保险合同法定解除的法律效果应当以矫正因违约方的原因或者客观情况的变化而导致的利益失衡为导向。本文将对保险合同法定解除法律效果的现状、存在的问题进行分析,并对保险合同法定解除是否具有溯及力的问题进行探讨。并且对保险合同法定解除的法律效果在立法上提出自己的建议,即保险合同法定解除应当具有溯及力,维护法律的明确性。 The legal effect of legal termination of insurance contracts should be guided by the correction of the imbalance of interests caused by the reasons for the non-compliance of the parties or the changes in the objective circumstances. This article will analyze the status quo and existing problems of the statutory legal remedy of the insurance contract and discuss whether the statutory dissolution of the insurance contract has retrospective effect. And the legal effect of the statutory dissolution of the insurance contract puts forward its own suggestion in legislation. That is, the statutory dissolution of the insurance contract should have retrospective effect and maintain the clarity of the law.