买保险必看：指定受益人和法定受益人的区别
<section style="max-width: 100%; box-sizing: border-box; background-color: rgb(255, 255, 255); word-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" powered-by="xiumi.us"><section style="margin-top: 10px; margin-bottom: 10px; max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section style="padding: 2px; max-width: 100%; box-sizing: border-box; border-top: 0.1em solid rgb(0, 122, 170); border-bottom: 0.1em solid rgb(0, 122, 170); line-height: 1.3; text-align: center; color: rgb(63, 63, 63); word-wrap: break-word !important;"><p style="max-width: 100%; box-sizing: border-box; min-height: 1em; word-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; word-wrap: break-word !important; min-height: 1em; max-width: 100%; box-sizing: border-box;"><span style="text-align: justify; color: rgb(63, 63, 63); letter-spacing: 1.5px; font-size: 16px; white-space: pre-wrap; background-color: rgb(255, 255, 255);">TOP论坛金牌讲师<span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; white-space: pre-wrap; background-color: rgb(255, 255, 255);"> 彭雀屏</span></span></p><p style="line-height: 1.75em; word-wrap: break-word !important; min-height: 1em; max-width: 100%; box-sizing: border-box;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; font-size: 16px;">指定受益人</span><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px;"> 法定受益人 </span></span></p><p style="line-height: 1.75em; word-wrap: break-word !important; min-height: 1em; max-width: 100%; box-sizing: border-box;"><span style="font-size: 16px;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px;">债权 </span><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; font-size: 16px;">受益权 </span><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px;">继承权</span><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"></span></span></p><p style="line-height: 1.75em;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"> 共计<span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">1832</span>字 建议阅读时间 <span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">5 </span>分钟</span></p><p style="max-width: 100%; box-sizing: border-box; min-height: 1em; word-wrap: break-word !important;"><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p></section></section></section><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;" powered-by="xiumi.us"><section style="max-width: 100%; box-sizing: border-box; word-wrap: break-word !important;"><section style="max-width: 100%; box-sizing: border-box; color: rgb(63, 63, 63); word-wrap: break-word !important;"><p style="max-width: 100%; box-sizing: border-box; min-height: 1em; font-size: 16px; word-wrap: break-word !important;"><br></p><p style="max-width: 100%; box-sizing: border-box; min-height: 1em; font-size: 16px; word-wrap: break-word !important;"><img width="22" class="__bg_gif" style="margin-right: auto; margin-left: auto; color: rgb(62, 62, 62); text-align: justify; line-height: 25.6px; white-space: normal; display: block; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: 22px !important;" data-ratio="0.45454545454545453" data-type="gif" data-w="22" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz%2FxP2dpBC9dTmia0nCfxiascuWZW260XkvLTxp5XNJSwYKBqKqvqKibol1hGFIM342vjlaYdAOiaJRxbrsxFeTDxMuHA%2F0%3Fwx_fmt%3Dgif"></p><p style="max-width: 100%; box-sizing: border-box; min-height: 1em; font-size: 16px; word-wrap: break-word !important;"><br></p><p><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;"></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">据《中国保险报》报道：重庆万县有一对叫袁海的夫妇，做电器生意，因为做生意要周转资金，他们就向亲戚朋友借了一些钱，也在银行借了80万的贷款。不幸的是，夫妻两人在进货的时候发生了车祸，双双离世。出事以后，电器城里的电器等物资都被变卖，优先偿还了亲戚朋友的钱，但是欠银行的钱实在没有能力还了。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">袁海夫妇生前购买过保险，意外身故保险金合计105.3万元，指定受益人是他们唯一的儿子。银行获悉这一消息后，就一纸诉状把孩子告上了法庭，希望能要回80万的贷款。然而最终，法院根据《保险法》规定，判银行败诉。这是</span><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">保险受益权大于债权</span><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">的一个典型案例。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">那么，什么是保险受益权？为什么买保险一定要写清楚受益人？指定受益人和法定受益人又有哪些区别呢？ </span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="text-align: center;"><span style="color: rgb(0, 122, 170);"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;">一、保险受益人的分类</span></strong></span><br></p><p style="text-indent: 0em;"><br></p></section></section></section></section><p style="line-height: 1.75em; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">保险受益权，又叫做保险金受领权，是指各种人身保险事故发生后请求和受领保险金的权利。保险受益人又称为“保险金领取人”，通常是指由被保险人或者投保人指定，在保险事故发生或者约定的保险期限届满时，依照保险合同享有保险金请求权的人。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="font-size: 16px;"><strong><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">|保险受益人的分类</span></strong><strong><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"></span></strong><strong><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"></span></strong></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="font-size: 16px;"><strong><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></strong><strong><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); box-sizing: border-box !important; word-wrap: break-word !important;"></span></strong></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">保险受益人分为两类，一类是指定受益人；一类是法定受益人。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">指定受益人：</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">由被保险人或投保人指定的有权获得理赔金的人，指定受益人没有人数的限制，投保人或者被保险人可以指定一个人或者同时指定几个人为受益人。</span></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">法定受益人：</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">如果投保人或者被保险人没有指定受益人，那么保险金就只能按照我国继承法的规定，由法定继承人来继承。《继承法》规定的第一顺位继承人包括：配偶、子女、父母。</span></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">投保时，很多客户会觉得“法定受益人”就是最亲密的家人，就算不写上他们的名字，最后遇到了保险事故，赔偿金也是给他们。但事实并非如此，投保时不指定好受益人，最终的赔偿结果可能与你的投保初衷大相径庭。</span></p><p><br></p><p style="text-align:center;line-height:150%"><span style="color: rgb(0, 122, 170);"><strong style="max-width: 100%; box-sizing: border-box !important; word-wrap: break-word !important;"><span style="color: rgb(0, 122, 170); max-width: 100%; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;">二、指定受益人Vs 法定受益人</span></strong></span></p><p><br></p><p><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">那么，“指定受益人”和“法定受益人”， 究竟有哪些区别呢？</span></p><p><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p><strong><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">|受益金分配意向的区别</span></strong></p><p><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">指定受益人可以说是非常的“任性”，它能够做到这六个字——“想给谁就给谁”。</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">比方说我有三个孩子，但保险金我就想留给老二，那我就把老二作为指定受益人，在投保书上只写老二名字。到时候受益金只能由老二来领，老大和老三都不能领。换句话说这个钱给谁，始终由我说了算。</span></span></p><p style="line-height: 1.75em;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><br></span></p><p style="line-height: 1.75em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">法定受益人只能做到“该给谁就给谁”。</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">如上文所说，法定受益人的第一顺序继承人包括：父母、配偶和子女。这就意味着如果没有指定受益人，来分保险金的人就特别多。</span></span></p><p><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><br></span></p><p style="line-height: 1.75em;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">拿一些高净值人士来说，他们可能会把人寿保险作为财富传承的一个手段。然而一旦遇到风险发生理赔时，“保险公司的赔偿金赔给谁”便成了个核心的问题。不指定受益人就可能存在“钱被不想分到的人分走”的情况。</span></p><p><br></p><p style="text-align: center;"><img style="width: 100%; height: auto;" data-ratio="0.5645833333333333" data-type="jpeg" data-w="480" data-s="300,640" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FYIPxibnWBQk9Sb8Q2sZBayvyYNVOnSIP2Rc70ia5aqmPJM9unLj1ibS3YrhItT9M3qtEEu86vb1Mw7Mhzrca1bjbg%2F0%3Fwx_fmt%3Djpeg"><br></p><p style="text-align: center;"><br></p><p><strong><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">|受益权与债权关系的区别</span></strong></p><p><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">很多人说买保险是避债避税，其实只有指定受益人才有可能做到这一点，而法定受益人是不能做到的。</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">因为当被保险人身故的时候，保险金如果写的是“法定受益人”，那么，这笔保险金将会被视为遗产来继承，这就意味着如果受益人愿意接受这笔遗产，他同时也需要承担被保险人生前的债务。换句话说，理赔款要优先偿付债务之后，剩余的部分才能被法定受益人领取。本文开始的案例袁海夫妇如果没有指定受益人，那么他们的身故赔偿金需要优先偿付欠银行的80万贷款，剩下的20多万才能由儿子领取。</span></span></p><p><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">另外，<span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">如果遗产税开征的话，作为遗产的保险金可能会被征收一定的遗产税。