Legal provisions of the conflicts and contradictions, especially the "suicide clause" and the insured Disclaimer intentional crime, if not to regulate the insurer is likely to be a technical defense tool. 法律条款的冲突和矛盾,尤其是自杀条款和被保险人故意犯罪免责条款,如不加以规制极有可能成为保险人的技术性抗辩工具。