With the development of insurance , insurance company with solid economical foundation can force applicants for insurance to accept the standard - form contract 隨著現代保險業的發展,保險人在經濟或其它方面的優勢地位已成為不爭的事實。
The legal insurance beneficiary is the person who is entitled the right to take the insurance money in accordance with the law when the applicant for insurance or the insured does not designate his beneficiary or when the designated beneficiary dies before the insured or the designated is deprived of his beneficial right or abandon his right 保險受益人只能是被保險人之外的人,而不能是被保險人本人。法定受益人,指在投保人、被保險人未指定受益人或者指定的受益人先于被保險人死亡或者喪失受益權、放棄受益權時,由法律規定的享有領取保險金權利的人。