보험계약자변경
Verification of the Insurance Policyholder - focused on the debate since Tokyo High Court 2006.3.22. Decision-
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In 11 March 2006, Tokyo high court refused the policyholder's claim against the insurer to ask verification of the insurance contractor. This decision arouse a controversy about the power belongs whom to verification of the insurance contractor and the debate reach to the permission of viatical settlements in Japan. If the insurer refuse the endorsement on the ground of unsuitable reason, the policyholder seeking for viatical settlement company for sell their policy. Like Tokyo high court case, the driving force behind selling a policy in the secondary market versus surrendering the policy letting it lapse is money. In USA regulate the business by state law according to the NAIC Model Act and Regulation. The NAIC Model Act mainly focus on protecting the seller in a life settlement transaction by enacting disclosure and pricing requirements. The writer conclude that the insurer must permit modification of policyholder's name as soon as possible. And emphasize the important of the study on the viatical settlement business in Korea .
Abstract
In 11 March 2006, Tokyo high court refused the policyholder's claim against the insurer to ask verification of the insurance contractor. This decision arouse a controversy about the power belongs whom to verification of the insurance contractor and the debate reach to the permission of viatical settlements in Japan. If the insurer refuse the endorsement on the ground of unsuitable reason, the policyholder seeking for viatical settlement company for sell their policy. Like Tokyo high court case, the driving force behind selling a policy in the secondary market versus surrendering the policy letting it lapse is money. In USA regulate the business by state law according to the NAIC Model Act and Regulation. The NAIC Model Act mainly focus on protecting the seller in a life settlement transaction by enacting disclosure and pricing requirements. The writer conclude that the insurer must permit modification of policyholder's name as soon as possible. And emphasize the important of the study on the viatical settlement business in Korea .
참고문헌 (36)
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