Accordingly , " insurance law " regulation , insurant perhaps confines person of civil action competence to do not have person of civil action competence , can appoint beneficiary beneficiary by its guardian , in order to protect the interest of insurant 因此， 《保险法》规定，被保险人为无民事行为能力人或者限制民事行为能力人的，可以由其监护人指定受益人，以保护被保险人的利益。
Policy - holder is paying fee or get get sb to go bail for one reason of card period internal cause dies , the total capital that the individual pays insurance premium and accrual , assure period the remaining sum inside returns its heir at law or appoint beneficiary beneficiary 投保人在交费或领取保证期内因故身亡,个人交纳保险费的全部本金和利息、保证期内的余额返给其法定继续人或指定受益人。
Because person insurance is the life with insurant or the body serves as insurance mark , insurant is accordingly safe to what what produce among them interest , the insurance gold that can win in the future namely , have the right that assigns beneficiary beneficiary of course 因为人身保险是以被保险人的生命或者身体作为保险标的的，因此被保险人对于其中所产生的保险利益，即将来可以获得的保险金，当然有指定受益人的权利。
Thus , the beneficial money of the legal beneficiary should not be regarded as inheritance . the beneficial right denotes the right of beneficiary who can take the insurance money when the insured dies in accordance with the stipulation of the insurance contrary o r the law 法定受益人取得保险金与指定受益人无本质区别，保险法在处理二者的性质时不应存有不同，对指定受益人受益保险金未将其作为遗产继承对待，那么对法定受益人受益保险金不应明定为遗产继承。
The legal insurance beneficiary is the person who is entitled the right to take the insurance money in accordance with the law when the applicant for insurance or the insured does not designate his beneficiary or when the designated beneficiary dies before the insured or the designated is deprived of his beneficial right or abandon his right 保险受益人只能是被保险人之外的人，而不能是被保险人本人。法定受益人，指在投保人、被保险人未指定受益人或者指定的受益人先于被保险人死亡或者丧失受益权、放弃受益权时，由法律规定的享有领取保险金权利的人。
So , we suggest miss zhang buys above reason of two kinds of insurance has 2 : suggest miss zhang is bought 20 years period share out bonus of lucky be satisfactory to both sides is safe , every month is used only hand in 500 yuan or so , can be after 25 years ( 55 years old ) those who get 100 thousand yuan return gold ; if be in 25 years during , the underwriter dies because of reason , be in in those days the compensation that its specify beneficiary beneficiary to also can take 100 thousand yuan 所以，我们建议张小姐买以上两种保险原因有二：建议张小姐购买20年期的吉祥两全分红保险，每个月只用交500元左右，就能在25年后（ 55岁）得到一次10万元的返金；假如在25年期间，保险人因故去世，在当年其指定受益人也能拿到10万元的补偿。
The body that because be benefited , the implementation of authority involves insurant or life , be sure in order to obtain to prevent insurant of occurrence plot a murder golden morality is dangerous , protect the interest of insurant , when the law stipulates policy - holder appoints beneficiary beneficiary , insurance must agree via insurant 由于受益权的实现涉及到被保险人的身体或者生命，为了防止出现谋害被保险人以取得保险金的道德危险，保护被保险人的利益，保险法规定投保人指定受益人时必须经被保险人同意。
The insurant of business of person insurance group has authority to know to be planted about insure main content of the clause , have authority is appointed and change beneficiary beneficiary , insurant is those who do not have person of civil action competence or person of limitative conduct competence , can appoint beneficiary beneficiary by its guardian 人身保险团体业务的被保险人有权知道关于投保险种条款的主要内容,有权指定和变更受益人,被保险人为无民事行为能力人或限制行为能力人的,可以由其监护人指定受益人
But , in policy - holder and insurant the circumstance that is not same person falls , the body that because be benefited , the implementation of authority involves insurant or life , be sure in order to obtain to prevent insurant of occurrence plot a murder golden morality is dangerous , protect the interest of insurant , " insurance law " while formulary policy - holder has authority to appoint beneficiary beneficiary , stipulate this kind is appointed again must agree via insurant 但是，在投保人与被保险人不是同一人的情况下，由于受益权的实现涉及到被保险人的身体或者生命，为了防止出现谋害被保险人以取得保险金的道德危险，保护被保险人的利益， 《保险法》在规定投保人有权指定受益人的同时，又规定这种指定必须经被保险人同意。
