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Eröffnet nach dem Ehemann / nach der Ehefrau
Vermächtnisanfall
May 19, 2018 19:30
6 yrs ago
8 viewers *
German term

Lebensversicherung mit eigenem Bennenungs-/Bezugsrecht

German to English Law/Patents Insurance Life Insurance
Hi again, I do pretty much understand what this means, but what I am not 100% sure is who the "eigenem" refers to.

This is part of a last will.

The context is "Zahlungen aus Verträgen zugunsten Dritter (z.b: Lebensversicherungen mit eigenem Bennennungs- oder Bezugsrecht) stehen unmittelbar dem Bezugsberechtigten zu".

Many thanks! D
Proposed translations (English)
3 life insurance policy in which the policy holder has personal designation and redemption rights

Discussion

ebobilov May 21, 2018:
Weiterer Referenztext:
"Wenn im Lebensversicherungsvertrag bzw. der letztwilligen Verfügung kein Bezugsberechtigter benannt ist - also kein Vertrag zugunsten Dritter vorliegt - fällt die Versicherungssumme auch erbschaftsteuerlich in den Nachlaß und ist nach § 3 Abs. 1 Nr. 1 ErbStG zu versteuern. Hier wäre besser gewesen, den/die Erben als Versicherungsnehmer auftreten zu lassen. Der Erbe erwirbt dann im Erbfall den Anspruch auf die Versicherungssumme aus eigenem Recht und "erbt" sie nicht." (http://www.iww.de/erbbstg/archiv/steuerrechtzivilrecht-exkur...
ebobilov May 20, 2018:
"Eigen" bezieht sich auf den Dritten aus dem Vertrag, d. h. auf den Bezugsberechtigten:
"Der Vertrag zugunsten Dritter gestattet es also die Begründung eines Anspruchs und die Zuwendung eines Anspruchs durch ein einziges Rechtsgeschäft zu realisieren. Demnach verpflichtet sich der Schuldner (Versprechender/Versicherer) im so genannten Deckungsverhältnis gegenüber dem Gläubiger (Versprechensempfänger/Versicherungsnehmer) die vertragliche Leistung im so genannten Leistungsverhältnis an einen Dritten (Begünstigten) zu erbringen. Der Dritte erwirbt dadurch ein eigenes Recht auf die Leistung." (https://www.grin.com/document/60733)
Analog gilt das auch für das eigene Benennungsrecht.
Haigo Salow May 20, 2018:
I agree with Allegro. There must be a reson why these personal designation and redemption rights are mentioned. I have to admit that I didn't know that there are life insurance policies that don't allow the policy holder to name the beneficiary. It doesn't seem make sense, unless these policies are for specific purposes, such as covering the costs for the funeral, and other costs associated with the death.
Daniel Arnold (X) (asker) May 20, 2018:
Completely agree with you Allegro, it's actually a sworn translation and it certainly is in there. Thanks!
AllegroTrans May 20, 2018:
redundant or not.. I would not omit any of this. For one thing the company very probably issues policies without the right to name beneficiaries and/or receive benefits and for another a client is highly likely to accuse the translator of omitting content. This is legal text not a newspaper article.
philgoddard May 20, 2018:
If you left out the phrase you're asking about and just said "life assurance policies", I think it would make just as much sense. Benennungsrecht is presumably the right to name the beneficiary, which I think goes without saying, and Bezugsrecht is the right to receive benefits, which also seems redundant.

Proposed translations

5 hrs
Selected

life insurance policy in which the policy holder has personal designation and redemption rights

tricky context but this is the idea

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Note added at 5 hrs (2018-05-20 00:38:02 GMT)
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deliberately keeping it vague here to give you options

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Note added at 5 hrs (2018-05-20 00:38:41 GMT)
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and let's see how others read it

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Note added at 5 hrs (2018-05-20 00:45:22 GMT)
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my gut feeling is that the policy holder has the right to designate him/herself as the recipient and receive the payout which would then go to his/her heirs

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Note added at 5 hrs (2018-05-20 00:46:24 GMT)
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so let's see if someone can come in on the wording

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Note added at 6 hrs (2018-05-20 01:40:33 GMT)
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insurance policy in which the (policy) holder retains the right to receive and redeem any and all amounts (accruing) in his/her name

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Note added at 6 hrs (2018-05-20 01:41:39 GMT)
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something along these lines

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Note added at 6 hrs (2018-05-20 01:44:58 GMT)
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that covers the "eigen"

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Note added at 6 hrs (2018-05-20 02:02:29 GMT)
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just read your profile and obviously a top man so let's see how this pans out

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Note added at 1 day 5 hrs (2018-05-21 01:17:01 GMT)
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and of course you know that according to proz rules you have gone way beyond the limit but ok

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Note added at 1 day 5 hrs (2018-05-21 01:21:24 GMT)
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ist mir wurst, aber das nächste mal
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4 KudoZ points awarded for this answer. Comment: "thanks mate"
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