1·Policy holder intentionally fabricates insurance object to deceive insurance money.
投保人故意虚构保险标的，骗取保险金的。
2·Policy holder or the beneficiary intentionally causes the death, injury, or sickness of the insured to deceive insurance money.
投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。
3·However, having restrictive conditions to the obligation, the policy holder does not need to undertake the disadvantageous legal consequence.
但是，若存在对告知义务的限制条件，投保人无须承担不利的法律后果。
4·Insurance's goals are to guarantee the cargo the security and policy holder's benefit.
保险的目的是为了保证货物的安全和投保人的利益。
5·Since no one can tell the future, it's not possible to know for certain whether the policy holder will or will not die during the term.
因为没有人可以告诉未来它不可能知道是否对某些或者投保人将不会死在任。