The principle of indemnity, which limits recovery to the actual amount of a loss, generally does NOT apply to life insurance because a life policy is:

解析

Life insurance is a valued contract: it pays a predetermined face amount agreed upon at issue rather than reimbursing a measured loss, so the indemnity concept does not fit because a human life has no objective dollar value. Being a contract of adhesion, unilateral, or conditional are all true characteristics of a life policy, but none of them is the reason indemnity does not apply. Property insurance, by contrast, is an indemnity contract that reimburses actual loss.