The obligor includes not only insuranceapplicant , but also its agent and the insured .
告知义务人不仅包括投保人，还应包括投保人的代理人和被保险人。
2
An applicant or a beneficiary defrauds insurance money by deliberately causing the death, disability or illness of the insured.
投保人、受益人故意造成被保险人死亡、伤残或者疾病，骗取保险金的。
3
The insurer shall issue to the applicant in good time, an insurance policy or other insurance certificate, which indicates the terms and conditions as agreed upon by both parties.