不可撤銷受益人享有既得權利，未經其同意，保單持有人不得更改該項指定或作出損害其權利的行為。
An irrevocable beneficiary has a vested right, so the policy owner cannot change the designation or prejudice that right without the beneficiary's consent.
不可撤銷受益人享有既得權利，未經其同意，保單持有人不得更改該項指定或作出損害其權利的行為。
An irrevocable beneficiary has a vested right, so the policy owner cannot change the designation or prejudice that right without the beneficiary's consent.