Anti-Assignment Clauses — anti-assignment clauses are insurance policy provisions that require the
insurance company's consent to any assignment or transfer of rights of the
policy and are generally enforceable before a loss occurs. The
assignment of rights before a loss occurs basically becomes a transfer of a
contractual relationship, which is generally discouraged by the courts and
prohibited by this anti-assignment clause.
If the assignment occurs after a loss, then the majority rule is that
the anti-assignment clause is void and unenforceable.