At present, "intergenerational parenting" has become the main parenting style of many families. Some parents became "shopkeepers", and grandparents worked hard for their children's life and education. Insurance experts remind that insurance may not be effective because grandparents lack insurance protection for their grandchildren.
Grandpa Zhang has changed a lot of financial habits since he had a granddaughter. For example, instead of just putting money in the bank, the fund began to invest; I don't trust my granddaughter to be alone at home, so I don't have the patience to queue up. I no longer use the passbook and start to favor the bank card I didn't like before ... After winter came, my granddaughter coughed frequently, and he began to consider insurance: "Can I buy an insurance for my granddaughter?"
Insurance experts say that it is necessary to obtain the consent of the guardian to insure the underage grandson or granddaughter; Insuring an adult grandson or granddaughter requires the consent of the insured. Grandpa Zhang is not the direct guardian of his granddaughter, and there is no direct support relationship. Therefore, his insurance contract as the insured and his granddaughter as the insured must be approved by his parents. Without parents' consent, the validity of the insurance contract will be affected.
In addition, consumers need to be reminded that the insurance law stipulates that a contract with death as the condition for paying insurance benefits is invalid without the consent and approval of the insured. Therefore, when purchasing personal insurance, no matter how close the relationship between the insured and the insured is, such as husband and wife, brothers and sisters, parents, adult children, etc., the insured can't sign on behalf of the insured, but should sign his name where it is needed. (Reporter Xiao Juan)