According to the Insurance Law, for personal insurance that requires death as the condition for payment of insurance benefits, the beneficiary is designated by the insured. When the policyholder changes the beneficiary, written consent from the insured is required.

If a husband, as the policy holder, insures his wife’s life insurance with death as the condition for payment of insurance benefits and designates the husband as the beneficiary, he must obtain the written consent of the insured, the wife, otherwise it will be invalid.

In addition, if the policy holder intentionally injures (kills) the insured, even if the insured's written consent is obtained at the time of taking out the policy, his or her right to benefit will be lost because the policy holder intentionally commits the injury.

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