保险单现金价值（Cash value of an insurance policy）.doc

保险单现金价值（Cash value of an insurance policy） In April 1999, Li in an insurance company to purchase 88 Hongli life insurance, the provisions of the contract year pay insurance premiums 1080 yuan, payment for a period of 20 years, the insurance amount is 20000 yuan, now pay 4 years, a total of 4320 yuan. Due to the economic situation, decided to terminate the contract Li a full refund of the premium is 4320 yuan, and pay overdue, but the insurance company has to answer 88 life insurance cash value table Hongli standard return premium is only 2600 yuan, the two sides dispute. The two sides have no objection to other evidence, on the table for life insurance cash value 88 Hongli (hereinafter referred to as the cash value), although the two sides have provided the evidence, but the plaintiff that part of the cash value table is not the insurance contract, and calculate the standard had no legal basis. The court held that the plaintiff has to pay a premium for four years, in accordance with the relevant provisions of the insurance law in the termination of the contract, the defendant shall refund the cash value of the policy, and shall not deduct the fee; the defendant in insurance policy clearly suggested: the insurance contract by the insurance, insurance clauses, statement, comment and in connection with the contract of insurance with the change of policy application, examination report and other Agreement constitute, clearly the contents of the contract and includes cash value form, and the contract does not explicitly determine the cash value of the cash value table is to terminate the contract, shall be deemed to have not agreed on the standard calculation of cash value table in the insurance contract, the original defendant ambiguity of the policy cash value understanding table, according to the relevant provisions of the insurance law, should be made to the insured in the case A favorable explanation of the plaintiff. Finally, the court upheld the plaintiffs request