【多选题】【消耗次数：1】
保险合同的当事人有（ ）
①
A投保人
②
B 被保险人
③
C 受益人
④
D 保险人
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唯一的受益人先于被保险人死亡，紧接着被保险人死亡，则保险金应（ ）
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A在受益人的继承人中均分
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C作为遗产处理
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若寿险合同中没有指定的受益人，被保险人死亡时，保险人对保险金的正确处理方式是（ ）。
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A．由投保人领取
②
B．由投保人的法定继承人领取
③
C．由被保险人的法定继承人领取
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D．按无受益人处理，上缴社会公益基金
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smart
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