《保险法》应该修改了。虽然法律应该具有一定的稳定性，但相对于日新月异的保险市场及我国即将进入 ＷＴＯ的现状，《保险法》仍有许多亟待完善的地方，何况在它刚出台时，本身就存在着某些先天的不足。对此在该法即将迎来颁布施行五周年之际，本文拟提出以下几方面的修改建议 The Insurance Act should be revised. Although the law should have some stability, but relative to the ever-changing insurance market and our country is about to enter the WTO status quo, “Insurance Law” there are still many areas to be improved, not to mention its just introduced, there are some inherent insufficient. In this regard, the law is about to usher in the fifth anniversary of the promulgation and implementation of this article to propose the following suggestions