Abstract: The insurant is the subject of right of claim for insurance benefits which is the result of the concerning transferring.The beneficiary is the subject of the derived right of claim for the insurance benefits.The beneficiary’s insurance not only confined to the event of death,but also can be applied to the property insurance.The right of claim for insurance benefits before the accident is incomplete creditor’s right.To be more specific,they can only ask for maintenance,not for actualization.Due to the different reasons of transferring,the production of beneficiary has two ways,namely determined by agent and by law.In a breakdown,it can either be determined in a specific way or can be decided by the contract.

Key words: insurance beneficiary, legal status, the nature of right, production method