보험모집수수료 체계의 문제점과 법정책 과제 - 실질적인 보험료 인하를 통한 보험소비자 보호의 관점에서 -

Abstract

As the initiative of insurance solicitation is switched to GA insurance ag encies from insurance companies, problems of insurance solicitation commissi on are highlighted. Insurance companies competitively offer not only estimate d expense but also policy expenses to GA insurance agencies to sell insuran ce, and insurance solicitors belonging to GA excessively sell insurance produ cts that they can receive high commission from, so civil complaints and inco mplete sales have increased. There is also a situation that insurance solicitors change jobs to GA insurance agencies that offer higher commissions or ince ntives than existing insurance companies or insurance agencies. This situation resulted in prevalence of contracts that seriously damage the insurance solicit ation order such as incomplete sales, Policy Replacement and orphan policy. Therefore, financial authorities try to improve the commission system. They announced the plan that the current advanced payment system can be combin ed with payment by installment, and from 2021, the revised insurance superv ision regulations regarding business expenses and insurance solicitation comm ission will be enforced. If an insurance company spends more than estimated expenses, the profit system of the company will be bad and premium can be raised, so it is necessary to advance the solicitation commission system from the perspective of insurance consumer protection. However, the system shoul d be compensated within the scope that free competition among insurance so licitation organizations is guaranteed. If insurance products are similar, and th e premium rates are not that different, the differentiation of insurance produc ts can be found in the difference of business expenses. Therefore, an approp riate alternative is that business expenses are realistically measured according to the main agents of insurance solicitation and specific solicitation methods, and these are reflected to increase and decrease of premium. As 'Insure-tech' is rapidly developed, and insurance related tasks such as solicitation, designin g, maintenance and payment become possible by AI, it is important to induc e sound competition among insurance solicitation organizations by adopting n ew competitive methods properly. The insurance solicitation commission shou ld have realistic difference, which should be reflected to premium. Based on this, new solicitation methods should be adopted so that fair and free compe tition among insurance solicitation organizations can be activated.