劳合社与荷兰的安联保险及英国的再保险经纪人本菲·尔德合作，共同设计了这份保单，并由沃特金斯集团共同承保。

Lloyds worked with Allianz Nederland and British reinsurance broker Benfield to create the policy, co-insured by Watkins.

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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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