Isplata otkupne vrednosti polise

Abstract

In the modern world, a life insurance contract occupies an important place, and that is because it provides a certain level of material protection, primarily to oneself, and then to persons close to oneself. Surrendering the life insurance policy is the right of the negotiator of a life insurance (beneficiary of insurance), who has concluded a life insurance contract, after paying the threeyear life insurance premium, to request that the insurer pay him the surrender value of the insurance policy. Surrendering the life insurance policy is in any case a harmful action, because the contract is terminated prematurely. The subject of the research also consists in the answer to the disputable questions regarding the surrendering the life insurance policy in order to put a light on significant segments of the reasons for surrender, as well as to propose their further improvements. In the following text, having in mind the complexity of the topic, and the limited scope of work, a review will be made of the main specifics in both domestic and comparative law, imbued with case law.