<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMOoJEPEFXybrA7DgO9ia3xribIoP6ekcFh7pic5cNX4UsbyzS3BCqQLjObI6klajZTWdSjaVibXAUEiag%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMOoJEPEFXybrA7DgO9ia3xribIoP6ekcFh7pic5cNX4UsbyzS3BCqQLjObI6klajZTWdSjaVibXAUEiag/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天保姑来聊聊保单受益人问题。</span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">很多人买保险的时候为了方便，受益人没有指定清楚，默认选择法定。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">其实这样很危险。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">保姑今天全面跟大家讲下法定和指定的差别。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我有个朋友买了200万的增额终身寿险，这个钱40多年后会增值变成1000万。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以这个保单的受益人，他非常慎重。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果选择法定，<strong>法定继承的分配</strong>可能会很复杂。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我国的法定继承顺序是：</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: justify; color: rgb(33, 89, 103)">第一顺位：配偶、子女和父母；</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="text-align: justify; color: rgb(33, 89, 103)">第二顺位：兄弟姐妹、祖父母、外祖父母。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">注意，子女包括婚生子女、非婚生子女、养子女和有抚养关系的继子女；</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">父母，包括生父母、养父母和有抚养关系的继父母；</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">兄弟姐妹，包括同父母的兄弟姐妹、同父异母或者同母异父的兄弟姐妹、养兄弟姐妹、有扶养关系的继兄弟姐妹。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这个涉及的人就可能很多。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">几年前，有一个著名的《杭州独生子女小丽继承房产案》。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">独生子女小丽的父亲去世，留了一套价值几百万的房子，</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">本来房子应该是<strong>小丽和奶奶</strong>共同继承，但在办理继承前，小丽的奶奶也不幸去世。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">导致房产又分别属于小丽的大伯、二伯、姑姑等人<em>（源自奶奶的遗产）</em>。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">保险也是一样，申请理赔时，通常可能涉及父母、配偶、子女等五个人。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果被保险人身故到理赔申请期间发生其他意外因素，又会卷进更多的人，</span><span style="color: rgb(51, 51, 51); text-align: justify">导致保险理赔变得困难。</span></section><section style="text-align: left"><p><br /></p><span style="color: rgb(51, 51, 51); text-align: justify"></span><span style="color: rgb(51, 51, 51); text-align: justify">因为按照规定，即使放弃理赔金，以上参与法定继承的人员也必须书面填写相关声明。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">还必须提供全体合法继承人的一系列证明文件：比如身份证、户口簿、亲属关系证明、婚姻状况证明和遗留的财产证明等…</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">简直太麻烦了。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果不是原配家庭，赶上未成年孙子辈代位继承，还可能还要联系已故儿子的前妻之类，那场面就更尴尬了。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">而且民法典还有规定，除了父母、配偶、子女外，第一顺位继承人还有可能是尽了主要赡养义务的丧偶儿媳、女婿，以及子女的遗孤。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">到了第二顺位继承，那就是更大的混乱，因为第二顺位继承人不仅涉及兄弟姐妹，还会涉及已故兄弟姐妹的子女。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">但所有这些麻烦，都可以通过指定受益人解决。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">一旦受益人被指定，如果被保人去世了，由指定受益人直接领取保险金即可。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这样不但牵扯的人少，而且还可以做到<strong>定向传承</strong>，</span><span style="color: rgb(51, 51, 51); text-align: justify">把保险金</span><span style="color: rgb(51, 51, 51); text-align: justify">留给</span><span style="color: rgb(51, 51, 51); text-align: justify">自己想留</span><span style="color: rgb(51, 51, 51); text-align: justify">的人。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">当然，一般来说，投保的时候我们可以先选择法定，等后来自己确认好想指定给谁受益的时候再变更，受益人都是随时可以变更的。</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">都搞清楚了吗？</span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我是保姑，遇到保险问题的时候可以找我，保姑帮你一起解决问题。</span></section><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><br /></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section>
