一、问题的提出我国保险法规定,在保险合同有效期内,投保人可以和保险人协商变更保险合同的有关内容。除了保险法另有规定或保险合同另有约定外,保险合同成立后,投保人可以解除保险合同。保险法赋予了投保人变更权和解除权。但是,在人身保险合同中,合同的利害关系人除了投保人、保险人之外,还有被保险人和受益人。保险法仅仅赋予投保人变更权和解除权,而对被保险人和受益人在这种情况下的权利状态则无相关的规定,也完全没有规定被保险人和受益人的变更权和解除权,这是否定会使后者的权利或者是利益总 First, the issue raised China’s Insurance Law provides that the duration of the insurance contract, the insured can negotiate with the insurer to change the contents of the insurance contract. Except as otherwise provided in the Insurance Law or as otherwise agreed in the insurance contract, after the insurance contract is established, the policyholder may terminate the insurance contract. Insurance Law gives the insured change and the right to cancel. However, in the life insurance contract, the interested parties of the contract have the insured and beneficiaries in addition to the policyholders and insurers. Insurance Law only gives the insured change and the right to change, and the insured and the beneficiary in this case the state of the state there is no relevant provisions, but also absolutely does not require the insured and the beneficiary of the right to change and the right of cancellation, This is the negative will make the latter’s total rights or interests