从保险目的的角度考虑，提出可保利益应同样适用于受益人，并经投保人或被保险人指定而产生。

From the insurance purpose, the author puts forward that insurable interest also applies to the insurance beneficiary who is designated by the applicant for insurance or the insured.

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此外，投保人以上述人员以外的任何第三人的生命作为保险标的，在征得该第三人的书面同意(written consent)时，投保人视为享有可保利益。

What's more, so long as the insurance on the life of another is accompanied by the insured's written consent, an insurable interest is assumed.

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