Whole life insurance refers to insurance that provides death protection throughout your life.铓
According to Paragraph 2 of Article 43 of the Insurance Law: “If a beneficiary intentionally causes the death, disability, or illness of the insured, or if he intentionally attempts to kill the insured, the beneficiary shall lose his beneficial rights.” According to the Insurance Law, "Article 42, paragraph 1, stipulates: "After the death of the insured, if one of the following circumstances occurs, the insurance money shall be regarded as the insured's inheritance and shall be paid by the insurer in accordance with the "XXXXXXX Succession Law" (Note: "Succession Law" The obligation to pay insurance benefits is fulfilled in accordance with the provisions of the Civil Code: (1) There is no designated beneficiary, or the beneficiary is unclear and cannot be determined; (2) The beneficiary dies before the insured, and there is no other The beneficiary; (3) The beneficiary loses the beneficiary rights or gives up the beneficiary rights in accordance with the law, and there is no other beneficiary."
Therefore, when a beneficiary intentionally causes the death of the insured, the beneficiary loses the right to benefit, but the insurance company still has to pay the insurance premium.
Even if there are no beneficiaries, the insurance money must be paid, and then the insurance money will be treated as part of the estate in accordance with the inheritance law.
Therefore, here is no intention to instigate you to cheat on insurance, but to tell you some legal knowledge.
Also, insurance is still necessary.
Next, apart from the overall relocation of the Hallelujah World Despatton Academy, Wang Yuanheng's most important trip is to visit an interesting martial arts world in the private collection of Emerald Queen Ilysela.LS Tayasi.
According to Ilisela's description, the special characteristics of that world help the transcendent to improve at the gold level and increase the possibility of success in reaching the legendary level. If Ilisela were not a prince of a higher universe, and that world had been secretly taken over by her very early on, it would be troublesome for her to always be able to control such a small world so easily.铓
The benefits are exciting.
Legends are very different from mortals, and they are different from us in many ways. This sentence is timeless.
Legendary beings can receive basic respect wherever they go.
Therefore, special worlds that can increase the success rate of legends are valuable resources everywhere.
Ilisela's ability to open this private and hidden world to him can certainly be seen as a sign of sincerity, and it was also the most appropriate weight she could give at the time.
But this kind of sincerity may not be kind to Wang Yuanheng.
Because, in such a place, Wang Yuanheng's safety is largely under the control of the other party, and the direct contact between the two parties is not pleasant, and there is not much trust foundation at all. No matter how arrogant Wang Yuanheng was, he never believed that he would be a match for the famous Emerald Queen on the opponent's territory. Even trying to escape was a slim hope.铓
But hints from the future told Wang Yuanheng that this was a very important game. In fact, Elisela.LSTayasi may want to use this incident to understand each other and lay a real foundation of trust.
This kind of trust certainly does not mean that Wang Yuanheng went to that world foolishly and recklessly.
That's not trust, it's stupidity.
This kind of performance is estimated to be not a grand welcome ceremony after Wang Yuanheng's arrival. Standing in the air, it is more likely to become someone else's dinner plate. He will become a piece of fat meat that is automatically delivered to the door and roasted sizzlingly.
He needs to go to this world that may already be a bit useless. Although the legendary level has no obstacles for him, his purpose is to gain something else. The particularity of this world itself is the icing on the cake at best.
But before going, he must buy insurance.
However, this insurance is not a whole life insurance that will provide compensation after the fact, but an insurance that is directly triggered to ensure safety when an accident occurs. It is not easy to do this. He has very few human resources that are enough to participate in an incident of this level.铓
In fact, [God Killer] can be regarded as one of the preparations, but it is just a small fulcrum. If there is a real conflict, we can face Ilisela directly. LS Taiyasi can at most let him die a little more decently, but the result will be nothing. Variety.
This insurance is still needed
We need a little bit of help from outside forces.
*************
Secret Hall.
A tall and burly man slumped in the corner like rotten flesh, smelling of alcohol, and only pain and sadness remained on his originally handsome and resolute face.
William shook the bottle vigorously and heard no sound, knowing that his seventeenth bottle of Vatudo Flame was gone. Putting down the bottle of wine, he reached out and fumbled around in his bag for a long time, and indeed there was only the last bottle of wine left.
After all, he brought very few things from Hohenzollern. As a commander, he didn't like to drink much. Alcohol would affect people's judgment. The only remaining Vatudo Flame was to reward his team. Found specially.铓
However, before I had time to send it out, those people were gone.
