关于投保人缺位情形下人身保险合同解除的有关问题

基于人身保险合同的特殊性,在投保人缺位（死亡或者破产）的情形下,保险合同因为被保险人或受益人的利益而继续有效,而此时保险合同的解除权如何行使在我国《保险法》中未作明确规定,这就难免滋生纠纷并影响权益救济。根据各方当事人利益平衡原则,有必要从理论层面上探讨在投保人缺位情形下人身保险合同解除权行使规则,并从投保人和保险人两个角度对如何完善人身保险合同解除具体制度进行设计,提出立法对策和措施。

Discussion to the Termination of the Life Insurance Contract in the Case of the Absence of the Policyholder

As the special nature of life insurance contract,the contract is effective for the insured or the beneficiary＇s interests in the case of the absence of the policyholder（death or bankruptcy）.However,Chinese Insurance Law has not clear clauses to clarify the rights of terminating the contract in this case;it may generate disputes and affect the protection of rights.According to the principle of balancing the interests to all parties,we must discuss the termination rules in the case of the absence of the policyholder on the theory,and design the specific clauses on the perspectives of the policyholder and the insurer to make the law to perfect.