保险受益人作为与投保人、被保险人并列的保险合同的三大主体之一,在保险合同中具有重要的地位。受益权是受益人根据保险合同而享有的保险金给付请求权,是受益人的主要权利。对受益权的性质、指定、变更、消灭等内容的分析,对于明确受益人的地位、明确受益人与投保人、被保险人在保险合同中的关系都具有重要的意义。 As one of the three main subjects of the insurance contract, the insured beneficiary has the important position in the insurance contract. The beneficiary is the beneficiary’s right to claim insurance benefits under the insurance contract and is the main right of the beneficiary. The analysis of the nature, designation, change and extinction of beneficiary rights is of great significance for clarifying the status of the beneficiaries and clarifying the relationship between the beneficiaries and the policyholders and the insurers in the insurance contracts.