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根据我国《保险法》规定,被保险人死亡后,没有指定受益人;或受益人先于被保险人死亡,没有其他受益人的;或受益人依法丧失受益权或者放弃受益权,没有其他受益人的,保险金作为被保险人的遗产,由保险人向被保险人的继承人履行给付保险金的义务。此时,被保险人的继承人即是法定受益人。 一般而方言,法定受益人是被保险人的法定继承人,他以继承遗产的方式接受保险人给付的保险金。法定受益人应当具备以下条件:
According to China’s “Insurance Law”, after the death of the insured, there is no designated beneficiary; or the beneficiary dies before the insured person and has no other beneficiaries; or the beneficiary lawfully loses the right of beneficiary or renounces the beneficiary right without any other beneficiaries , The insurance money as the insured’s heritage, from the insurer to the insured’s heirs to fulfill the obligation to pay the insurance money. At this point, the insured’s heirs are legal beneficiaries. Generally and dialect, the legal beneficiary is the legal successor of the insured person, he inherits the inheritance of the insurer to accept the insurance payments. Legal beneficiaries should meet the following conditions: