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Can the insurance beneficiary be changed?
Of course. The beneficiary of insurance is himself first, followed by immediate family members. It can be specified or legal. But generally, you don't need to write yourself as the beneficiary, because the insurance contract is to benefit yourself first, because insurance is your own personal property. If the beneficiary is the insured himself, the insurance compensation will be taken as the insured's inheritance and inherited by his legal heir. The applicant can change the beneficiary, but it must obtain the consent of the insurer and the beneficiary. There are two kinds of insurance beneficiaries, legal beneficiaries and designated beneficiaries. Designation is superior to statutory. If the beneficiary is designated, once the insured dies, he can get compensation from the insurance company. If it is the legal beneficiary, the situation is different. If the insured still has debts to pay, the death insurance premium needs to pay the debts first. If the insured has not designated a beneficiary, his legal heir shall be the beneficiary. According to the law, under any of the following circumstances, the insurance premium is the heritage of the insured, and the insurance company shall perform the insurance premium obligation in accordance with the relevant provisions.