保险区别于赌博的地方就在于投保人对于保险标的具有保险利益。本案中因单位集体投保 ,后因经费困难而请职工个人交付保险费 ,但有的职工个人不愿交付 ,财会人员则个人垫付保险费 ,到期后 ,财会人员要自己领取保险金 ,这违反了保险利益原则 ,所以该单位财会人员不能领取保险金。 Where insurance differs from gambling is that policyholders have an insured interest in the subject matter of insurance. In the present case, due to the collective insurance of the unit, individual employees are required to pay the insurance premium due to the financial difficulties. However, some employees are reluctant to deliver the insurance premiums. However, the financial officers pay the premiums personally. After the expiration, the accounting staff should collect the insurance premiums themselves, The principle of insurance interests, so the unit accounting staff can not receive insurance payments.