If the loan contract is not in operation, insurance agent should not bear legal liability.
借款合同尚未生效，保险人不应当承担保险责任。
Civil liability for violation of civil obligations should bear the legal consequences.
民事责任是违反民事义务应承担的法律后果。
Civil liability for violation of civil obligations should bear the legal consequences.
民事责任是违反民事义务应承担的法律后果。
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