If insurance is purchased by one party before marriage, it generally belongs to one party's personal property and cannot be divided when divorced; If * * * uses the real estate to pay the personal insurance premium, it is deemed that * * * uses the real estate to divide. If the beneficiary is the other party, it shall go through the formalities of alteration or dissolution after the divorce is decided or agreed, and the paid fees or refund premiums shall be divided accordingly. The specific division depends on the type of insurance.
Buy insurance before marriage, and pay the premium with the joint property of husband and wife after marriage: In this case, the insurance is not regarded as the joint property of husband and wife, but the premium paid after marriage can be compared with the debt owed by the individual before marriage, so when dividing the premium paid after marriage, the other party does not get the insurance benefit because of paying the premium. According to the relevant laws and regulations, the following property acquired by husband and wife during the marriage relationship is the joint property of husband and wife: salary, bonus and labor remuneration; Income from production, operation and investment; Intellectual property income; Inherited or donated property; Other property that should be owned by * * *. Husband and wife have equal rights to dispose of the same property.