The beneficiary of survival and the insured are not the same person. Will the beneficiary inform the insured by SMS when he gets the survival money? Ping an insurance.

The beneficiary of survival and the insured are not the same person. Will the beneficiary inform the insured by SMS when he gets the survival money? Ping an insurance.

When the insured receives the survival annuity, it is generally not notified to the insured, which is the rights and interests of the insured.

Survival beneficiary refers to "survival insurance beneficiary". In some insurances, there are two kinds of beneficiaries: survival fund beneficiaries and death beneficiaries. The beneficiary of the subsistence allowance refers to the insured (the insured can be designated as his parents when he is a minor). The beneficiary of death can be his own relative or a designated one. It means: if during the insurance period, the insured's interests arising from insurance belong to the insured when the insured is alive, and the insured interests arising from the insured's death belong to the deceased beneficiary.

Survival insurance refers to life insurance with the survival of the insured as the condition of paying insurance money. Survival insurance has a strong saving function. When the insurance expires or reaches the age agreed in the contract, the insured is still alive and the insurer is responsible for paying the insurance money. In addition to the general term survival insurance, such as children's education insurance and marriage insurance, the main type of survival insurance is annuity insurance. Survival insurance is different from death insurance, and the payment of insurance money is based on survival. The original survival insurance produced many types of insurance, because once the insured died, the premium was paid to the insurance company for free, which led to insurance problems.

Survival payment collection process:

1, which is directly related to the bank account: basically, customers receive the survival fund in the form of bank automatic transfer. The insured can make an agreement with the insurance company in advance to automatically transfer the survival fund to the designated bank account, and then there is no need to go to the insurance company for formalities. For example, most insurance companies such as Ping An, Taikang and China Life can handle this business.

2. Generally, you can bring your household registration book, ID card and insurance policy. (You need to wear a mask in a special period) It should be noted that eligible recipients of subsistence allowances are the living beneficiaries of the policy. If the surviving beneficiary is a minor, his legal guardian may collect it on his behalf.

3. Call the insurance company's customer service phone: customers can also call the insurance company's national unified customer service phone, contact the policy salesman or directly go to the insurance company's customer service counter for consultation.

4. Most life insurance products such as universal insurance, dividend insurance and annuity insurance have the function of returning survival money. The calculation method of survival money for different products is different, some are calculated and returned according to nine to twelve points of the insured amount, and some are returned together according to the total premium paid.

5. Supplement: Survival insurance money refers to the insurance money paid by the insurance company to the policy survival beneficiary according to the contract when the insured is still alive after the agreed date within the validity period of the insurance contract, which is the additional fixed income obtained by the insured in addition to the policy guarantee.