At first, I thought it was a joke played by my friends, but I didn't expect it to be true.
I sincerely want to ask: is it biological ~
Jokes are jokes. Many people think that after the insurance contract is signed, it cannot be changed, but it is not. Although signing an insurance contract is a serious matter, it is not fixed after signing it. So what information can be changed and what cannot be changed, do you know? To sum up briefly:
Basic guarantee information, such as insurance scope, guarantee period, guarantee time, insured, etc. , cannot be changed; If the basic security information is not involved, such as the insured, beneficiary, individual, etc., the basic information can be changed if it is not filled in correctly.
And changing the basic information of the insured, beneficiary and individual. These three situations also basically summarize the information changes in the Life Insurance Contract that we often encounter, and we will explain them clearly.
There are three main contents today:
The basic information of the insured is incorrect. How to change it?
How to change the insurance information?
How to change beneficiary information?
First, how to change personal basic information?
As at the beginning of the article, the careless mother I mentioned filled in the basic information of the child incorrectly. I thought it was an exception, but I didn't know it was a routine operation until I asked the underwriting partner.
Generally speaking, the changes caused by basic information errors are as follows:
The information of the insured's identity card (clerical error), name, etc. is incorrect and needs to be changed;
The age and gender of the insured are untrue, and the change will increase/decrease the premium, but the information should be changed;
Information such as the occupation/home address/telephone number of the insured needs to be changed.
Above, there is a small problem that needs special explanation. Can I change my ID card information just by clerical error? Because the information of the ID card is relatively long, it is easy to make mistakes in the process of filling in. If it is a small clerical error, it can be corrected. But if the whole ID card information is wrong, it is equivalent to changing the insurance and changing the insured. Please refer to the beginning in this case. The information required to change the information is different from insurance company to insurance company, so you still need to ask for the specific information list of different insurance companies.
Second, how to change the information of the insured?
Under what circumstances do you need to change the insured? For example, if there is a problem with the funds of the insured, he wants to change the information of the insured; Or the husband and wife are each other's insured, but they want to change the information of the insured because of the breakdown of the marriage relationship.
As long as the new applicant has an insurable interest in the insured and is willing and able to pay the insurance premium, the insurance contract can be transferred.
However, if it is an insurance contract with death as the payment condition, the applicant can only be changed with the written consent of the insured.
Third, how to change the beneficiary information?
Regarding the important role of beneficiary change, Brother Bao has already introduced it before. Interested children's shoes can be viewed by clicking: How do beneficiaries fill in insurance claims?
The change of beneficiary mainly depends on the wishes of the insured and the insured. Therefore, when the applicant and the insured are not the same person, the application for changing the beneficiary needs the signature of the insured. Of course, the applicant and the insured are the same person, so there is no such trouble.
For example, Liu Tongxue Jr. bought insurance for himself when he was young. The applicant and the insured are both himself, and the beneficiaries are his son and daughter.
In his later years, Lao Liu found his son unfilial and wanted to replace the beneficiary with his daughter. In this case, Lao Liu only provided the corresponding information to the insurance company.
But if Lao Liu is the insured and the insured is his wife, then Lao Liu needs his wife's consent and needs her to sign a written consent to change the beneficiary.
There is also a special situation that it is not allowed to change the beneficiary, that is, when the beneficiary of survival is the insured.
By the way, insurance beneficiaries can be divided into living beneficiaries and deceased beneficiaries. The living beneficiary is the insured himself, and the deceased beneficiary can only get insurance claims if the insured dies.
The beneficiary information list of some insurance companies is like this:
1. Apply for change: you need to take photos after the application is completed, and you need to take photos by hand. The photos are legible (note: the insured takes photos by hand).
2. The front and back of the applicant's ID card
3. The front and back of the insured's ID card
4. Both sides of beneficiary's ID card
5. Proof documents: Proof documents are the proof of the relationship between the beneficiary and the insured (such as household registration book, marriage certificate, etc.). )
Finally, make a table to summarize the materials needed for three basic situations for your reference.
However, it should be reminded that each company requires different materials and lists, so it is best to ask the specific requirements of the insurance company before changing. The following table is for reference only:
After the list information is ready, if it is handled offline, I need to take my ID card to the counter.
But if you buy insurance products online, you can send the information to the insurance company by email, and the rest will wait for the news.
In short, information change is still a very troublesome and cumbersome thing, so apart from some necessary information changes, it is really helpless. When filling in personal basic information, everyone should be careful to avoid future troubles.
abstract
1. After signing the insurance contract, the insurance information can also be changed, but it cannot be changed in terms of the amount insured, the guarantee period and the guarantee time.
If the basic security information is not involved, it is wrong to change the basic information of the insured, beneficiary or individual, and it can be changed.
2. Insurance information change steps: Step 1, ask the insurance company for a specific information list; Step 2, prepare the insurance information list; Step 3: offline buyers need to bring their ID cards to the counter, and online buyers can mail the information to the insurance company.
3. It is troublesome to change information, so in addition to the necessary information changes, everyone should be as careful as possible when filling in personal information to avoid future troubles.