A few days ago, a fire broke out in a residential house on Tongfu Middle Road, Haizhu District, Guangzhou City. Four members of a family died in the fire, including the head of the household, the head of the household's daughter, the head of the household's son-in-law, and the head of the household's grandson who was less than 3 years old. After AIA received the report, it was confirmed that the daughter, son-in-law and grandson of the head of the household were AIA’s customers (insureds) for many years and held multiple insurance policies. AIA made a claim settlement decision of 380,000 yuan. However, if the three beneficiaries on the policy (the head of the household, the head of the household’s daughter, and the grandson) and the insured are all killed in the same accident, who should the compensation be paid to? Recommended reading: China Life was forced to sign a contract with the world's most expensive woman to insure her leg for 1 billion. The victim will receive 200,000 in insurance compensation. The father reversed his car and killed his young son. The insurance refused to pay. Huijin increased its holdings of insurance stocks for the first time, leading to speculation that it would not pay social security. : Little cleverness hides big risks. A 4.9 million luxury car crashed and cost 2.73 million in repair costs. Assuming that the order of death of the beneficiary and the insured cannot be determined, then according to the relevant provisions of the Insurance Law, it will be presumed that the beneficiary died first, and the insurance money will be regarded as the inheritance of the insured. , collected by the insured’s heirs. According to the "Succession Law", the first order of heirs is: spouse, children, and parents; the second order: brothers and sisters, grandparents, and maternal grandparents. The first-order heir shall inherit first. If there is no first-order heir, the second-order heir shall inherit. For the above-mentioned claims cases, legal experts have analyzed that according to the current situation, assuming that the final judicial institution cannot determine the order of death of the deceased, then the insurance money as the inheritance of the grandson of the head of the household will be inherited by his second-order heirs. Currently, it shows that his maternal grandparents They are all gone, and there are still doubts about who will inherit them. The insurance money for the estate of the son-in-law of the head of the household will be inherited by his mother who is still alive; and the insurance money for the estate of the daughter of the head of the household currently shows that all of his first-order heirs are no longer alive, so it will be inherited by the second-order heirs. The above inheritance relationship is only based on the analysis of the current situation. In the end, a notarized certificate of inheritance rights issued by a notary office is required as the basis for claim settlement. There have been cases in society where the insurance beneficiary and the insured died at the same time, and many heirs eventually resorted to legal action to seek resolution. It is understood that after the family members of the victims apply for the death certificate and then apply for the notarization of inheritance rights at the notary office, AIA will determine the payee based on the notarization of inheritance rights and then make the payment.

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