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1.If draw money item is,reimburse insurance cost, not cost of money, time-expired insurance cost, pay insurance cost beforehand, criterion payee is policy-holder or its precatory takes the place of get a person; If draw money item pays to be sure to give completely, criterion the insurance gold beneficiary beneficiary that payee agrees for the contract or its precatory are acting get a person.
假如领款事项为退还保费、现金价值、未满期保费、预交保费、则领款人为投保人或其委托的代领人;假如领款事项为保险全给付,则领款人为合同约定的保险金受益人或其委托的代领人。收藏指正
2.Generally speaking, offer the product that the risk ensures only, suit the person with inferior income to buy, if insurance against death, person is accident,injury insurance, disease, medical treatment is sure to wait, because do not have time-expired live to pay or annuity gives pay, require the insurance cost with less pay only, can obtain bigger risk safeguard.
一般来说,只提供风险保障的产品,适合收入较低的人购买,如死亡保险、人身意外伤害保险、疾病、医疗保险等,因为没有满期生存给付或年金给付,只需缴纳较少的保费,就可以获得较大的风险保障。收藏指正
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