各国保险立法在“未指定受益人时死亡保险金归属于谁”的问题上，存在属于“被保险人继承人”、“投保人”、“保单所有人”，这三种不同观点。分歧的原因，从立法本身来考察，在于这三个主体的法律地位与权利分配在不同国家立法上存在差异；从其理论基础来看，在于对死亡保险金的性质有不同的认识，分别存在被保险人债权说、投保人债权说和保单所有人债权说这三种学说。这三种学说分别产生于不同的保险市场，源于对人寿保险功能的不同认识。因此我国保险立法的相关规定具有历史合理性。%On death claims′distribution without beneficiary,some countries have three different attitudes:belonging to the insured′s heir,the applicant,the owner of the policy.The agent be-hind this disagreement is,from the legislation itself ,difference between the legal status and rights distribution of the three subjects.From the theoretical basis,it is because of different un-derstanding about death claims′nature which belong to the insured,or the applicant,or the own-er of the policy.The three theories were produced in different insurance market,based on differ-ent views on life insurance function.therefore,the relevant provisions of China's insurance law has historical rationality.
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