After the purchaser of the financial product dies, the financial product has not expired, which is a kind of testament, and the successor can inherit the financial product.
According to the provisions of relevant laws in China, the inheritance shall be in the following order:
（1） First order: spouse, children, parents;
（2） The second order: brothers and sisters, grandparents, maternal grandparents.
After the beginning of succession, the successor in the first order shall inherit, and the successor in the second order shall not inherit; If there is no successor in the first order, the successor in the second order shall inherit.
The term "children" as used in this Part includes legitimate children, illegitimate children, adopted children and step children who are dependent.
The term "parents" as used in this Part includes biological parents, adoptive parents and step parents who are dependent on each other.
The term "brothers and sisters" as used in this part includes brothers and sisters of the same parents, half brothers and half sisters, adoptive brothers and sisters, and step brothers and sisters who have supported each other.
Legal basis
Article 1127 of the Civil Code of the People's Republic of China [Scope of legal successors and order of succession] Inheritance of the estate shall be in the following order:
（1） First order: spouse, children, parents;
（2） The second order: brothers and sisters, grandparents, maternal grandparents.
After the beginning of succession, the successor in the first order shall inherit, and the successor in the second order shall not inherit; If there is no successor in the first order, the successor in the second order shall inherit.
The term "children" as used in this Part includes legitimate children, illegitimate children, adopted children and step children who are dependent.
The term "parents" as used in this Part includes biological parents, adoptive parents and step parents who are dependent on each other.
The term "brothers and sisters" as used in this part includes brothers and sisters of the same parents, half brothers and half sisters, adoptive brothers and sisters, and step brothers and sisters who have supported each other.
