西安市鄠邑区人民法院   民事判决  书   （2019）陕0118民初3533号   原告：孙小玲，女，1970年5月12日出生，汉族，住西安市鄠邑区，身份证号码：610XXXXXXXXXXXXXXX。   委托代理人：袁强，陕西省老法律工作者协会法律工作部法律工作者。   被告：温思佳，男，1997年6月7日出生，汉族，住西安市鄠邑区，身份证号码：610XXXXXXXXXXXXXXX。   委托代理人：王小英，陕西沣京律师事务所律师。   原告孙小玲诉被告温思佳共有纠纷一案，本院立案受理后，依法适用普通程序公开开庭进行了审理。原告孙小玲之委托代理人袁强与被告温思佳之委托代理人王小英均到庭参加诉讼。本案现已审理终结。   原告孙小玲向本院提出诉讼请求：1、依法判令被告返还原告关于温某某的保险赔偿金10000元；2、本案诉讼费用由被告承担。事实与理由：2010年8月27日原告与温某某登记结婚，温某某系被告温思佳之父，原告系被告温思佳之继母。2019年4月8日温某某因工伤去世，温某某生前在中国人寿保险公司投保的保险赔偿金15000元由被告领取。原告认为，该15000元保险赔偿金中的10000元应归原告所有，故诉至本院，要求支持其诉讼请求。   被告温思佳辩称：原告所述不完全属实，涉案保险是温某某生前与被告温思佳之母陈某某在1996年婚姻存续期间投保的，该保险指定的受益人是陈某某，且涉案保险的保险金已由陈某某领取。综上，原告起诉被告主体不适格，且原告不是涉案保险的受益人，被告不同意原告的诉讼请求。   当事人围绕各自的主张依法提交了证据，本院组织当事人进行了证据交换和质证。                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          原告孙小玲围绕其诉讼请求提交投保记录截图一份作为证据，证明涉案保险投保时间是2006年11月26日，生效日期是2006年11月30日，基本保额为15000元，每年缴费1095元，缴费期限为十年。被告未提交证据。   被告对原告提交的证据没有异议，本院对原告提交的证据予以认定。   根据原告提交的证据及双方当事人的陈述，本院确认如下事实：   温某某系被告温思佳之父，陈某某系被告温思佳之母，在温某某与陈某某婚姻关系存续期间，温某某于2006年11月26日在中国人寿保险股份有限公司投保国寿康恒重大疾病保险，保险生效日期是2006年11月30日，基本保额为15000元，每年缴费1095元，死亡赔付金额为15000元，缴费期限为十年，被投保人为温某某，受益人为陈某某，受益份额为100％。之后，温某某与陈某某离婚，原告与温某某于2010年8月27日登记结婚。2019年4月8日温某某因故死亡。原告于2019年9月19日诉至本院，要求被告返还保险赔偿金10000元。审理中，被告温思佳称陈某某委托其领取保险赔偿金，其将领取的保险赔偿金10000元已交给陈某某。   本院认为，受益人是指人身保险合同中由被保险人或者投保人指定的享有保险金请求权的人。《中华人民共和国保险法》第四十二条：“被保险人死亡后，有下列情形之一的，保险金作为被保险人的遗产，由保险人依照《中华人民共和国继承法》的规定履行给付保险金的义务：（一）没有指定受益人，或者受益人指定不明无法确定的；（二）受益人先于被保险人死亡，没有其他受益人的；（三）受益人依法丧失受益权或者放弃受益权，没有其他受益人的。受益人与被保险人在同一事件中死亡，且不能确定死亡先后顺序的，推定受益人死亡在先。”   本案中，温某某在为其投保人身保险时，指定受益人为陈某某，受益份额为100％，故在被保险人温某某死亡后，其保险金应由受益人陈某某领取，故原告要求分割该保险金，没有法律依据，对原告该诉讼请求不予支持。现依据《中华人民共和国保险法》第十八条、第三十九条、第四十二条之规定，判决如下：   驳回原告孙小玲的诉讼请求。   本案诉讼费50元，由原告孙小玲负担。   如不服本判决，可在判决书送达之日起十五日内，向本院递交上诉状，并按对方当事人的人数提出副本，上诉于陕西省西安市中级人民法院。       审判长谢水浪   人民陪审员魏友谊   人民陪审员杨碧寒       二○二○年九月二十二日     书记  员吴天资      1