在保险合同法定解除领域,诚信是法定解除的价值基础和基本原则。基于诚信,保险人可以行使法定解除权;诚信对法定解除制度本身亦具有修正作用。对价平衡是法定解除的直接依据和次级原则。只有在对价失衡情形下,保险人方可行使法定解除权。保险合同法定解除权是一种权利,同时又是一种限制。 In the field of statutory dissolution of insurance contract, honesty and credit are the value basis and basic principle of statutory dissolution. Based on honesty and faith, the insurer can exercise the statutory right of cancellation; honesty also has the effect of amending the statutory dissolution system itself. The balance of consideration is the direct basis and secondary principle of statutory dissolution. Only in the case of an imbalance of consideration, the insurer may exercise its statutory immunity. The legal right to terminate the insurance contract is a kind of right, at the same time it is a kind of restriction.