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.

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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.

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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.

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