论现阶段我国人寿保险信托制度的建立与发展-保险学专业论文.docxVIP

Abstract With the on-going of social progress, the increasing uncertainties involved in both work and daily life, more and more people are becoming aware of the importance of insurance. Through the insurance system, insecurity and uncertainty can be diversified effectively. However, is the purchase of high value insurance alone enough to put all the buyers’ worries aside? The answer is no. For those minors or who have no civil act capacity or restricted civil-act capacity, their families bought life insurance, and when certain accidents happen , even if insurance companies pay the amount of claims on time, the beneficiary may not fully enjoy the insurance benefits. Not only the case, family disputes, custody battles, and other social problems can also be aroused. It would appear that life insurance can indeed make economic compensation to the unfortunate family, but it can not guarantee that the rights and interests of beneficiaries can be protected in accordance with the policy holders . Life insurance trust, a financial product arising from the integration of insurance and trsut, can solve the above problem. The article, altogether are divided into 4 parts to introduce the establishment and development of life insurance trust system at present time in China. 1．Life insurance trust system principle Life insurance trust, also known as insurance trust, is a financial product combined of insurance and trust services. In life insurance trust system, the payment offered by the insurer is seem as trust property. The client (in this case the client is often based on their own for the insured, their children For the establishment of the beneficiaries of life insurance policyholders of the contract, and has been insured and the insurers dual role, referred to collectively as a client) and the trust sign a insurance trust contract.When the related accident or insurance expire Payment occurs, the insurance indemnity or insurance companies will 1 deliver the payment