【作者】 王刚；

【导师】 刘志坚；

【作者基本信息】 兰州大学 ， 民商法（专业学位）， 2014， 硕士

【摘要】 随着经济的发展,社会的进步和生活方式的改变,人们的理财方式也在悄然变化,已经由银行存储方式慢慢向多种方式改变。家庭结构的变化和社会的快速发展,也使人们对未来缺乏稳定预期,人们更加倾向于对未来的保障和可能发生的意外加以防范。具有理财和保障功能的人身保险正是一个理想的选择,所以近几年来购买保险的家庭越来越多,但问题也随之而来,在婚姻存续期间购买的人身保险,一旦婚姻破裂,那么作为具有很强人身依附性的人身保险该如何处理,我国现行保险法和婚姻法未作明确规定,最高人民法院也未制订司法解释予以规范。这就造成了理论认识上的分歧和司法实践中的混乱。司法实践中,对离婚时人身保险利益的分割主要有两种做法。一是分割所交的保险费,对于人身保险合同,虽然其种类繁多,内容繁杂,但是最好确定的就是所交的保险费,因为这个数额在某个时间是确定的,所以在处理此类问题时分割当事人所交的保险费对法官来说应该是最省事的,而很多当事人也是如此主张的。另一种处理方法是离婚时分割保险单的现金价值,上述两种分割方式,本人认为其存在不合理之处,对于该问题,本文拟结合该类案件中具有代表性的几个案例,针对人身保险涉及的离婚财产分割问题,结合保险法和婚姻法的一般原理、规则加以探讨,以期厘清理论认识,对司法实践有所裨益。以保证我们在立法上和实务上可以更好的保证当事人的合法权益,实现公平正义,使社会更加和谐。更多还原

【Abstract】 Along with economic development, social progress and change in lifestyle, the way of managing money which has been stored by the Bank is quietly change and slow to change in many ways. The rapid changes in family structure, social development, and expectations about the lack of stability in the future have made people more inclined to guarantee for the future and the possibility of accidents prevented. Life insurance contained financing and guarantee function is an ideal choice, so more and more families in recent years want to buy insurance, but the problems also come, buying life insurance during the marriage, once the marriage broken, then will be as a personal insurance with a strong sense of personal dependence, but how to handle it, our country’s existing insurance law and marriage law haven’t given a clear regulations, judicial interpretation of the Supreme People’s Court also hasn’t formulated norms. This causes the differences of theoretical understanding and confusion in judicial practice.In judicial practice, when they are divorcing, there are two main approaches of division to the interests of life insurance, one is to split the premiums. For life insurance contract, although it is complex for its wide varieties and contents, but the best thing to determine is paid cross of premium, because this amounts in a time is assured, so in the process of solving this kind of problems, splitting cross of premium the party paid for the judges is easiest way, and many parties also advocate it by this way, the other solving method is to split cash value of insurance in divorce, for the two kind of ways of splitting, I think they have unreasonable points. For the problem, this paper intends to combine some cases which are representative in this kind of cases, for the problem of property division related to divorce in life insurance, I will analysis by combining with the general principles of insurance law and marriage law, in order to clarify theoretical understanding to benefit judicial practice. On legislation and practice it can ensure us to better guarantee the legal rights and interests of the parties, and achieve fairness and justice, so that it can make the society more harmonious.更多还原