保险受益人权利保护与限制

保险合同中，受益人的保险金给付请求权属于固有权并非继受而来。保险事故发生后，受益人取得的保险金不得作为被保险人的遗产，不能用以清偿被保险人生前的债务，保险人受益权方能得到很好的保护。我们在充分保护受益人的同时也不能忽视：寿险合同具有储蓄性，倘若投保人为逃避债务，将自己的财产借寿险机制转赠于受益人，从而导致失去清偿债务的能力，则法律如何保护投保人的债权人的利益呢？笔者认为，我国的法律应该引入相应的规制机制，以保障被保险人的遗属获得足够的经济保障，同时兼顾投保人的债权人的利益，防止投保人利用寿险机制转移财产，逃避债务的清偿。

The protection and restriction of the benefit right in an insurance

In an insurance contract,the right of the beneficiary to seek the insurance premium is inherent.After an insured accident,the insurance premium that the beneficiary obtains can't be received as the heritage of the insurant and be used to discharge the insurant's debt before his(her) death.The following shouldn't be ignored while the beneficiary is being protected.The contract of life insurance has money-depositing nature.If the insurer,in order to escape debts,purposely presents his own property life insurance to the beneficiary and thus loses ability to discharge the debt,how does the law protect the interests of the insurer? The author thinks corresponding mechanisms should be introduced in our law to ensure the insurant's relatives to obtain enough economic guarantees while preventing the insurer from using the mechanism of the life insurance to shift the property or escape the discharge of the debt.