保险利益原则是保险法的一项重要的原则。人身保险利益是为实现预防赌博和道德风险的目的而设立的,它对我国保险业健康有序的发展起到了举足轻重的作用。我国《保险法》规定,人身保险的投保人应当具有保险利益。在新旧保险法中,对人身保险的保险利益的规定也有不同。研究人身保险的保险利益对于相关利益人权利的保护和保险公司利益的维护有着重要的意义。 The principle of insurance benefits is an important principle of insurance law. The interest of personal insurance is set up for the purpose of preventing gambling and moral hazard. It plays a decisive role in the healthy and orderly development of China’s insurance industry. China’s “Insurance Law” stipulates that the policyholders of life insurance should have insurance benefits. In the old and new insurance law, the insurance benefits of life insurance also have different provisions. It is of great significance to study the insurance benefits of personal insurance for the protection of the rights and interests of the relevant stakeholders and for the protection of the interests of insurance companies.