Insurance is a tool to provide protection, transfer risks and plan life. Mainly manifested in: in order to prevent future risks, the insured pays the insurance premium to the insurer, and the insurer undertakes the liability of compensation deposit for the losses caused by the risks accordingly. From the perspective of economics, insurance is a financial way to spread unexpected risks; From the legal point of view, insurance is a kind of contractual behavior, and the insurer is responsible for the risk loss according to the agreement.
The common property of husband and wife refers to the property acquired by husband and wife during the marriage relationship, including wages, bonuses, labor remuneration, operating income, investment income, intellectual property income, inherited or donated property and other property that should be owned by * * *.