在保险条款的拟订权和审批权没有完全下放的情况下,大多数基层公司为灵活展业方式,往往采取与投保人签订协议的形式,设计、开发、试办新的保险业务险种,这对促进基层公司业务发展无疑会起到积极作用,其作法值得提倡,作用和效果也应该肯定。 保险协议是协议的形式之一,两者只有种属之分,而无其它之别。所谓保险协议,就是投保人和保险人依据各自的主观意愿,按照协议 Under the condition that the formulation and examination and approval power of the insurance clauses are not completely delegated, most of the grass-roots companies are flexible ways of developing exhibitions. They often design, develop and pilot new types of insurance business by signing an agreement with the policyholders. The development of grass-roots companies will undoubtedly play an active role in business development. Its practice is worth promoting and its role and effectiveness should be affirmed. Insurance agreement is one of the forms of agreement, both only sub-genus, and nothing else. The so-called insurance agreement, is the policyholder and the insurer according to their own subjective wishes, according to the agreement