案情:徐老汉于2000年购买了两份大额人寿保险,保险金额均为30万元,其中一份30万元指定他老伴许某为受益人,而另一份30万元则没有指定受益人。2005年7月15日,徐老汉因病去世。债主们听到徐老汉去世的消息后,纷纷上门讨债,在他的财产远远不够清偿债务的情况下,债主们提出将保险金 Case: Xu Lao Hsu bought two large life insurance in 2000, the insurance amount is 300,000 yuan, of which 300,000 yuan to appoint his wife Xu as the beneficiary, while the other 300,000 yuan is not designated benefit people. July 15, 2005, Xu old man died of illness. After creditors heard the news of the death of Xu old man, have come to collect debt, in his property is far from enough to pay off the debt, the creditors proposed to insurance