If the loan contract is not in operation, insurance agent should not bear legal liability.

借款合同尚未生效，保险人不应当承担保险责任。

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In the end, an optimal principal agent contract between non-life insurance companies and professional agent is designed to avoid professional agent's moral hazard in marketing.

为了避免专业代理人展业中的道德风险，设计了非寿险公司与专业代理人之间的最优委托代理合同。

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Surrender costs exist, among other reasons, to insure that the insurance company has the money long enough to repay themselves for the outlandish commission they paid the agent to acquire the contract.

FORBES: Gotcha! A Hard Look The Annuity Business