想問一下，受益人是由誰指定的，是投保人還是被保人
？

《保險法》第39tiaoguiding
，renshenbaoxiandeshouyirenyoubeibaoxianrenhuozhetoubaorenzhiding。toubaorenzhidingshouyirenshixujingbeibaoxianrentongyi。toubaorenweiyuqiyoulaodongguanxidelaodongzhetoubaorenshenbaoxian，budezhidingbeibaoxianrenjiqijinqinshuyiwaiderenweishouyiren。beibaoxianrenweiwuminshixingweinenglirenhuozhexianzhiminshixingweinenglirende，keyiyouqijianhurenzhidingshouyiren。

保(bao)險(xian)的(de)受(shou)益(yi)人(ren)可(ke)以(yi)由(you)投(tou)保(bao)人(ren)指(zhi)定(ding)，也(ye)可(ke)以(yi)由(you)被(bei)保(bao)險(xian)人(ren)指(zhi)定(ding)，由(you)投(tou)保(bao)人(ren)指(zhi)定(ding)受(shou)益(yi)人(ren)時(shi)，需(xu)要(yao)經(jing)過(guo)被(bei)保(bao)險(xian)人(ren)同(tong)意(yi)，由(you)被(bei)保(bao)險(xian)人(ren)指(zhi)定(ding)受(shou)益(yi)人(ren)時(shi)，不(bu)需(xu)要(yao)經(jing)過(guo)投(tou)保(bao)人(ren)同(tong)意(yi)。

muqian，baoxiandeshouyirenkeyizhidingweiyige，yekeyizhidingweiduoge，zhidingweiduogeshi，toubaorenhebeibaoxianrenxuyaoquedingshouyishunxuheshouyifene，ruguomeiyouquedingshouyishunxuheshouyifene
，namedoujianganzhaoxiangdengfenexiangyoushouyiquan。

而er在zai此ci要yao提ti醒xing一yi下xia大da家jia的de是shi

，保bao險xian的de受shou益yi人ren又you分fen為wei生sheng存cun受shou益yi人ren和he身shen故gu受shou益yi人ren，生sheng存cun受shou益yi人ren一yi般ban來lai說shuo會hui指zhi定ding為wei被bei保bao險xian人ren本ben人ren
，身shen故gu受shou益yi人ren一yi般ban會hui指zhi定ding為wei被bei保bao險xian人ren的de配pei偶ou、子女和父母。

當然無論是指定誰為受益人
，隻要確定該受益人不會危及被保險人的人身安全，不會為了獲得保險金
，而故意危害被保險人就可以了。

yibanlaishuo
，jiankangbaoxiandeshouyirendoushiyoubeibaoxianrenlaizhidingde。dangran
，toubaorenyenenggouzhidingshouyiren
，danshiyouyigeqianti
，najiushiyaozhengqiubeibaoxianrendetongyi

，fouzejiuhuibeishiweimeiyouzhidingshouyiren。duiyuyixiemeiyouhuozhebeixianzhileminshixingweinenglidebeibaoxianren，zeyoutamendejianhurenjinxingzhidingshouyiren。suoyixiaonuojianyi，ruguoshitoubaorenyaojinxingzhidingshouyiren，yidingyaotiqianzhengqiubeibaoxianrendetongyi。