我国《保险法》规定 ,除了投保人对自身具有无限保险利益外 ,人身保险的保险利益仅存在于一定的亲属关系之间 ,至于生意合伙人之间、债权人与债务人之间、雇主与雇员之间、单位与员工之间虽然在经济上有利害关系 ,但是并不构成人身保险的保险利益。除父母为其未成年子女投保外 ,投保人为被保险人投保以死亡为给付保险金条件的人身保险 ,必须经被保险人书面同意。因此 ,保险人在承保人身保险时 ,要坚决按照保障利益原则办事 ,对没有保险利益的人身保险合同绝不予签订 ,这样才能把防范道德风险的工作落到实处 China’s “Insurance Law” stipulates that in addition to the insured person has unlimited insurance benefits for themselves, the insurance benefits of life insurance exist only in certain kinship relationships, as between business partners, creditors and debtors, between employers and employees Although there is an economic interest between the unit and the employee, it does not constitute the insurance benefit of personal insurance. Except for parents insuring their minor children, the insured person is insured by the insured person to pay the insurance premiums for the conditions of life insurance, must be the written consent of the insured. Therefore, when insurers insure their personal insurance, they must act conscientiously in accordance with the principle of safeguarding their interests, and never sign a life insurance contract without insurance benefits, so as to prevent the moral hazard from being implemented