For the insurance purchased during the marriage, the insurance premium belongs to the same property. But insurance is different from other property, so it is not convenient to divide it. Therefore, at the time of divorce, you need to replace the insured (if the insured is a spouse, you don't need to change) and give the other party corresponding compensation, which is generally half of the premium paid! This is not the same as insurance. Insurance money is the money that the insurance company compensates the insured or beneficiary, which belongs to one party's property, not the same property of husband and wife. No matter what kind of insurance, it can't be divided into property! This is also a major function of insurance-legal transfer of assets! It can also be given to children, and no one can take it away, and there is no need for tax money. The benefits of insurance are inseparable. The dividend metal belongs to the insured and the survival metal belongs to the beneficiary. So there is no division of property. It will be clearly written in the contract. The benefits of insurance are inseparable, and the dividend metal belongs to the insured. After a hundred years, the survival metal belongs to the insured. This is also a major function of insurance-legal transfer of assets! The insured is a dividend-sharing financial insurance invested by both husband and wife with property. The insured and the beneficiary are the same person. After divorce, the property belongs to both husband and wife. Do you have any property? In general insurance, if divorced, the policy will be treated as the joint property of husband and wife. If you choose to surrender, the cash value of the policy will be divided, and some will ask half of the premium to compensate the other half. It depends on the judgment of local lawyers and courts, and other benefits of the policy belong to the insured. The first marriage insurance in newly listed countries, Red Rose, is stipulated in the form of contract. No matter whether it is divorce and surrender or the policy continues to be paid, all the benefits of the policy belong to the insured, and the insured can only be a woman. Therefore, to some extent, it greatly protects women's rights and interests, increases the cost of divorce, and also restricts the impulse of divorce to some extent. Insurance does not belong to the joint property of husband and wife. According to the provisions of the insurance contract, the insured and the beneficiary can only obtain insurance rights. If you are a lesbian, you can consider buying the first domestic love and marriage insurance for women, the first domestic marriage insurance to encourage couples to be happy for a long time, the first domestic exclusive marriage insurance for women, and the first domestic exclusive insurance for women to solve all-round and comprehensive protection for women's pension, security, serious illness, light illness, financial management, outpatient service and exemption. The insurance policy belongs to the individual property, the insured and the beneficiary. After divorce, the insurable interest is who the insured and the beneficiary are. If the insurance is insured by the designated beneficiary, the benefit is still tax-free. If both the applicant and the insured are the same person, this order belongs to the insured; If the applicant and the insured are not the same person, the applicant can surrender the insured high-priced bills after marriage, and the bills need to be signed and confirmed by other insurers. In this case, it is necessary for both parties to negotiate and divide. The life insurance policy belongs to the insured who originally held and enjoyed the right to receive insurance money, and does not belong to the joint property of husband and wife. If the participating financial insurance you insure belongs to the category of life insurance, it should not be divided. If it is a linked insurance, it is hard to say. Investment-linked insurance is different from traditional life insurance and dividend-paying life insurance. Its investment is more important than security and belongs to the asset class. Because Article 64 of the Insurance Law stipulates: "After the death of the insured, in any of the following circumstances, the insurance money shall be the inheritance of the insured, and the insurer shall perform the obligation to pay the insurance money to the heir of the insured: (1) No beneficiary is specified; (2) The beneficiary dies before the insured, and there are no other beneficiaries; (3) The beneficiary loses or waives the right to benefit according to law, and there are no other beneficiaries. " The heir of the insured here is the legal heir. Although both the legal heir and the beneficiary designated by the insured can get the insured's insurance money, they are essentially different. The former comes from legal provisions, and the latter comes from the insured or the designation of the insured. The insurance money obtained by the former belongs to the inheritance and may need to pay inheritance tax in the future, while the latter is the insurance money, which does not belong to the inheritance and does not need to pay inheritance tax. If the beneficiary is specified in the contract, the insurance compensation certainly belongs to the beneficiary. If there is no designated beneficiary, what kind of life insurance contract should be distinguished? The first is a one-time payment of the insured amount. Insurance with the nature of investment and financial management should be recognized as the personal property of the insured before marriage. Second, not for the purpose of financial management, insurance compensation can only be applied after an insurance accident, and the insurance compensation should belong to the legal heir. The third is to pay insurance premiums in installments, and the payment time lasts until marriage. This kind of insurance generally has the nature of investment and financial management, and the proportion of insurance money paid after marriage belongs to the joint property of husband and wife.