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江苏泰州69岁的刘老汉瞒着家人,花了96万元为小儿子及4个孙辈购买了12份保险。老人原想给子孙们一份惊喜,没想到惊喜变成了“灾难”:12份保险的“被保人”一栏均是“代签名”。而《保险法》规定,以死亡为给付保险金条件的合同,未经被保险人同意并认可保险金额的合同视为无效。当初签合同时,保险业务员明知不可代签名,为何不告诉投保人?刘老汉近100万元的保险费就这么打水漂了吗?
Liu Laoshan, a 69-year-old man from Taizhou, Jiangsu Province, concealed his family from the family and spent 960,000 yuan on 12 insurance items for his youngest son and 4 grandchildren. The old man originally wanted to give their children and grandchildren a surprise, did not expect the surprise turned into a “disaster”: 12 insurance “insured person” column is “generation signature ”. The “Insurance Law” stipulates that the death of the contract to pay the conditions of insurance benefits, without the consent of the insured and recognized the amount of insurance contracts as invalid. When the original contract, the insurance salesman knowingly can not be signed, why not tell the insured? Liu Laohan nearly 1 million yuan in premiums so flushed it?