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问题	保险合同到期的退费协议应注意什么
释义	保险合同到期退费协议的规定： 1.返本型保险在保险到期后，可以拿回本金，实际获得的保障通过这笔保费的利息来支付成本； 2.消费型保险在到期后通常无法拿回回本金的，因为这类保险的保费很低。【本文关联的相关法律依据】《保险法》第十条保险合同是投保人与保险人约定保险权利义务关系的协议。第十六条规定投保人故意隐瞒事实，不履行如实告知义务的，或者因过失未履行如实告知义务，足以影响保险人决定是否同意承保或者提高保险费率的，保险人有权解除保险合同。
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