张女士与孙先生结婚期间,孙先生为张女士买了人寿保险,保险金额为10万元,年缴保费3100元,受益人为孙先生。谁知天有不测风云,两年后两人离婚了。不过,由于离婚时双方未就保单的有关权益达成协议,离婚后张女士虽然已缴纳了1年的保费,但保单上的受益人仍然是孙先生。最近,张女士要求变更受益人。于是,双方就该保单的权益问题发生争执。孙先生认为该 During the marriage of Ms. Zhang and Mr. Sun, Mr. Sun bought life insurance for Ms. Zhang, with the insured amount of 100,000 yuan and annual premium of 3,100 yuan, benefiting Mr. Sun. Surprisingly, unexpected weather, two divorced two years later. However, since the two parties did not reach an agreement on the rights and interests of the policy at the time of divorce, although Ms. Zhang has paid one year's premium after the divorce, the beneficiary on the policy is still Mr. Sun. Recently, Ms. Zhang asked to change the beneficiaries. As a result, both parties dispute the rights and interests of the policy. Mr. Sun believes that