10/10/2022
Dapat ba na si ex-fiancรฉ parin yung makakakuha ng life Insurance benefits?
Based sa insurance code
Section 53. The insurance proceeds shall be applied exclusively to the proper interest of the person in whose name or for whose benefit it is made unless otherwise specified in the policy.
So ang pagkakaintindi ko dito is kung sino lang ang nakasulat na beneficiary, exclusive lang sa kanya ang benefits. Hindi pinalitan ang beneficiary kaya sa ex parin mapupunta.
Pero may nagsasabi na "wala naman ng insurable interest eh bakit sa ex parin mapupunta?"
Balik tayo sa insurance code ulit.
Section 19. An interest in property insured must exist when the insurance takes effect, and when the loss occurs, but need not exist in the meantime; and interest in the LIFE or health of a person insured must exist when the insurance takes effect, but NEED NOT exist thereafter or when the loss occurs.
Sa Life insurance, hindi kailangang existing parin ang insurable interest upon claims. Sa umpisa lang needed and during application.
"Eh may anak na ang insured eh. Dapat sa anak mapunta ang benefits,"
Unless ma-disqualify ang mga designated beneficiaries at wala ng ibang listed beneficiaries, saka pa lang magiging part ng estate ang insurance proceeds na mamanahin ng heirs.
Section 12. The interest of a beneficiary in a life insurance policy shall be forfeited when the beneficiary is the principal, accomplice, or accessory in willfully bringing about the death of the insured. In such a case, the share forfeited shall pass on to the other beneficiaries, unless otherwise disqualified. In the absence of other beneficiaries, the proceeds shall be paid in accordance with the policy contract. If the policy contract is silent, the proceeds shall be paid to the estate of the insured.
BAWAL DIN BA NA BENEFICIARY PARIN ANG EX FIANCEE?
Punta naman tayo sa Civil Code
ARTICLE 2012. Any person who is forbidden from receiving any donation under article 739 cannot be named beneficiary of a life insurance policy by the person who cannot make any donation to him, according to said article.
ARTICLE 739. The following donations shall be void:
(1) Those made between persons who were guilty of adultery or concubinage at the time of the donation;
(2) Those made between persons found guilty of the same criminal offense, in consideration thereof;
(3) Those made to a public officer or his wife, descendants and ascendants, by reason of his office.
So may na violate ba na law? Para sakin wala. Hindi naman siya guilty ng adultery. Hindi naman niya pinapatay yung insured. So si ex-fiancรฉe ang may karapatan sa insurance proceeds.
Choice niya kung anong gusto niyang gawin sa pera.
Sa mga may insurance plans, make sure that your beneficiaries are the ones you want to leave money to. Kung nag bago na ang gusto niyo, palitan na.
Sa mga wala pang insurance, pwede kayo sakin kumuha. ๐
CTTO