William is from the continent of Vatudo, the land of stars in the world. He was born into the Guangmian family, the most glorious and prominent elector of the Hohenzollern Empire, one of the two most powerful empires in Vatudo. His father is a member of the contemporary Guangmian family. The head of the family is also the emperor of the empire, and his aunt is the marshal of the empire.
It can be said that when he was born, the entire Hohenzollern Stone Forest was chanting his name, and every citizen of the empire was looking forward to his arrival, and he did not live up to this honor and expectation. His past life experiences It can be called the smoothest protagonist template.
His father, William III, governed the country with wisdom and strength. He also studied literature at the age of three, martial arts at the age of five, drew a bow at the age of seven, spoke eloquently about the current situation at the age of eight, and could speak eloquently in the King's Council. At the age of ten, he inherited He has an excellent pedigree from the Guangmian family and has reached the top of his journey as a trainee knight. While traveling on the border of the empire, he encountered an unexpected enemy force and a crazy dragon raiding the border fortress. At this time, at the most critical moment and in full view of the public, he awakened the huge magic power of light and awakened the empire from its slumber. The guardian statue of the forbidden stone forest.
In this incident, the people who originally hated magic did not spurn him because of his long-term good image and guarding a large number of border villages. Instead, they cheered for him. Even the empire's astral guardian twins (gods) Justice and All the beautiful sisters sent their blessings to him. In this encounter, he not only met his first love and future wife, the dragon girl Shyvana, but also reversed the empire's long-term prejudice against mages in one fell swoop. It can be said that it greatly made up for the empire's shortcomings, and finally embarked on a career path because of it. The path of the Mystical Knight, and received a systematic education in magic.
He joined the Empire's Dreadnaught Legion at the age of twelve. He started as a small soldier, fought hard and fought bloody battles, and later took the lead, accumulating merits. Finally, at the age of eighteen, he became the captain of the Empire's most powerful and famous legion, the Dreadnought Vanguard, and was praised by everyone. Considered the successor of the legion commander. The Fearless Vanguards are the most elite warriors in the empire. Each of them is a legend in his hometown and even the county. He is even famous in the empire. A battle group of two thousand people is enough to dominate any battlefield on the Vatudo continent, even in the empire. The strongest opponent, the Cape Blanca Empire, one of the two major empires on the mainland, also had to admit that the Fearless Pioneer was the most cautious opponent.
The fearless vanguard under William is even more powerful. The Fearless Vanguards were all originally powerful warriors. Even if they adhered to the pure warrior ways, they were the most capable legion. Because they were grateful for his example and actions, the mages who had been discriminated against and oppressed in the empire were willing to serve under him and do their best to do so.铓
You must know that the Guangmian family is a glorious family known in the empire for its powerful force and exemplary morality. The family has profound attainments in warriors and war. Even ordinary warriors can perform extremely well under the leadership of the Guangmian family. With his ordinary combat power, not to mention elites like the Fearless Vanguard, and with sufficient magical support, the troops he led were simply invincible.
When he was 28 years old, his reputation was growing and he had been awarded the imperial title of Hohenzollern. He was the commander of the Fearless Vanguard and the youngest general in the empire. In the same year, during a conflict with the Cape Blanca Empire, an important force of the Empire was surrounded by the Meat Grinder Legion, and another heir of the Elector family of the Empire was killed on the battlefield of the Cape Blanca Empire. Butcher Jaeger, the king, was killed in formation. However, this battle that should have been defeated was turned around by William. The siege of the Meat Grinder Legion was broken, and the remaining soldiers of the imperial army were rescued. Even Butcher Jaeger also relied on William's faith. Astral justice forged with the blessing of the patron saint
Kill with giant sword.
In this battle, he not only reached level 18 in one fell swoop, but also gained the qualification to go to the Secret Warlord Alliance. He began to have a broader vision, and the reputation of the empire greatly increased. He was officially called William IV. According to the custom of Hohenzollern, In the absence of the death of his father, His Majesty William III, this means that he is officially legally called the heir to the empire. The other elector families must recognize this fact and serve him wholeheartedly, gather under his command, and unite as one. Work hard for the strength of the empire and the safety of its people.
Hohenzollern flourished for a time, with flowers blooming in abundance, and her brilliance began to spread to farther places, so glorious and brilliant. Even Capeblanca, a powerful empire that has always been founded on military merits, with prevalent internal militarism, ruthless and cruel competition, and extremely strong external aggressiveness, where only iron-blooded and even more iron-blooded hardliners can gain a foothold, has to fight at the border Take a defensive stance and temporarily look elsewhere.
