我国2002年修正的《保险法》(以下简称“旧法”)第65条对受益人故意造成被保险人死亡、伤残或疾病的,受益人均丧失受益权。此法律效果之界定,在司法实践中遇到许多问题,诸多学者多次提出修改建议。2009年修订的《保险法》第43条采纳了保护善意受益人利益的观点,规定实施故意致害行为的受益人丧失受益权,相对于旧法相关规定有了较大的进步。然而,修改过后的规定依然有许多不足之处,有待进一步完善。保险归根结底保障的是被保险人的利益。发生保险事故若被保险人尚生存,保险金一般归被保险人所有。在实务中,保险单上多注明“生存满期 Article 65 of the ”Insurance Law“ (hereinafter referred to as the ”old law“) as amended in 2002 in China shall have no right of beneficiary if the beneficiary deliberately causes the death, disability or illness of the insured person. The definition of this legal effect, in judicial practice encountered many problems, many scholars put forward suggestions for amendment. Article 43 of the Insurance Law revised in 2009 adopts the view of protecting the interests of bona fide beneficiaries and stipulates that the beneficiaries who intentionally cause harm will lose the right to benefit and has made great progress relative to the relevant provisions of the old law. However, there are still many inadequacies in the revised provisions, which need to be further improved. After all, insurance protects the interests of the insured. If an insured person survives an insured event, the insured person generally owes the insured. In practice, the insurance policy more than stated ”Survival expire