受益人与相关债权人的利益衡平问题

Analysis on Interests in Equity between the Beneficiary and Relevant Creditors

投保人、受益人之债权人是否可以主张死亡保险金利益,关系到债权人与受益人利益保护的平衡问题。投保人之债权人原则上无权主张保险金利益,也无权请求解除保险合同,但在投保人行为损害其债权时,可以在保险费限度内主张其债权;受益人之债权人无权主张保险金利益,即使在保险金成为受益人财产后,该债权人也无权要求受益人偿还债务。我国立法应对上述问题做出明确规定。

Whether the beneficiary and applicant′s creditors have the right to claim death insur-ance benefits correlates with interests in equity between the beneficiary and relevant creditors.In principle,the applicant′s creditor doesn′t have the right to claim insurance benefits,and to re-quest to relieve insurance contract.But when the applicant damages creditor＇s rights,the creditor has the right to claim death insurance benefits within the limit of the insurance premium.The beneficiary′s creditor doesn′t have the right to claim insurance benefits,even the insurance bene-fits becomes the beneficiary′s property,the creditors have no right to require the beneficiary to repay the debt.Our insurance legislation should make clear about these problems.