為什麼人壽保險不是賠償合同？
為什麼人壽保險不是賠償合同？
 Life insurance is not a contract of indemnity because it is the other type of insurance contract, a "valued contract". Indemnity insurance pays a benefit equal to the financial loss and seeks to return the insured to their original financial position. It is impossible to succinctly assess the value of a life, to insure it with an indemnity contract. A valued contract pays a stated sum, regardless of the loss incurred, which is how life insurance operates.
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