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人寿保险合同是一种特殊的保险合同,具有人身保障和储蓄性的特点。在实务中,一旦作为债务人的投保人进入执行程序,人民法院往往要求保险人协助执行保险费或保单现金价值。如果保险人配合执行并解除合同,可能面临违约的风险,如果不配合执行,则可能面临处罚。本文通过对具体案件的评析,结合保险合同的法律性质,探讨执行人寿保单的保险费和现金价值的法律问题。
Life insurance contract is a special kind of insurance contract with the characteristics of personal security and savings. In practice, the people’s courts often require the insurer to assist in the implementation of premiums or policy cash values once the insurer, who is the debtor, enters the enforcement process. If the insurer cooperates with the execution and terminates the contract, he may face the risk of default and may face penalties if it is not implemented. Through the analysis of specific cases and the legal nature of insurance contracts, this article explores the legal issues concerning premiums and cash value of life insurance policies.