宣告死亡是我国民法中的制度 ,本文针对宣告死亡制度在保险业中是否适用 ,是否可以作为保险人的免责条款约定于保险条款之中 ,以及被宣告死亡人重新出现时将如何处理已经支付的保险金等问题进行探讨 ,并介绍美国保险业中的相关规定 ,以资借鉴。 To declare that death is the system of civil law in our country, this article aims at declaring whether the death system is applicable in the insurance industry, whether it can be stipulated in the insurance clauses as an exemption clause of the insurer and how to deal with what has been paid when the death is reappeared Insurance and other issues to discuss and introduce the relevant provisions of the insurance industry in the United States, in order to learn from.