The IAD Research

The insurer of insurance contract is concluded that obligation refers to the process, in order to make policy-holder can understand understand the contract underwriter and policy-holder the rights and duties in the relationship, the insurer to policy-holder explain the contents of the contract obligations, usually, also called the "watch duties". The underwriter demonstrative obligation legal system theory and practical significance with characteristics. Insurance contract is a format contract with a highly professional and technical features, the underwriter demonstrative obligation system of establishment and improvement of the most direct reality value is to protect the interests of the applicant, balance the underwriter and policy-holder status, but also for the insurance industry's long-term stability and development. Although our country "insurance law" have already been established in the system, but the law still too principle, about that some content of the obligations prescribed by law is not perfect, such as insurance agent and insurance salesman of subject identity, the underwriter demonstrative obligation that way, to specific categories and explain that violates the obligation of legal consequence, these problems.