被保险人因故意犯罪导致死亡的保险人不承担给付保险金责任,在保险纠纷诉讼中可以就故意犯罪进行实质性的审查和确认,对于故意犯罪的证明标准宜采优势证据的证明标准。在犯罪行为与因果关系的认定上,只要被保险人实施的犯罪预备行为、犯罪实行行为或实行终了后的行为显著提高了其死亡的风险的即可认定具有因果关系。 The insurer who dies because of intentional crime does not assume the responsibility of paying the insurance money. In the litigation on insurance disputes, substantive examination and confirmation of the intentional crime can be conducted. The standard of proof for intentional crime should be based on the evidence of the superior evidence. In the determination of criminal acts and causality, the causal relationship may be deemed as long as the insured’s criminal preparatory acts, criminal acts or post-implementation behaviors significantly increase their risk of death.