The empire is strong, the family is happy, there are many comrades-in-arms, the road to transcendence is progressing steadily, the status is high, and the old father is in good health and does not have to worry too much about national affairs. His beloved wife also gave birth to a pair of twins. How much does William IV want to live? Just stay in that moment forever.
However, on the day of his thirtieth birthday, the star fell.
In the world of Starlight Land, in addition to the material plane like the Watudo continent, there are many stars in the huge realm. Moreover, William IV, the crown prince of the empire, also learned from records in ancient books that every star in the sky had given birth to or was giving birth to a god.铓
These are these innate "gods" with excellent talents, and they call themselves star spirits. Once the protoss are born, they have stars tens of meters high, like giants condensed by starlight. Even though they occasionally turn into ordinary humans or animals, they are born with a level that is close to legend, which is incomparable to mortals. strength.
It is also the protection of some kind-hearted and friendly star spirits that allows the mortals of Watudo to survive in the chaotic and vicious environment of ancient times, thrive and finally grow stronger. In fact, the guardian twins (gods) Justice and Beauty in the astral realm are also the stars.
The star spirit has a close connection with its birth star. The birth star not only continuously provides power to its star spirit, but even if the star spirit's body is destroyed, the star soul will automatically return to the birth star and be born again after enough time has been accumulated. Such excellent endowments are rare among the universes in the cosmic ring, but the ups and downs of their lives are also vividly reflected in the birth star.
If the starlight is dim, then the star spirit must be in extremely poor condition, and may even be physically damaged on the birth star. The appearance of a falling star means one thing. Not only is the star spirit's body being killed, but its star soul is also destroyed and completely disappears from the world. Only then will its birth star be torn apart and fall into the star sea!
After that star fell, William IV's life changed completely. At that time, although people were shocked and felt uneasy, they were not too panicked. They just thought that a fierce conflict broke out among the protoss. It was a normal night with strange phenomena.
Watudo is the most important material plane in the Starlight Land world, but it is not the only one. What's more, there are very few star spirits who are close to or disgusted with mortals. Most star spirits don't have much emotion towards mortal things. There is only calm and indifference, but factions and conflicts within the protoss are not uncommon.
Star falling has been rare since ancient times, but it is not completely unrecorded. In fact, the Hohenzollern Empire has experienced this phenomenon five times, but it has not affected mortals like them at all. After all, the oldest star spirits have already reached the legendary level, and they can be released into the universe. Truly regarded as a god.铓
But just one month later, William IV, who was immersed in a happy family, learned at a kingdom meeting that most of the frosty land in the north of the Vatudo continent had fallen under the iron hooves and warships of evil armies from other worlds. Not visitors from other dimensions in the Starlight Land world, but intruders from outside the world!
Although the Celtic tribes in the Frost Land do not have a unified political power, their strong bodies and cold wills honed in the harsh environment, coupled with the supernatural ability to control ice naturally possessed by most strong warriors, make them always It is a troublesome enemy for the various regimes in the south.
Hohenzollern had been strictly guarding them on the border and built many checkpoints.
Capeblanca once tried to attack the fortress. After finding that the losses were too great and the gains outweighed the gains, they symbolically occupied a few hilltops and stopped large-scale operations. The other city-states were often attacked by various Celts. Tribal raids.
Of course, the empire attaches great importance to enemies that can quickly defeat the Celtic tribes. While quickly gathering several main legions and a large amount of supplies to the northern front, it also instructs the front line to inventory and prepare for war, prepare for war, and provide some defense points to the enemy. The frost tribes that have retreated will never be allowed to retreat directly into the empire.
But these measures did not have much effect. In just ten days after the official battle, the enemy broke through two northern defense lines. William IV had to get out of bed overnight and set off urgently, leading the fearless vanguard to the north.
This is an extremely difficult battle. The entire northern part of the empire was plunged into the whirlpool of war, and the dark cloud of death enveloped every living creature in the north. After three months of the most brutal fighting, and having learned a little about the enemy after the previous two defeats, Hohenzollern held on to the last northern line of defense.
If it fails again this time, then a large area of territory in the north will be undefendable and directly exposed to the enemy's front. Then the entire northern Xinjiang will become a mess, and the enemy will be able to directly threaten JYG, the northern gate of the imperial capital, or attack the eastern part of the empire along the route.铓
Fortunately, we kept it.
