人寿保险实际上是为死亡投保，这是个让人极度不快的话题。
Life insurance is actually an insurance against one of you dying; it's a very unpleasant topic.
然后对投保人的行为进行了研究，在此基础上对临沂市的财产保险市场进行了细分，并确定了临沂人保的目标市场；
Thirdly, the writer studies the behaviors of the Insured, subdivided the property insurance market in Linyi City and clarifies the targeting market of PICC Linyi.
在实体法上我国应该在法律中明确保险人、投保人、承保条件、承保险种、保险金额、代位和补偿等基本内容，并应该规定得具体、明确。
The law also should lay down the insurance contents, such as the insurer, the insured, the insurance prerequisite, the insurance coverage, the insured amount and the insured liability etc.
保险利益是投保人或被保险人与保险标的之间的法律上的关系。
Insurable interest is the interest that the law requires the insured to have in the thing or person insured.
反之，如果上一保险年度没有发生索赔，保险公司将降低投保人的续期保费。
On the contrary, if there is no claim in the previous insurance year, the insurance company would reduce the policy-holder's renew premium.
反之，如果上一保险年度没有发生索赔，保险公司将降低投保人的续期保费。
On the contrary, if there is no claim in the previous insurance year, the insurance company would reduce the policy-holder's renew premium.
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