人寿保险合同解除权行使中的利益平衡  

Balance of Interest in Exerting Rescission Right of Life Insurance Contract

作　　者：朱晓婷[1] 

机构地区：[1]北京航空航天大学法学院,北京100083

出　　处：《北京航空航天大学学报（社会科学版）》2016年第6期33-39,共7页Journal of Beijing University of Aeronautics and Astronautics：Social Sciences edition Edition

基　　金：中央高校基本科研业务费专项资金资助项目(YWF-14-RSC-044)

摘　　要：寿险保单积累的现金价值决定了此类保单的财产属性,成为投保人解除保险合同的根本动因。保险金权利人的保险合同效力维持利益根源于投保人交纳的保费,经过不断的积累和转化,最终以保险金的形式表现出来。当保险合同订立者与合同利益享有者相分离时,寿险合同解除权的行使与合同效力维持利益的冲突得以显现。此时,应对投保人的法定解除权设置必要的限制:区分寿险合同的类型和解除权行使的期间,确定解除权行使的具体方式,明确特殊情形下的解除权主体,在投保人的意思自治和保险金权利人的合法利益之间寻求合理的平衡点,实现人寿保险互助共济的社会目的。The cash value accumulated in life insurance policy determines the property attributes of such policy,which forms the ultimate cause of removing insurance contracts by applicants. The interests of insurance contracts maintenancefor the holders of insurance benefits rooted in the insurance premium paid by applicants, and eventuallyturn up in the form of insurance money, through the continuous accumulation and transformation. When the personwho conducts the insurance contract and the person who has the right to share contract interests is separated, the conflictionbetween the termination right of insurance contract and the right to maintain the effectiveness will emerge. Atthis point, the response to this conflict is to set up necessary restrictions for the legal rescission right of applicant,which ranges from distinguishing the type of life insurance contract and the time scope of right exercising, ascertainingthe ways of exercising, to making sure the subject in some circumstances. Trough these restrictive measures, the reasonablebalance between the autonomy of applicants and the legitimate interests of holders of insurance benefits will befound. And on this basis the mutual assistance social purpose in life insurance will be realized ultimately.

关 键 词：人寿保险合同 法定解除权 现金价值 合同效力维持利益 利益平衡 

分 类 号：D923[政治法律—民商法学]