This is the meaning place with safe person originally , but some policy - holder , beneficiary beneficiary produces the opinion that murder for money however , cause insurant intentionally death , disable or disease , in order to win insurance gold , want to undertake criminal punish lawfully not only to this kind of person , and also cannot make its win insurance gold , this also is the protection to the underwriter 这本来是人身保险的意义所在，但是有的投保人、受益人却产生图财害命的想法，故意造成被保险人死亡、伤残或者疾病，以获得保险金，对这种人不仅要依法进行刑事制裁，而且也不能使其获得保险金，这也是对保险人的保护。
