【正文】 atives as beneficiaries. ? 投保人指定受益人時須經(jīng)被保險人同意。 ? Article 38 An insurer may not resort to litigation to require payment from a proposer in respect of life insurance premiums. ? 第三十八條 保險人對 人壽保險 的保險費，不得用訴訟方式要求投保人支付。但是，自合同效力中止之日起滿二年雙方未達(dá)成協(xié)議的，保險人有權(quán)解除合同。 請確認(rèn)您的保險合同無欠交保險費 合同另有約定 超過約定期限六十日 自催告之日起超過三十日 Personal Insurance Contract ? （第二款） If an insured event occurs in respect of the insured during the period specified in the preceding paragraph, the insurer shall pay the insurance benefits in accordance with the contract, but may deduct the outstanding insurance premium therefrom. ? 被保險人在前款規(guī)定期限內(nèi)發(fā)生保險事故的， 保險人 應(yīng)當(dāng)按照合同約定給付保險金，但可以扣減欠交的保險費。 ? The restrictions of the first paragraph hereof shall not apply to personal insurance policies taken out by parents for their minor children. ? hereof adv. 于此；關(guān)于此點 ? 父母為其未成年子女投保的人身保險，不受本條第一款規(guī)定限制 Personal Insurance Contract ? Article 35 A proposer may, in accordance with the contract, pay the entire insurance premium to the insurer in one lump sum or pay it in installments. ? 第三十五條 投保人 可以按照合同約定向 保險人 一次支付全部保險費或者分期支付保險費。但是，因被保險人死亡給付的保險金總和不得超過國務(wù)院保險監(jiān)督管理機構(gòu)規(guī)定的限額。 ? Article 33 A proposer may not take out a personal insurance policy stipulating death as a condition for payment of insurance benefits for a person without capacity for civil acts, and an insurer may not insure the same. proposer take out 辦理 (保險 )手續(xù) personal insurance 人身保險 stipulating ......as a condition 以 .......為條件 a person without capacity for civil acts 無民事行為能力人 第三十三條 投保人不得為無民事行為能力人投保以死亡為給付保險金條件的人身保險，保險人也不得承保。 ? If the age of the insured reported by the proposer is false, resulting in the proposer paying a lower insurance premium than the insurance premium that should have been paid, the insurer shall have the right to correct the same and request the proposer to make up for the premium in short, or, when paying insurance benefits, disburse the same in proportion to the percentage of the insurance premium that should have been paid accounted for by the insurance premium actually paid. ? 投保人申報的被保險人年齡不真實，致使投保人支付的保險費少于應(yīng)付保險費的，保險人有權(quán)更正并要求投保人補交保險費，或者在給付保險金時按照實付保險費與應(yīng)付保險費的比例支付 。 ? If the age of the insured reported by the proposer is false and the insured’ s true age does not ply with the age restriction specified in the contract, the insurer may terminate the contract and refund, in accordance with the contract, the cash value of the policy. The third paragraph and sixth paragraph of Article 16 hereof shall apply to the exercise by the insurer of its right to terminate the contract. ?投保人申報的被保險人年齡不真實，并且其真實年齡不符合合同約定的年齡限制的，保險人可以解除合同，并按照合同約定退還保險單的現(xiàn)金價值。 ? In addition to the circumstances mentioned in the preceding paragraph, the proposer shall be deemed to have an insurable interest in the insured if the insured consents to theconclusion of the contract by the proposer on his/her behalf. ? 除前款規(guī)定外，被保險人同意投保人為其訂立合同的，視為投保人對被保險人具有保險利益。 ? 3. other family members or close relatives, in addition to those aforementioned, who have a foster, support or maintenance relationship with the proposer。 ? Personal Insurance Contract ? Article 31 ? A proposer shall have an insurable interest in t