But the situation that keep is cast for employee in employer , the true volition that employer uses its advantage position very easily to violate employee reachs the agreement that appoints employer to be beneficiary beneficiary with its , violate the intendment of employee thereby and encroach its legal interest .

但在雇主为雇员投保的场合，雇主很轻易利用其优势地位违反雇员的真实意志与其达成指定雇主为受益人的协议，从而违反雇员的真意并侵犯其合法利益。