Subject matter: Life insurance is not within the scope of debt recovery. What are the terms of the contract law?

I've been studying this problem for a long time and finally figured it out? Article 73 of the Contract Law Where the debtor is slow to exercise the creditor's rights due, thus causing damage to the creditor, the creditor may request the people's court to subrogate the debtor's rights in its own name.

Except that the creditor's rights belong exclusively to the debtor.

It is mainly "except that the creditor's rights belong exclusively to the debtor himself".

We didn't understand this sentence.

Article 73 of the Contract Law is understood by examples:

I owe my unit 20,000 yuan, and if I don't pay it back at maturity, which causes damage to the unit, the unit may request the people's court to exercise my creditor's rights in the name of the unit.

The last important sentence:

Except that the creditor's rights belong exclusively to the debtor.

On the Contract Law

Elements of subrogation

There are four explanations, the fourth of which is as follows.

(4) The debtor's creditor's rights are not exclusive to the debtor. Creditor's rights exclusively belonging to the debtor refer to claims for payment and labor remuneration, pension, pension, resettlement fees, personal insurance, personal injury compensation and so on. Arising from dependency, dependency, dependency and inheritance.

Conclusion: The unit cannot exercise the creditor's rights that belong to me by subrogation. Including life insurance and personal injury compensation claims.