Article 94 an insurance company shall set aside an outstanding loss reserve for the amount of insurance indemnity or the amount of the insurance benefits which have already been claimed , and for those amounts due for which the insured events have occurred , but which has not yet been claimed 第九十四条保险公司应当按照已经提出的保险赔偿或者给付金额，以及已经发生保险事故但尚未提出的保险赔偿或者给付金额，提取未决赔款准备金。
In the event that there is more than one beneficiary , the insured or the applicant may specify the order of distribution of the payment of the insurance benefits and their respective proportions ; in the absence of such specifications on proportions , all the beneficiaries shall share the benefits on an equal basis 受益人为数人的，被保险人或者投保人可以确定受益顺序和受益份额；未确定受益份额的，受益人按照相等份额享有受益权。
The insurance industry has worked with the relevant regulatory authorities in developing illustration standards which aim to enhance the transparency of life policies by providing prospective policyholders with a summary illustration of insurance benefits , investment returns and surrender values 保险业为提高寿险保单的透明度，与有关规管机构合作，制定了销售说明标准，向潜在的保单持有人就保险利益、投资回报及退保发还金额提供说明摘要。
Article 24 after receiving a claim for indemnity or payment of the insurance benefits from the insured or the beneficiary , the insurer shall issue to the insured or the beneficiary a notice declining indemnity or payment of the insurance benefits for any events not falling within the scope of the cover 第二十四条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，对不属于保险责任的，应当向被保险人或者受益人发出拒绝赔偿或者拒绝给付保险金通知书。
If the applicant , the insured or the beneficiary , following the occurrence of an insured event , provides forged and altered relevant evidence , information or other proofs , falsifies the cause of the occurrence of the insured event or overstates the extent of the loss , then the insurer shall bear no obligation for indemnity or payment of the insurance benefits for the portion which is falsified or overstated 保险事故发生后，投保人、被保险人或者受益人以伪造、变造的有关证明、资料或者其他证据，编造虚假的事故原因或者夸大损失程度的，保险人对其虚报的部分不承担赔偿或者给付保险金的责任。
Article 2 " insurance " is the term used in this law to refer to a commercial insurance transaction whereby an insurance applicant , as contracted , pays insurance premiums to the insurer , and the insurer bears an obligation to indemnify for property loss or damage caused by an occurrence of a possible event that is agreed upon in the contract , or to pay the insurance benefits when the insured person dies , is injured or disabled , suffers diseases or reaches the age or term agreed upon in the contract 第二条本法所称保险，是指投保人根据合同约定，向保险人支付保险费，保险人对于合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或者达到合同约定的年龄、期限时承担给付保险金责任的商业保险行为。
If the applicant , the insured or the beneficiary intentionally causes the occurrence of an insured event , except as under the first paragraph of article 64 of this law , the insurer may terminate the insurance contract , bear no obligation for indemnity or payment of the insurance benefits and decline to return the premiums paid 投保人、被保险人或者受益人故意制造保险事故的，保险人有权解除保险合同，不承担赔偿或者给付保险金的责任，除本法第六十四条第一款另有规定外，也不退还保险费。
In the event that the applicant has misstated the age of the insured , thus underpaying the premiums , then the insurer shall have the right to correct the misstatement and request the applicant to pay the balance , or to reduce the payment of the insurance benefits in proportion to the amount of premiums actually paid to the amount that should have been paid 投保人申报的被保险人年龄不真实，致使投保人支付的保险费少于应付保险费的，保险人有权更正并要求投保人补交保险费，或者在给付保险金时按照实付保险费与应付保险费的比例支付。
Article 23 the insurer shall , in a timely manner after the receipt of a claim for indemnity or for payment of the insurance benefits from the insured or the beneficiary , ascertain and determine whether to make the indemnity or effect the payment of the insurance benefits , and shall fulfill its obligations for such indemnity or payment within ten ( 10 ) days after an agreement is reached with the insured or the beneficiary on the amount of indemnity or payment 第二十三条保险人收到被保险人或者受益人的赔偿或者给付保险金的请求后，应当及时作出核定；对属于保险责任的，在与被保险人或者受益人达成有关赔偿或者给付保险金额的协议后十日内，履行赔偿或者给付保险金义务。
Article 27 the insurer may terminate the insurance contract and refuse to return the premiums paid if the insured or the beneficiary falsely claims that an insured event has occurred , and submits a claim for indemnity or payment of the insurance benefits , although such insured event has not occurred 第二十七条被保险人或者受益人在未发生保险事故的情况下，谎称发生了保险事故，向保险人提出赔偿或者给付保险金的请求的，保险人有权解除保险合同，并不退还保险费。