</span>这就意味着受益人最后实际到手的保险金额就会打折扣。</span>而指定了受益人的话，就可以免征税费，所获得的是最直接和最完整的赔偿金。</span></p><p><br></p><p style="text-align: center;"><img style="width: 100%; height: auto;" data-ratio="0.6" data-type="jpeg" data-w="300" data-s="300,640" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FYIPxibnWBQk9Sb8Q2sZBayvyYNVOnSIP2Vmskjg8n5flwVlG0WY6kLJDdpaHNQQDmhTwdUFw5gXRa5ILsRs1pEQ%2F0%3Fwx_fmt%3Djpeg"><br><br></p><p style="line-height: 150%; text-indent: 0em;"><strong><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;">|保险金领取流程复杂程度的区别</span></strong></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; color: rgb(0, 122, 170); font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">指定受益人：手续更简单，只需要确定受益人和被保险人的关系就可以了，因为它的保险金分配是一种“背靠背”的分配理念。</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">比如被保险人的两个孩子被指定为受益人，受益比例分别为：老大60%，老二40%。那么，当发生理赔时，老大只需要出示他的身份证明，就可以把理赔款的60%领走，而不需要老二在场，也不需要老二签字。流程更简单，而且相对比较隐秘，不会让家庭关系变得很复杂。</span></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">法定受益人：手续比较复杂，它是“面对面”的分配理念，少一个不来都不行。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="text-align: justify; letter-spacing: 1.5px; font-size: 16px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">广州就发生过这样一个案例：一个投保人身故了，他的身故保险受益金写的是“法定”，总共有5个受益人，每个受益人可以拿到的钱大概是4000元左右。但是其中有一个受益人在上海，他如果从上海飞到广州，往返的机票、食宿以及其他的一些成本远远超过4000元，更尴尬的是这几个受益人之间的关系不是很和谐，所以这个上海的受益人就说:我不来了，如果一定要我来，那你们四个就要给我凑路费。结果导致其余的4个受益人一时之间都不能领取受益金。</span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p style="line-height: 1.75em; text-indent: 0em;"><span style="font-size: 16px;"><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">总之，和法定受益人相比，</span><span style="text-align: justify; color: rgb(0, 122, 170); letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">指定受益人：更“任性”，保险金想给谁就给谁；更“保险”，保险金受益权大于债权；更“合算”，免征所得税；更“简单”，保险金领取手续简单便捷。一句话，购买保险，受益人“指定”优于“法定”，</span><span style="text-align: justify; letter-spacing: 1.5px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">现在，您清楚了吗？</span></span></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 16px; box-sizing: border-box !important; word-wrap: break-word !important;"><br></span></p><p><em><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 14px; box-sizing: border-box !important; word-wrap: break-word !important;">我在10月25日的文章</span></em><em><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 14px; box-sizing: border-box !important; word-wrap: break-word !important;">“同样交5万保费，为什么有人赔300万，有人一分钱都不赔?”</span></em><em><span style="max-width: 100%; letter-spacing: 1.5px; text-align: justify; font-size: 14px; box-sizing: border-box !important; word-wrap: break-word !important;">中，和大家探讨了“保险究竟有没有用？保险能帮我们解决哪些问题？以及怎么才能正确的购买保险？”等问题，收到了很多同仁的留言反馈。关于“受益人填写”，也欢<strong>迎大家留言发表您的看法</strong>，共同探讨交流！</span></em></p><p style="line-height: 150%; text-indent: 0em;"><span style="max-width: 100%; font-size: 15px; letter-spacing: 1.5px; text-align: justify; box-sizing: border-box !important; word-wrap: break-word !important;"></span><br></p><p style="line-height: 150%; text-indent: 0em;"><span style="color: rgb(63, 63, 63); font-size: 15px; letter-spacing: 1.5px; text-align: justify; white-space: pre-wrap; background-color: rgb(255, 255, 255);">专题编辑：鸿骏</span></p><p style="text-align: center;"><br></p><p style="max-width: 100%; min-height: 1em; background-color: rgb(255, 255, 255); line-height: 25.6px; text-align: center; box-sizing: border-box !important; word-wrap: break-word !important;"><img width="auto" style="line-height: 1.6; box-sizing: border-box !important; word-wrap: break-word !important; visibility: visible !important; width: auto !important;" data-ratio="1.671875" data-type="jpeg" data-w="640" data-s="300,640" src="https://lymx.com.cn/source/plugin/csdn123_news/display_picture.php?url=http%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz%2FYIPxibnWBQkicP9KiahZlSfWYQgYjd9ib0ZzeG86MIwMMI9xzXegibKQ1TWVwXmlZE25xgicdZrLuIicECZVVh5vTUE6w%2F640%3Fwx_fmt%3Djpeg"><br></p><section style="line-height: 25.6px; word-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important; 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