投保人

The paper presented the author′s interpretation and comments on this clause and put forth suggestions on how to enhance applicability and effectiveness of this clause to further improve on the reinstatement clause of life insurance contract in China′s Insurance Law. Such undertaking is expected to better balance relationship among the insurer, the applicant, the insured and the beneficiary.

摘要］复效是人寿保险合同的一项特有规定，本文通过阐述对复效条款的理解和见解，提出增强复效条款的适用性和实效性，进一步完善我国《保险法》人寿保险合同中复效制度的建议，以期能有助于更好地平衡保险人、投保人、被保险人和受益人的利益关系。

She recommended that the government apologise to policyholders and compensate them for losses incurred as a consequence of the maladministration. In December the Commons public administration committee agreed with her, stating:"Where regulators have been shown to fail so thoroughly, compensation should be a duty, not a matter of choice."

她建议政府向投保人道歉并赔偿他们因行政失当而遭受的损失。12月，国会下院公共行政委员会同意她的建议，表示："在事实表明监管机构如此彻底失败的情形下，赔偿应该是一种职责，而不是一件可以选择的事情"

Given the fact that the insurer always fails to commit his explanation obligation strictly in line with current laws, the manners of explanation obligation, namely, combining insurer's active explanation with positive reply, and the modificative common standard should be promulgated in a bid to compromise interests of the insurer and the policy holder.

目前保险人对于说明义务的履行达不到法律要求，应改进说明义务的履行方式，采取保险人主动说明与回答咨询相结合的方式，并采取"修正的一般标准"以兼顾保险人与投保人的利益平衡。

In the third chapter, the author analyzes a series of problems about moral hazard.

第三章是分析投保人投保后产生的一系列的道德风险问题。

The uncertainty, changeability and moveability of insurance value, the personal elements in loss weighing of the insurance object, and the interest conflicts between the policy-holder and the insurant are the economical reasons for these swindling acts.

保险价值的不确定性、可变性、可移动性与保险标的损失程度衡量的人为性以及保险人与投保人、被保险人之间的利益冲突是保险欺诈的经济原因。

But since mortgages people have insurance benefits, he will be policyholder when he is insured people at the same time.

但是既然抵押权人是有保险利益的，他作为投保人的同时也是被保险人。

Therefore, if every policyholder pays a small amount into the ''.

因此，如果每个投保人都支付少量的保费，''。

But when the policyholder is mortgages people, the situation should be different.

但是如果投保人是抵押权人时，情况又有所不同。

It is the obligation of every policyholder to pay the premium.

保险费是保险人的收入来源，支付保费是投保人的基本义务。

Thus, the policyholder dividends in the purchase of insurance before difficult to predict the future dividend income.

因而，投保人在购买分红保险之前是很难预料未来分红收益的。

The split between the two groups can hardly be papered over.

这两个团体间的分歧难以掩饰。

This approach not only encourages a greater number of responses, but minimizes the likelihood of stale groupthink.

这种做法不仅鼓励了更多的反应，而且减少跟风的可能性。