Legal analysis: Lucky shooting contracts include insurance contracts, futures contracts, financial option contracts, etc. The lucky shooting contract is a two-way contract, and both parties have the obligation to pay each other. The subject matter of a lucky contract does not actually exist when the contract is concluded, but is an opportunity to obtain the subject matter.

Legal basis: Article 10 of People's Republic of China (PRC) Insurance Law is an agreement between the insured and the insurer on insurance rights and obligations. The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract. An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.

Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness. Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.