中文：

受益人是保险合同中非常重要的概念，指的是在保险事故发生或到达保险合同约定的条件时，有权获得保险金的人。受益人可以是一个人或者多个人，也可以是法人或者其他组织。

受益人在保险合同中通常是由投保人或者被保险人指定的，可以在签订保险合同时或者在之后通过变更受益人的方式进行指定。受益人可以是任何人，包括亲属、朋友、同事等，但通常来说，受益人应该是那些在保险事故发生时能够获得经济上的帮助，并且与被保险人有密切关系的人。

受益人的权益通常在保险合同中进行了约定，包括保险金的支付方式、时间、金额等。受益人可以通过提交相关的证明文件来申请领取保险金。如果受益人无法领取保险金或者没有指定受益人，那么保险金将按照法律规定进行分配。

在购买保险时，投保人应该认真考虑并指定受益人，以确保在不幸事件发生时，能够得到最大的经济保障和安慰。同时，投保人也应该随时关注受益人的情况，并在必要时进行变更。

英文：

The beneficiary is a very important concept in insurance contracts, referring to the person who is entitled to receive insurance benefits when the insurance accident occurs or the conditions specified in the insurance contract are met. The beneficiary can be one person, multiple people, or a legal person or other organization.

In insurance contracts, the beneficiary is usually designated by the policyholder or the insured, either at the time of signing the insurance contract or by changing the beneficiary at a later time. The beneficiary can be anyone, including relatives, friends, colleagues, etc. Typically, however, the beneficiary should be someone who can receive financial assistance at the time of an insurance accident and has a close relationship with the insured.

The rights and interests of the beneficiary are usually agreed upon in the insurance contract, including the payment method, time, and amount of the insurance benefits. The beneficiary can apply for the insurance benefits by submitting relevant证明文件. If the beneficiary is unable to receive the insurance benefits or no beneficiary has been designated, then the insurance benefits will be distributed according to legal provisions.

When purchasing insurance, the policyholder should carefully consider and designate the beneficiary to ensure maximum economic security and comfort in the event of an unfortunate event. At the same time, policyholders should also keep track of beneficiary situations and make changes when necessary.