Several Problems Insurable Interest In Life Insurance Contracts

Human beings in the process of maintain its survival and development, theever-present face various risks from nature and human beings. The former, such asfloods, hail, typhoon, earthquake and other natural disasters, the latter such as theft,murder, disease, accident harm, unfortunate events. Disasters and event such event, willcause a great loss to human life, health and property interest. Insurance system wasoriginated in the human’s need for various kinds of disaster risk prevention. With thecontinuous development of market economy in our country, and prosperity, insurance asa risk aversion and transfer mechanism in the maintenance of people’s life stability hasplayed a positive role. The insurance interest is insurance system in the core and soul, itis mature and perfect relationship to the development and perfect the insurance systemin our country. Throughout the entire system of insurance, property insurance accountedfor the entire system of large space, and research more focused on the insurance interest.But the studies of insurance interest in life insurance is relatively small. At the sametime, the existing research results for the insurance interest is applicable and how toapply in person insurance contract and other issues have not formed a consistent view.Refer to international insurance law comparative analysis, this paper from continentalsystem and Anglo-American law system about the origin and theory basis of insurableinterest, then analysis the pros and cons of these, the good and rejecting the bad.Through theoretical analysis, the regulation of insurance law in China to find the lack oflaw in our country, and absorb the foreign laws to perfect complement, make its more toadapt to changes in the continuous development of our country’s economy and society.This article is divided into three chapters,the first chapter briefly describes the basic theory of the interests of the person insurance contract of insurance.In three casesfor start, in this paper to analyze the case which has insurable interest.Definition and theconnotation of the insurance interest theory divergence comparative analysis.Thesecond chapter is about the interests of the insurance contract in insurance. Including theprinciple of foreign and domestic, and analysis of different;In person insurance contractof insurance interest the scope and duration of the effect of article points。Finallycombining with legal practice of insurable interest in the person insurance contract onthe research.