受益人是人身保险合同中因指定而享有保险金请求权的人,受益人资格不受限制。投保人和被保险人可变更受益人。受益权是受益人享有的主要权利,其产生是基于投保人、被保险人和保险人的双方意图。受益权的行使受除斥期间限制,可因某些原因丧失。受益人应承担相应义务。 The beneficiary is a person in the life insurance contract because of the right to claim insurance claims, the beneficiary is not restricted. Policyholders and insureds may change beneficiaries. Benefit is the beneficiary’s main right to enjoy, its production is based on the insured, the insured and the insurer’s intention of both parties. The exercise of the right to benefit is subject to the period of exclusion, which may be for some reason lost. Beneficiaries should bear the corresponding obligations.