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道德危险问题一直伴随着保险业的发展,这在死亡保险合同中表现得更为明显。死亡保险关乎被保险人的生命,让被保险人通过自己的意思表示来判断投保人为其投保的动机是十分重要的；对防止道德危险的发生也有非常积极的作用。所以应当对死亡保险合同中被保险人的资格加以限制,但应当分类对待。
The issue of moral hazard has been accompanied by the development of the insurance industry, which has become even more evident in the death insurance contract. Death insurance relates to the life of the insured person. It is very important for the insured person to judge the insured person ’s motivation for insuring by his own meaning expression. It also plays a very positive role in preventing moral hazard. Therefore, the qualification of insured person in the death insurance contract should be limited, but it should be classified.