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本文首先分析了保险单现金价值的性质,确认了保险单的现金价值是一种财产。其次,分析了保险单现金价值的权属,保险单现金价值的所有权应归投保人所有。再次,分析了投保人的不丧失保险单现金价值权利。投保人在一般情况下不会丧失对保险单现金价值的所有权,但在特殊情况下也会丧失该权利。最后,分析了保险单现金价值的强制执行问题,现金价值是投保人所拥有的一种财产,人民法院可以强制执行保险单的现金价值,强制执行方式就是退保。
This paper first analyzes the nature of the cash value of the insurance policy and confirms that the cash value of the insurance policy is a kind of property. Secondly, the author analyzes the ownership of the cash value of the insurance policy and the ownership of the cash value of the insurance policy belongs to the policyholder. Thirdly, it analyzes the insurant’s right not to lose the cash value of insurance policy. Under normal circumstances, the insured person will not lose the ownership of the cash value of the insurance policy, but in exceptional circumstances will lose the right. Finally, the author analyzes the enforcement of the cash value of insurance policy. The cash value is a kind of property owned by the insured. The people’s court can enforce the cash value of the insurance policy. The enforcement is the surrender.