Answer: Of course, it cannot be used to pay off debts
Recently, the related topic of "selling insurance is **" has been spreading on the Internet and among the people, many people say that insurance is a lie, save it, can't take it out, in fact, this is all about the essence of insurance does not understand, and insurance** Insurance refers to an insurance behavior in which the policyholder pays the insurance premium to the insurer, and the insurer needs to bear the responsibility for the insurance money in the event of a possible accident mentioned in the contract, which is also explained in detail in my previous article. So what are the functions of insurance, and let's briefly talk about one of them:Whether insurance can be used to settle debts.
First of all, let's list the relevant legal provisions on whether insurance can be used to settle debts.
1. Article 23 of the Insurance Law stipulates that no unit or individual shall illegally interfere with the insurer's performance of the obligation to compensate or pay insurance money, nor shall it restrict the right of the insured or beneficiary to obtain insurance money.
2. Article 24 of the Insurance Law stipulates that the insurance policy is not subject to seizure and confiscation.
3. Article 43 of the Insurance Law stipulates: "Insurance moneyIt cannot be used as a satisfaction for the insured's debts, not as property for any other purpose. "The main purpose of this provision is to protect the legitimate rights and interests of the insured and ensure that the insurance money can be used for compensation in accordance with the provisions of the insurance contract.
4. Article 61 of the Insurance Law stipulates that:An insurance policy is an undisputed distribution of property
5. The Company Law stipulates thatLife insurance policies are not included in bankruptcy claims
6. The first paragraph of Article 73 of the Contract Law providesLife insurance is not covered by the recovery of debts, the fund account is not troubled by debt disputes. The beneficiary insurance proceeds are not used to offset debts and are exempt from taxation.
7. Article 4 of the Tax Law states that insurance policies do not need to be taxed and cannot be pledged at will.
So what kind of insurance can't be used for debt settlement? The first thing to understand is the classification of insurance, in my previous article.
There is a clear insurance classification in the article How to buy children's insurance, you can go in to find out.
In conclusion, the answer to the question of whether insurance can be used to settle debts is already obviousPersonal protection (such as life insurance, annuity insurance, etc.) cannot be used to repay debtsAnd the law does not support freezing. Why only put forward insurance in the form of life insurance and annuity, because other forms of insurance, such as: short-term accident insurance, property insurance, liability insurance, credit guarantee insurance, although these insurances are not available for debt repayment, but these insurances are consumer insurance rather than protection insurance. Even if it could not be used to settle debts, it was clearly meaningless.
The above are the author's personal opinions, if there are any mistakes, please criticize and correct.
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