Will life insurance be valid if a person is mobilized?
Story Partial mobilization in Russia Expert's answer 0 + –
According to the law, mortgage lenders must insure the collateral — apartment or house. Banks usually offer life insurance to borrowers in exchange for a reduction in housing loan rates. The cost of such insurance depends on various factors — the size of the mortgage, gender and age of the borrower. For example, a 35-year-old man who has borrowed 10 million rubles from a bank, life insurance will cost more than 20 thousand rubles a year.
Life insurance protects the borrower (and also his heirs) from the occurrence of undesirable events associated with disability or death — if their appearance, the mortgage is reset to zero.
And does apply such insurance to mobilized people? According to head of the Bureau of Lawyers, Honorary Lawyer of Russia, Vice-President of the Guild of Russian Lawyers Nikita Filippov, it is usually stated in the insurance contract that military measures are the basis for exempting the insurer from insurance compensation. Simply put, if the mortgage lender is mobilized, life insurance ceases to operate.
Article 964 of the Civil Code expressly states that the insurer is exempt from payment of insurance indemnity and the sum insured when the insured event occurred as a result of the effects of a nuclear explosion, radiation or radioactive contamination, military operations, and also maneuvers or other military events, civil war, civil unrest of any kind or strikes, — Filippov explained aif.ru.
In Vice-President of the Association of Lawyers for registration, liquidation, bankruptcy and legal representation, Deputy Head of the Federal Mediation Center, Chairman of the All-Russian Trade Union of Mediators Vladimir Kuznetsovadds that the life of military personnel is insured by the state — such insurance is not individual, but collective, and applies to all servicemen.
«Payment, which is provided for this type of insurance, consists of two parts: insurance compensation and — at the moment, with the death of a serviceman, they amount to 2.968 million rubles and 4.453 million rubles, respectively, in the amount — 7.421 million rubles" — notes Kuznetsov.
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