後備受益人是只有在第一受益人均已不在世或不能領取時，才有權收取保險金的受益人。
A contingent beneficiary is entitled to the proceeds only if every primary beneficiary has died or cannot take the benefit.
後備受益人是只有在第一受益人均已不在世或不能領取時，才有權收取保險金的受益人。
A contingent beneficiary is entitled to the proceeds only if every primary beneficiary has died or cannot take the benefit.