Release date: 2012-09-2915: 32: 38

"Chatting with basin friends over the weekend mentioned this marriage insurance, which seems incomprehensible. What does marriage insurance mean? If you buy marriage insurance, will marriage be guaranteed? " Netizen Xiao Wang is full of doubts about marriage insurance?

Marriage insurance aims at encouraging lasting marriages. Marriage insurance "assumes that the husband and wife eventually divorce", otherwise it will be subsidized into the insurance money. The longer the marriage lasts, the more insurance "compensation" can be obtained according to regulations.

China Ping An, Taikang Life Insurance, Anbang and other insurance companies have all introduced "marriage and love insurance" with similar concepts, but in fact, most of them are comprehensive insurance plans bundled by husband and wife, and the insurance coverage includes accident or illness death protection, accidental disability protection and so on. But they can't really guarantee marriage or compensate for the loss of divorce.

Many countries have them, but they are all different:

UK: Love Insurance Company

The love insurance company stipulates that all married couples can buy love insurance. In Britain, each couple can enjoy love insurance by paying only 5 pounds a month. About 20% of newlyweds will take out this kind of love insurance, and about 60% will take this kind of love insurance as an important choice for family financial management.

Specific insurance content: from the date of insurance, couples who have lived in harmony for 25 years can get 5,000 pounds of insurance money; If one of the spouses dies during the insurance period or for other reasons, the widow can also receive a pension of 1000; If the insured husband and wife are not in harmony and the company fails to mediate and divorce, the abandoned party can get 3000 pounds of insurance money.

United States: labor division contract

Marriage insurance in the United States is more like a property sharing guarantee contract, which guarantees that you can get a share of the property listed in the policy when you divorce. This policy lists the distribution of property and alimony according to the actual property of both husband and wife. If both parties really want to divorce, they will fulfill the division of labor contract. If they can't perform the contract because of accidents within the scope of insurance liability, the insurance company will compensate them and will not bring a lawsuit. And it can be stipulated in the insurance that the party whose marriage breaks down due to extramarital affairs will be punished in terms of property distribution, and those who like the new and hate the old will pay the price for their actions.

Sweden: Married for 25 years, here it is.

Married men and women who participate in insurance pay a certain amount of insurance premium every year. By the 25th wedding anniversary, the insurance company will give the insured couple a considerable premium at one time. During this period, if one spouse dies, the other spouse can also receive a certain amount of old-age insurance.

Russia: statutory compulsory insurance

The Russian (former Soviet Union) government promulgated the Marriage Insurance Regulations in 1976, stipulating that all parents (adoptive parents) and guardians who meet the requirements of the insured should take out marriage insurance for their sons aged 2 to 15, so as to ensure that the insured can receive marriage insurance money when they get married after reaching the legal age of marriage. This is statutory compulsory insurance.

Korea: There is insurance before and after marriage.

Love insurance has a history of about 20 years in Korea. The policies developed and sold by matchmaking and wedding companies and insurance companies are divided into pre-marital and post-marital love insurance. Pre-marital love insurance is based on whether lovers finally get married or not. If both parties finally get married, the insurance company will pay a certain amount of insurance money, otherwise it will not pay insurance money. Marriage and love insurance is based on the existence of marriage. When the marriage lasts for a certain number of years, the insurance company pays the insurance money on the important wedding anniversary, and the marriage is interrupted.

At present, some domestic companies have introduced "marriage insurance", but the effect is relatively simple. It's just a hype about getting married. The specific product is actually ordinary annuity dividend insurance or critical illness insurance, but it is stipulated in the contract that this insurance does not belong to both husband and wife when divorce property is divided. Moreover, most of the insured are limited to women, which is a hype after the revision of the marriage law. In fact, it is far from foreign marriage preservation.

The biggest feature of marriage insurance in Hong Kong is that the coverage is quite extensive and the content is very detailed. If the wedding is cancelled due to natural and man-made disasters, or the wedding venue is suddenly changed, or even the honeymoon holiday is temporarily cancelled, the insurance company will compensate according to the regulations. As long as it is specified in advance, the groom-to-be or bride-to-be can be insured if they break off their marriage because of a temporary dispute over pre-marital phobia.

Marriage insurance Marriage insurance in the United States is actually a division of labor contract. Many insurance companies in the United States clearly remind men and women who love each other about marriage. If they don't want to define their property rights and responsibilities in the form of contracts, in case their feelings change in the future, it will be troublesome to go to court to ask for property division. Therefore, their marriage insurance is more like a property division guarantee contract, which guarantees that you can get a share of the property listed in the policy when you divorce. The policy will list the distribution of property and the amount of alimony in the future divorce according to the actual property of the husband and wife.

When divorced, the labor division contract will be fulfilled. If the contract cannot be performed due to accidents within the scope of insurance liability, the insurance company will be responsible for compensation. Moreover, it can be stipulated in the contract that in terms of property distribution, the party who engages in extramarital affairs will be punished, and those who like the new and hate the old will pay the price. From this point of view, American marriage insurance is mainly to protect people's freedom of divorce, that is, to reduce the cost and risk of divorce, which is in line with their national consciousness of emphasizing freedom. In addition to the guaranteed "responsibilities", insurance companies have also replaced the role of lawyers.

Advantages and disadvantages of marriage insurance;

superiority

Marriage insurance Under normal circumstances, if the insurance products purchased by husband and wife after marriage are terminated, the policy should belong to "the husband and wife have property". Even if both the applicant and the insured are wives, the policy will be divided because "the husband and wife have property". However, this kind of insurance requires only women as the insured, and all relevant survival interests also belong to women. In the case of divorce, the surrender money is no longer divided as the joint property of husband and wife, but only belongs to the woman. This originality coincides with the psychological expectation of some women after the introduction of the new marriage law.

disadvantaged

In China's domestic insurance market, there are many cases of selling conventional insurance products in the name of love insurance, but there are no insurance products that really encourage couples to continue their marriage.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.