It is not complicated to change the policy holder (Shinhan Life Insurance, Hyundai Marine & Fire Insurance)
The contract of insurance is divided between the policyholder and the insured. Depending on who the insured and the main contractor are, it also determines who receives the insurance money. In addition, the policy holder is not fixed and can be changed at any time, so it is good to know how to change the policy holder.
1. Who will receive the insurance money?
The reason why you buy insurance is to invest in case of what will happen later and to solve the future through insurance money later. But the most important thing is who receives this insurance money. Usually, at the time of the contract, it is decided who will receive the insurance money. If you do not designate a specific beneficiary, who will receive it?
1) Death insurance money: If the insured person (the person signing the contract) dies, the legal heirs will receive it. 보험계약자 변경
– 1st priority: spouse or children / 2nd priority: parents / 3rd priority: brothers and sisters 좋은뉴스
2) General insurance money: The insurance money for diagnosis, surgery, and hospitalization is received by the insured.
3) Maturity insurance: The principal policyholder receives the maturity insurance money received when the insurance purchased is due or the refund money that comes out when the contract is canceled in the middle
Since the above is a general case, the recipient may vary depending on the insurance. In addition, it does not matter who pays the premium, regardless of who receives the insurance money. Instead, insurance cancellation refunds and insurance loans can only be done by the policyholder, so who the policyholder is is also important, and when you have to change the policyholder, it happens a lot depending on the situation.
2. How to change the policyholder
In the past, insurance policyholder changes were carried out by insurance staff who conducted consulting and contracts with only an ID card and a certificate of family relationship.
insurance-contract
Contractor change
It will be different for each insurance company, but basically, it is good for the current contractor, the main contractor, and the insured to go together, and most importantly, people’s papers before and after changing the policy holder are important. If one of the contractors before and after the change cannot go, the seal of the non-visitor and the certificate of seal impression must be submitted.
In addition, all proof documents must be prepared within the last 3 months and documents showing up to the last digit of the social security number. Lastly, even if the seal or seal certificate of the non-visited contractor is submitted, the insurance company must send a confirmation call to the party in order to change the main policyholder.
Recently, the policy holder was changed, and the insurance company was Shinhan Life Insurance and Hyundai Marine & Fire Insurance. The best thing was that the parties changed it when they brought their ID, but since the parties were in one place, the insurance company took care of it and the processing time was fast.
In the past, it was possible by phone without going to the insurance branch you signed up for, but due to this, insurance damage cases are increasing, so you have to go to the insurance company directly and change the policyholder according to the Metal Act. If you take the time to go, it is possible to proceed sufficiently, and if you are uneasy, contact the customer center of the insurance company and they will kindly let you know.
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