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受益人是指人身保险合同中被保险人或投保人指定的有保险金请求权的人。投保人、被保险人均可作为受益人,投保人、受益人与被保险人之间应存在保险利益关系,即一定利害损失关系,如夫妻、父母与子女、债权人与债务人等。购买寿险如何指定受益人,请您注意以下几点: 1．指定要明确。切不可模糊概念,譬如用“我妻子”、“我孩子”这类词语,而是应该明确指出姓名,避免日后纠纷。
Beneficiary refers to the people in the life insurance contract specified by the insured person or policyholder has the right to insurance people. The insured person and the insured person can all be the beneficiaries. The policyholder, the beneficiary and the insured should have the insurance interest relationship, that is, the relationship between the loss and interest, such as husband and wife, parents and children, creditors and debtors. How to designate the beneficiary to buy life insurance, please note the following: 1. Specify to be clear. Do not vague concepts, such as the words “my wife”, “my child”, but should clearly indicate the name, to avoid future disputes.