Xiaowei said:
's recent insurance film "The Beneficiary" is very popular. There is a lot of insurance knowledge in the movie. Xiaowei specially invited Baogege to help analyze it~ What are the details of the insurance purchase process at
You can add Gege’s assistant Xiaoshuo’s WeChat: Tgss03, let her help you solve all kinds of weird doubts~ A fan of
once asked Gege: Isn’t it enough to buy insurance? Why do you have to get married to buy for each other, so troublesome.
Grid wants to say: dear, you think simple insurance, and simple minds.
Some lawbreakers take a fancy to the "high leverage" feature of insurance, and try to get rich overnight and make money quickly through insurance.
Therefore, we often see various and frenzied insurance fraud cases in the media. The movie "Beneficiary" also tells such a story.
Let's talk about the insurance knowledge in the film that makes people think about it with the movie plot. (Slightly spoiler, please pay attention) The
glasses man embezzled millions of public funds and must try to fill in this hole;
Dapeng's child is sick and needs a lot of money for treatment.
Two men who are short of money plan to use fraudulent insurance to quickly gain income. How does
cheat? Lie to whom?
They looked for anchor Liu Yan, and all sorts of ingratiating and approaching, just to marry her.
then bought her a huge amount of insurance, as the beneficiary, killed Liu Yan and got a huge amount of compensation.
They stepped on where they planned and how they killed Liu Yan, and they even colluded with the police afterwards, but the plan failed in the end.
After all, no matter how ruthless the plan is, the heart is always warm.
1. Why marry Liu Yan?
Everyone knows the motives of these two men, killing Liu Yan and getting a high insurance premium. Then why marry her? Is
coveting her beauty?
No, it is to generate "insurable benefits".
If you want to buy insurance for a stranger, you cannot buy it, and there is no insurable interest.
Even if the grandfather insures his grandson across generations, it will be quite troublesome. It is easy to buy it for his immediate relatives (children, parents, partners).
If everyone can buy insurance for strangers, there will be a lot of moral hazard.
In order to prevent the behavior of gaining insurance benefits by hurting others, it is stipulated that insurance can only be bought for those who have insurable benefits.
Liu Yan is an anchor in the play. In order to get close to her and generate trust, the two spent a lot of money just to give gifts, showing love and flattering. The plot of
, thinking about it now, is quite scary.
You think that others want to fall in love with you, so he just wants you to fall into the river accidentally;
You think he wants to work with you to grow his head, but he only wants your item.
The heart is separated from the belly, who can tell the truth and falsehood?
2, why buy accident insurance?
There are many types of insurance, and each type has corresponding responsibilities. The purpose of
is to quickly get huge claims in a short time, so when choosing insurance, they are looking for those with low payment, high sum assured and short waiting period.
So accident insurance became their first choice.
A few tens of hundreds of dollars can be insured to millions, and the insurance will be effective the next day after buying the insurance. Tens of millions of insured can be achieved by paying thousands of dollars. Simple and suitable. The two of
regard fraudulent insurance as a project to get rich quickly, regard the pursuit of Liu Yan as investment, and the huge claims as income.
In this project, the income is certain, and of course the less investment the better.
So they didn't buy Liu Yan's critical illness insurance, nor did they buy hospital care, and they didn't have millions of medical treatments. Some were only covered by a high amount of death protection. As long as she died accidentally, she could meet the conditions for compensation.
Human nature cannot stand the test.
When faced with thousands of numbers, the devil is tempted in his ears: Do it, right away, the money is yours.
3. The key link: Set yourself as a recipientBeneficiary
Insurance beneficiary refers to the person who can enjoy insurance claims when the agreed conditions are reached or the insured is at risk. If buying insurance is an investment, the beneficiary is the only one who can enjoy the benefits.
Insurance beneficiaries are generally designated. For example, in the play Dapeng bought Liu Yan accident insurance, Dapeng is the insured (the person who pays the premium), Liu Yan is the insured (the person enjoying the protection), and Dapeng is also the beneficiary (The person receiving the compensation).
If Dapeng did not designate a beneficiary when buying insurance.
If Liu Yan dies unexpectedly, the money will be used as an inheritance and divided equally among her husband (Dapeng), Liu Yan's parents, and children (not yet).
does not have a beneficiary. With an insurance coverage of 10 million, Dapeng can only receive 3 million.
If you set yourself as a beneficiary, you will have an exclusive claim of 10 million.
This is also the origin of the movie title. There is such a scene in the
play. Liu Yan asked Dapeng: You are the beneficiary. If I die, you will develop, right?
The sixth sense of a woman is still very accurate.
4. Liu Yan must sign it in person.
We and our family have insurable interests. Can we buy an insurance for each other without their knowledge? The answer to
is no good. Such unexpected surprises simply do not hold.
If the insured wants to buy an insurance for the insured, he must obtain the consent of the insured and authorize it by signing.
So there is also a plot in which Dapeng asked Liu Yan to sign. The signature loop of
is very rigorous, typos, homophones, alterations, and too random are not acceptable.
Yue Yue Miaomiao, played by Liu Yan, only signed two characters Yue Miao, which is not enough, so Dapeng will help him to add.
Of course, if Liu Yan is killed and his signature is found to be faked during the investigation, the contract is also invalid and no compensation can be obtained.
Grid reminds everyone: If you want to secretly buy an insurance for your lover and sign on his behalf without the other party’s knowledge, this insurance policy is invalid.
can create surprises, but if you don’t understand insurance knowledge, you are prone to accidents. Remember.
Finally, this plan failed.
Because of Dapeng's temporary remorse, he was unwilling to get the money by hurting an innocent girl.
His original intention was to harm others and defraud, but in the process of contact with Liu Yan, he has slowly fallen in love with her. That's why
has that slogan: I really lie to you, and I really love you. The world of
is cruel, risks are everywhere, people who harm others and benefit themselves, and unexpected things may be at the next intersection.
But even so, I hope everyone is full of hope and kindness in this world.
In the eyes of lawbreakers, insurance is a fast-paying business;
, but in the eyes of a lover, he is a gift that can only be bought by people around him, to make up for losses at critical moments, and embody love and responsibility.
When Dapeng promoted this film, he said a piece of love and love about insurance: I am the insured, and you are the beneficiary, which is better than each other.
has a kind of love called: please be my beneficiary.
Do you have your own beneficiaries?
