Legal analysis: if parents buy insurance for their children under 18, then the father or mother is the insured, the children are the insured, and the legal first beneficiary is the parents, followed by grandparents; If parents buy insurance for children over 18 years old, then the father or mother is the insured and the children are the insured, then the legal first beneficiary is the wife (or husband) of the insured, followed by the children and the parents of the insured; If an adult buys insurance for himself, he is both the insured and the insured, and the first beneficiary is his wife or husband, followed by his children and parents; If an enterprise buys insurance for its employees, then the enterprise is the insured, the employees are the insured, and the beneficiaries are the employees' wives or husbands, children and parents. If the creditor buys insurance for the debtor, then the creditor is the insured, the debtor is the insured, and the beneficiary is the creditor rather than the relative of the insured. People who have no insurance interest can't be insured, that is to say, they can buy insurance for others except for 4.5 cases, and they can't buy insurance for their non-relatives in other cases.

Legal basis: Article 127 of the Civil Law of People's Republic of China (PRC) is inherited in the following order: (1) The first order: spouse, children and parents; (2) The second order: brothers and sisters, grandparents and grandparents. After the inheritance begins, the successor in the first order inherits, and the successor in the second order does not inherit; If there is no successor in the first order, it is inherited by the successor in the second order. The children mentioned in this part include children born in wedlock, children born out of wedlock, adopted children and stepchildren with dependency. The parents mentioned in this part include biological parents, adoptive parents and step-parents with dependent relationship. Brothers and sisters referred to in this part include brothers and sisters of the same parents, half-brothers, adopted brothers and sisters, and stepbrothers and sisters with dependent relationship.

skill

The above answer is only for the current information combined with my understanding of the law, please refer carefully!

If you still have questions about this issue, I suggest you sort out relevant information and communicate with professionals in detail.