The insured person declared dead on relevant legal issues

The insured persons were declared dead in the insurance business is a special personal circumstances. At present the domestic research is weak, the practical understanding of the more ambiguous. Some insurance companies still exist in terms of local self-contradictory. This article holds that the insured person because of accidents and missing were declared dead, insurance companies should bear the responsibility of insurance; declared dead due to other reasons, insurance companies should be disclaimer. Insurance should be in terms of accidents occurred, as the insured person's death. Such as life insurance was also, the effectiveness of the original contract and has paid the insurance money should be dealt with as the case may be.

Key words: declared dead; liability insurance; time of death; contractual effect