我国《保险法》对受益人“丧失受益权”的规定不甚合理且前后有矛盾之处,给实际操作带来不便,因而有必要对其深入研究,以求更科学的规定,充分保障人身保险合同当事人和关系人的合法权利。 一、概述 人身保险合同以被保险人的寿命和身体作为保险标的,被保险人对其当然具有保险利益并享有保险金给付请求权及其处分权。被保险人有权指定任意第三人为享有保险受益权的受益人,该受益权仅当保险事故发生后,才转化为现实的 The “Insurance Law” in our country is not reasonable for the beneficiaries to “lose the right to benefit” and has inconsistencies before and after, causing inconvenience to the practical operation. Therefore, it is necessary to study it in depth so as to seek more scientific provisions and fully guarantee life insurance The legal rights of the parties and related parties. First, an overview of life insurance contracts to the insured’s life and body as the subject of insurance, the insured of course, have an insurance interest and enjoy the insurance claim and the right to dispose of. The insured has the right to designate any third party as the beneficiary of the insurance beneficiary’s right, which only becomes a reality after the insured incident