保险受益人研究

狭义上的保险受益人是指于被保险人死亡时有权请求和受领身故保险金的人,只能是被保险人之外的人,应包括指定受益人和法定受益人。投保人有受益人的指定权,被保险人或其监护人有最终的决定权,受益人指定不明时应合理解释。被保险人的法定继承人是其法定受益人,法定受益人的受益顺序依法定继承人的继承顺序,同一顺序的法定受益人受益份额相同。保险受益人原则上为可变更受益人,其变更应采书面形式,并自通知保险人时生效。

A Study on Insurance Beneficiary

Strictly speaking ,insurance beneficiary refers to the specific person who can ask and get insurance money when the insured dies.The former is can only denote the person who is not insured, including the designated beneficiary and the legal one.The applicant for insurance has the right of designating his beneficiary,but the insured or the guardian of the insured makes the decision at last.Meanwhile, the applicant should make good explanation when the designated beneficiary is confusing.The legal heir of the insured is the legal beneficiary of the ones,The sequence in which the legal beneficiary get insurance money is same as one of the legal beneficiary.Meanwhile, the legal beneficiary in the same order will get same insurance money.In principle, insurance beneficiary can be modified in written reply,that goes into effect from the date of informing insurance company.