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Z kolei inaczej napisano w Słowniku Podatki-Cła-Ubezpieczenia autorstwa Piotra Ratajczaka: Non-forfeiture clause - klauzula podtrzymania ubezpieczenia na życie od przerwania płatności składek
To jednak nie odpowiada wyjaśnieniom z źródeł z USA.
Jacek Rogala (X)Dec 3, 2021:
Cos w tym jest, Kamilo, cos w tym jest! klauzula, zeby nie przepadlo
SCR.7.52. „brak kontynuacji polisy” oznacza wykup polisy, rezygnację bez zwrotu wartości, zamianę na umowę z w pełni opłaconą składką, skorzystanie z zapisów umowy dających automatyczne prawo ubezpieczającemu do częściowego zachowania wartości polisy (non-forfeiture provisions), skorzystanie z innych opcji braku kontynuacji umowy lub nieskorzystanie z możliwości przedłużenia polisy; https://www.knf.gov.pl/knf/pl/komponenty/img/Specyfikacja_te...
In the insurance business, there are situations when a person can't or wouldn't continue paying insurance premiums. Naturally, in this case the insurer would not be willing to provide the services. However, the nonforfeiture clause (obligatory in the US, for example) states that the policyowner has the right to somehow use the portion he/she has already paid - that is, to receive a proportion of services, to get back the cash value of insurance and so on. https://www.proz.com/kudoz/english-to-russian/insurance/1414... https://www.ailife.com/articles/what-are-life-insurance-non-...
A nonforfeiture (sometimes hyphenated) clause is an insurance policy clause stipulating that an insured party can receive full or partial benefits or a partial refund of premiums after a lapse due to nonpayment. Standard life insurance and long-term care insurance may have nonforfeiture clauses. The clause may involve returning some portion of the total premiums paid, the cash surrender value of the policy, or a reduced benefit based upon premiums paid before the policy lapsed. ... Why do nonforfeiture clauses exist?
The clauses offer consumer protection in the event a policyholder stops paying their premium. Sometimes, a policy expires after a so-called grace period. What if cash is accumulated in the policy? In that case state law forbids companies from keeping the cash and cancelling the policy. https://www.investopedia.com/terms/n/nonforfeiture-clause.as...
Jacek Rogala (X)Dec 3, 2021:
kontekst?
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Discussion
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Z kolei inaczej napisano w Słowniku Podatki-Cła-Ubezpieczenia autorstwa Piotra Ratajczaka:
Non-forfeiture clause - klauzula podtrzymania ubezpieczenia na życie od przerwania płatności składek
To jednak nie odpowiada wyjaśnieniom z źródeł z USA.
klauzula, zeby nie przepadlo
Zapytałam, bo w moim źródle przetłumaczono to jako klauzula prolongacyjna.
postanowienie o gwarancji kapitału? Potworki mi przychodzą...
https://www.knf.gov.pl/knf/pl/komponenty/img/Specyfikacja_te...
https://www.proz.com/kudoz/english-to-russian/insurance/1414...
https://www.ailife.com/articles/what-are-life-insurance-non-...
...
Why do nonforfeiture clauses exist?
The clauses offer consumer protection in the event a policyholder stops paying their premium. Sometimes, a policy expires after a so-called grace period. What if cash is accumulated in the policy? In that case state law forbids companies from keeping the cash and cancelling the policy.
https://www.investopedia.com/terms/n/nonforfeiture-clause.as...