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생명보험계약상 자살면책기간의 연장

The Extension of Exclusion Period in Life Insurance Contract

김선정
한국경영법률학회 (The Korean Academic Society Of Business Administration And Law)|2013.01|경영법률 (Journal of Business Administration & Law)|제23권 제2호|pp. 329-373

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참고문헌

키워드

자살면책(suicide exclusion)자살조항(suicide clause)자살면책기간(suicide exclusion period)면책기간의 연장(extension of exclusion period)정신능력이 결여된 자살(suicide with insane)불가쟁조항(incontestable clause)
주제분류법학

초록

A suicide clause typically covers the first one or two years that the policy is in force, depending on the insurance company. If suicide occurs during that time period, the insurer will only return to the policyholder's beneficiaries any premiums that have been paid to that point. If suicide occurs after the clause period, the insurer cannot deny coverage by exclusion period clause. Nowadays, this aspect is regulated by legislation and many states require a statutory suicide clause to be included in the policy terms. The statutory clause varies in each countries. Most countries have a two year exclusion period. Some provide only one year or three years period. It is deemed that keeping up the resolve to die for two years is a rare occurrence, even when considerable money is at stake. This is why generally a two year limitation applies. In Korea the exclusion period clause was provided in standard general conditions written by financial supervisory authority. In a recent years, as Korea's suicide rate becoming the top in the world, large amount of death benefit was paid for suicide death by insurer. With the exponential growth of death benefit, FSC and FSA announced that they under reviewing whether or not the extension of exclusion period. The writer do not oppose the extension, but emphasize that should be a good enough reason to convince consumers.

Abstract

A suicide clause typically covers the first one or two years that the policy is in force, depending on the insurance company. If suicide occurs during that time period, the insurer will only return to the policyholder's beneficiaries any premiums that have been paid to that point. If suicide occurs after the clause period, the insurer cannot deny coverage by exclusion period clause. Nowadays, this aspect is regulated by legislation and many states require a statutory suicide clause to be included in the policy terms. The statutory clause varies in each countries. Most countries have a two year exclusion period. Some provide only one year or three years period. It is deemed that keeping up the resolve to die for two years is a rare occurrence, even when considerable money is at stake. This is why generally a two year limitation applies. In Korea the exclusion period clause was provided in standard general conditions written by financial supervisory authority. In a recent years, as Korea's suicide rate becoming the top in the world, large amount of death benefit was paid for suicide death by insurer. With the exponential growth of death benefit, FSC and FSA announced that they under reviewing whether or not the extension of exclusion period. The writer do not oppose the extension, but emphasize that should be a good enough reason to convince consumers.

참고문헌 (58)

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