指定受益人是被投保人指定有权获得理赔金的人。指定受益人并无人数的限制，投保人可不指定或同时指定数人为受益人，也不限于自然人，法人亦可被指定为受益人。
它现在属于一位未在其契约中指定受益人的信托。
It is owned by a trust whose beneficiaries are not specified in its deed.
中德安联保险专家黄海燕表示，保单上有指定受益人的情况下，指定受益人继承要优于法定受益人继承。
Allianz China Life insurance expert Huang Haiyan says when there is specific beneficiary in an insurance policy, the designated beneficiary is superior to legal beneficiary in property inherit.
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