contract that compensates for the death of a life-threatening person, and covers the following aspects of a life insurance policy: (1) the owner of the policy, the holder of which has the right to designate or replace the beneficiary Under certain conditions), the right to transfer the insurance policy, the right to cash the surrender value in cash or collateral as a collateral for the loan, and the obligation to pay insurance premiums; (2) (3) The beneficiaries who are paid for the insurance There are various categories of life insurance, the most common are: 1, Lifetime Life Insurance Lifetime Life Insurance coverage is the life of the insured person, insurance Gold is paid at the death of the insured person, and in this way the maximum premium paid is as exact as the death itself.If the insured person cancels or fails to deliver the premium, the insurance money may be chosen to "retire Redemption Reimbursement is generally effective after two or three years from the entry into force of the Policy and at any time prior to the death of the Insured Person. From the point of accumulation of surrender values and the determination of some form of maximum compensation Life-long life insurance It contains a basic elements: investment and insurance.