Insurance contract is one of the most important financial tools for modern people, and when the debtor for insurance contract an insurer had accumulated policy value when reserve, whether the execution creditor must exercise the right of rescission based on charging orders to insurance companies to charge the termination payments, which involve the payment of order charging power meaning why and how the protection of the debtor's right exist. This paper first introduced the Japanese practice views of forced executive and Japanese insurance Law of added guarantees insurance contract beneficiaries of intervention right system, then, detailed review charged right of exercise range and boundaries, in China not has like Japan method guarantees beneficiaries of intervention right system, paper think in practice, should view carefully in proportions principles to charged right which rescind insurance contract and further to see whether it has contrary to debtor survival right of guarantees, while for avoiding the rescind insurance contract caused debtor irreversible loss, it can through execution contract, to arrange a third person to provide compensatory amount equivalent to termination of the insurance contract in exchange for the execution creditor agreed not to enforce the termination of payment claims. Lastly, in order to avoid indirect disposition of the debtor and the policy value reserve by changing to the name of an insured, this paper argues that changes the insurer's name should constitute a con cealmout of property which constitute a disciplinary action.