Because people without capacity for civil conduct have no ability to protect themselves.

If the policy holder insures the person and kills the person in order to obtain the insurance money, it is easier to obtain compensation.

For minors whose parents buy this kind of insurance, as a precaution, the law also limits the total amount of death benefit insurance to reduce moral hazard.

According to the "Insurance Law", policyholders are not allowed to purchase personal insurance for persons without civil capacity that requires death as a condition for payment of insurance benefits, and the insurer is also not allowed to underwrite the insurance.

Life insurance purchased by parents for their minor children is not subject to the restrictions in the preceding paragraph.

However, the total amount of insurance benefits payable due to the death of the insured shall not exceed the limit prescribed by the Insurance Regulatory Authority of the State Council.