The Insurance Law has corresponding provisions on this:
Article 43 An applicant shall not take out life insurance for a person without civil capacity, nor shall an insurer take out life insurance for a person without civil capacity, and the applicant intentionally causes death, disability or illness of the insured.
The insurance company has no responsibility to pay the insurance premium. If the applicant pays the insurance premium for more than two years, the insurer shall return the cash value of the insurance policy to other obligees in accordance with the contract.
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Relevant provisions of the Insurance Law:
Article 35 The applicant may pay the insurance premium to the insurer in one lump sum or in installments as agreed in the contract. Unless otherwise agreed in the contract, if the insured fails to pay the current insurance premium for more than 30 days from the date of the insurer's demand,
Or if the current insurance premium has not been paid within 60 days after the agreed time limit, the validity of the contract is suspended, or the insurer reduces the insurance amount according to the conditions agreed in the contract, the insurer shall pay the insurance premium according to the contract.
Article 37 If the contract is terminated in accordance with the provisions of Article 36 of this Law, and the insurer terminates the contract in accordance with the provisions of the preceding paragraph with the consent of the insurer and the applicant through consultation, the insurer shall return the cash value of the insurance policy according to the contract after the applicant pays the insurance premium.
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