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寿险保单属典型的财产权,在保险事故发生之前相关权利主要归属投保人,在法律上为民诉法相关司法解释所规定的债权,可被法院强制执行。法院在执行寿险保单时,不得直接要求保险公司解除寿险保单,而应要求投保人解除寿险保单并由保险公司协助扣划保单现金价值。企业为员工购买的寿险保单不得因企业负债而被执行,投保人为被执行人时应允许被保险人或受益人支付对价取得投保人地位。本文同时就保险公司如何应对协助执行寿险保单时可能面临的风险提出了对策。
The life insurance policy is a typical property right. Prior to the insured event, the relevant rights are mainly vested in the policyholders, and the claims that are legally provided for by the relevant judicial interpretations of the Civil Procedure Law can be enforced by the courts. The court may not directly request the insurance company to release the life insurance policy while executing the life insurance policy. Instead, the applicant should request the policyholder to lift the life insurance policy and assist the insurance company to deduct the policy cash value. The life insurance policy purchased by the enterprise for employees shall not be executed due to the enterprise liabilities. When the insurant is the enforcer, the insured person or the beneficiary should be allowed to pay the consideration to obtain the insured status. In the meantime, the paper puts forward some countermeasures on how insurance companies should face the risks they may face in assisting the execution of life insurance policies.