What about endowment insurance when people die suddenly?

First, the endowment insurance fund raising

When the insured dies suddenly, if he has reached the legal retirement age and started to receive old-age insurance, then his survivors can continue to receive the remaining old-age insurance until the end. Survivors need to provide the insured's death certificate, identity certificate and other related materials when receiving them, and handle them according to the requirements of the social security department.

Second, the handling of personal accounts.

How to deal with the balance of personal pension account after the death of the insured depends on the local social security policy. Generally speaking, the personal account balance can be inherited by the survivors or returned according to the policy. When applying for inheritance or refund of personal account balance, survivors need to provide relevant supporting materials, such as the death certificate of the insured, proof of inheritance relationship, etc.

Three. Application for survivors' treatment

In addition to the collection of pension insurance and the handling of personal accounts, survivors can also apply for survivor treatment according to the policy. Survivors' treatment usually includes one-time pension and survivors' living allowance, aiming at helping survivors tide over the difficulties. To apply for survivor's pension, you need to provide relevant certification materials, such as the death certificate of the insured, the identity certificate of the survivor, and the relationship certificate with the insured.

To sum up:

After sudden death, the handling of endowment insurance involves the collection of endowment insurance money, the handling of personal accounts and the application for survivors' treatment. Survivors need to know the local social security policies, prepare relevant supporting materials, and apply according to the requirements of the social security department. At the same time, the social security department should also actively provide help and guidance to ensure that the rights and interests of survivors are protected.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 17 stipulates:

If an individual who participates in the basic old-age insurance dies due to illness or non-work, his survivors can receive funeral grants and pensions; Persons who have completely lost their ability to work due to illness or non-work-related disability before reaching the statutory retirement age can receive disability allowance. The required funds are paid from the basic old-age insurance fund.

People's Republic of China (PRC) social insurance law

Article 14 stipulates:

Personal accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.