编辑同志: 我父亲生前为他自己投保了人身意外伤害险,并指定了受益人是我。今年夏天,我父亲去赣江游泳,因体力不支,不幸溺水身亡。后保险公司履行了保险合同,将两万元保险金支付给了我。上个月,我父亲的一位朋友说我父亲生前欠了他人民币1万元,向法院起诉,要求我从两万元的保险金中偿还这笔欠款。请问:他的做法是否合法?这笔保险金能归我所有吗? 南昌读者:叶茜 Editor’s Comrade: My father insured himself against personal accidental injury during his lifetime, and designated the beneficiary as me. This summer, my father went swimming in the Ganjiang River, unfortunately, due to lack of energy, drowning died. After the insurance company fulfilled the insurance contract, paid 20,000 yuan insurance to me. Last month, one of my father’s friends said that my father owed him 10,000 yuan during his lifetime and sued the court, demanding that I pay the sum of money from the 20,000 yuan of insurance premium. Excuse me: Is his practice legal? Can this insurance be owned by me? Nanchang Readers: Ye Qian