Even William IV was seriously wounded twice and suffered numerous injuries. Nearly half of the Dauntless Vanguard was lost in battle. The newly formed mage army lost its structure and only had two or three big cats and kittens left. The entire northern defense line was littered with corpses. , bleeding and drifting, but finally won a chance to breathe.
At this time, William IV knew the names of the enemies. They came from the command of General Bemes of the United Knights Kingdom of Curado. At this time, the entire continent was ignited with wars. The coalition forces from the Cesano Steppes were fighting against the Capeblanca Empire, and the Kirzi army was fighting against the desert kingdom of Azir in the southeast of the Capeblanca Empire. The desert city-state coalition is fighting against the western city-state kingdoms of the Hohenzollern Empire, the Kingdom of Moquin Knights.
These powerful troops, from a strange country, come from the distant world of Unamo. They are just small branches of the alien colonization legions sent by their respective countries in response to the Wizards Federation.
Of course William IV knew that they were only a small part. Having been to the Secret Hall and having contact with the Internet, of course he had heard of the famous (infamous) wizards. It is estimated that the size of the Starlight Land is not even high in the world invaded by wizards.
Fortunately, if there is no legend, who can compete with it?
As a secret warlord whose total level is close to level 20, he is not afraid to fight any legendary enemies at all. Even if Wu Namo is in a higher world (has emerged from the supreme existence), and even if the wizards are famous and powerful professions, he They are all confident that they can crush it with their big swords.铓
In fact, Bemes of the United Knights Kingdom of Kurado really had a headache for this mysterious warlord. He didn't expect that it would be such a coincidence that he would meet a rare mysterious warlord in such an ordinary world.
The main opponents of the key supporting legends are still the protoss in the sky. After all, they are outsiders. No matter how indifferent the protoss is, they cannot accept that outsiders are poaching their own corners. What's more, the reason why the wizards can invade is because At the beginning, an important protoss was killed - the eternal protoss.
The Eternal Star Spirit is an important embodiment of the defense of the Starlight Land world itself and an important role in stabilizing and running the world. He never participates in the internal fighting among the Star Spirits and concentrates on his own responsibilities. He is respected and recognized by most Star Spirits. It can be said that his death instantly aroused the anger of the protoss.
Even though Bemes himself is a legend, the Hohenzollern Empire is not without its own legendary power. Not to mention the Guardian Twins, the Guardian Colossus that has been awakened within the empire and William IV who can bring justice from heaven have already dealt with Resisted him.
However, Bemes is not in a hurry. When he first entered the legend, he advanced through the knight route, and also used external help from wizards. It was normal to encounter such a situation, and he would not have to risk his life. Go ahead and fight, ordinary wizards who follow the army will not offend this legend too much.
Moreover, except for the two empires of Hohenzollern and Capeblanca, the situation on the entire continent was dominated by the colonial army. Even a tile
Many forces and people from the south of Tudo and overseas came to help the war spontaneously, but the situation was still tilting towards the invading forces.
At this time, a third party appeared.铓
Although William IV was heartbroken at the losses suffered by people everywhere when he learned about it at first, because the other party attacked indiscriminately and the team on the opposite side of Bemax suffered a lot of losses, he actually hoped in his heart that the other party would disrupt the situation.
After all, he knew that it would be difficult for the Watudo continent to persist in the face of the attack of the Unamo colonial army. As a weak party, the chaotic situation might have a glimmer of hope, instead of leading to a slow but hopeless death.
However, the new invaders are monsters from the nightmare world. These monsters are more ferocious and weird than the legends. They use the most abhorrent methods everywhere. It seems that they not only want to destroy all normal life, but also have more vicious purposes.
At this time, the sister of the guardian twins, the Star Spirit of Beauty, quietly told William IV a piece of news, and said worriedly before leaving that she had an unknown premonition.
It turns out that the death of the Eternal Stars was not caused by the wizards, but by the despicable means used by the nightmare monsters to break down the world's barriers. The wizards just happened to find out and took advantage of the situation and wanted a piece of the pie.
For wizards, no matter who they fight, they have to take advantage first. Nightmare monsters are one of the earliest and most important opponents of wizards. Even because they pay attention at all times, they can stay one step ahead of their true masters.
It's just that William IV didn't know that the tragic war he experienced in the previous few months was just a prelude to real disaster and pain. The wizards didn't realize that this time their opponent was different.铓
