对保险性质的讨论持续了多年至今尚未得出一致的结论。但在实际业务中,不少保户和保险人未将保险看成商品却是显而易见的。如:将财产连续投保几年且无索赔,有的保户便不愿花钱投保。他们感到这样投保,付出的保费是有去无回,保险的使用价值很难说。而商品交换一是要有使用价值,二是要等价。从保险人来说,尽管不少人都觉得保险是商品,但在具体业务中,也并没有把保险当商品来经营。如保户保险期满无索赔,续保时保险人便以安全返还部分保费或在续保保费上予以优惠,以稳住保户。在每一个保险年度内,无索赔 The discussions on the nature of insurance have not come to a consistent conclusion for many years. However, in actual business, it is obvious that many policyholders and insurers do not regard insurance as a commodity. Such as: the property has been insured for several years without claims, and some policyholders will not spend money to insure. They feel so insured, pay premiums go back, the use of insurance is hard to say. The first is the use of commodity exchange value, the second is equivalent. From the insurer, although many people think that insurance is a commodity, but in the specific business, it does not take the insurance to operate as a commodity. If the policyholder has no claim on expiry of the insurance, the insurer will refund some of the premiums safely or renew the premiums on renewal basis to stabilize the policyholders. No claims in each year of insurance