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编辑同志:2010年11月8日,我丈夫与一家企业签订了一份为期两年的劳动合同。一周后,企业与保险公司签订了一份人身综合定额保险合同,为我丈夫投保了意外伤害保险,合同指定企业为受益人,保险期限为一年,保险金额为30万元,但我丈夫对此一直并不知晓。一个月前,我丈夫在家因触电意外死亡。近日,我才得知企业投保一事且企业已经从保险公司获得30万元的保险理赔。对于我的索要,企业以其是投保人且系保险合同指定的唯一受益人为由拒绝。请问:企业的理由成立吗?
Editor’s Comrade: On November 8, 2010, my husband signed a two-year labor contract with a company. A week later, the company signed a personal comprehensive fixed insurance contract with the insurance company, insured my husband against accidental injury insurance, and the contractual designated company was the beneficiary. The insurance period was one year and the insured amount was 300,000 yuan, but my husband This has not been known. A month ago, my husband died of an accidental electric shock at home. Recently, I learned that a business insured business and the company has received 300,000 yuan from the insurance company claims insurance. For my claim, the business refused on the grounds that it was the policyholder and the sole beneficiary of the insurance contract. Excuse me, is the reason for the company established?