保險設計士의 保險者 代理權 存否에 관한 硏究 - 告知受領權을 중심으로 -
A study on the Limitation of Insurance Salesmen's Rights
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This paper studies on the Legal Issues on the Limit of Insurance Salesmen's Rights under the Insurance Regulation Law. The Insurance Salesmen make a contract with insurer and work to insurer’s business. As it were, they canvass for insurance commodities to the general public and invite to insured for the insurer. Therefore, on all of occasions the general public who will make contract with insurer have an interview with an insurance salesmen, and People make contract through the mediation of an insurance salesmen. That is in a general way. But they don't have any rights about an insurance contract, as it were, three rights. Those are rights of the contract, rights of the receipt of disclosure, rights of the receipt of insurance premium. Particularly, one of the three rights the most problem is rights of the receipt of disclosure. In the case of contract of insurance insured have to give the insurer notice about important things for the contract. That is disclosure and representation duty of insured. If they don't carry out this duty, the insurer can cancel the contract any time, and the insurer need not pay the insurance money to insured by the contract. In this case, the insured should be inflicted a loss. Therefore, this paper suggest a partial amendment of insurance salesmen system in the Insurance Regulation Law.
Abstract
This paper studies on the Legal Issues on the Limit of Insurance Salesmen's Rights under the Insurance Regulation Law. The Insurance Salesmen make a contract with insurer and work to insurer’s business. As it were, they canvass for insurance commodities to the general public and invite to insured for the insurer. Therefore, on all of occasions the general public who will make contract with insurer have an interview with an insurance salesmen, and People make contract through the mediation of an insurance salesmen. That is in a general way. But they don't have any rights about an insurance contract, as it were, three rights. Those are rights of the contract, rights of the receipt of disclosure, rights of the receipt of insurance premium. Particularly, one of the three rights the most problem is rights of the receipt of disclosure. In the case of contract of insurance insured have to give the insurer notice about important things for the contract. That is disclosure and representation duty of insured. If they don't carry out this duty, the insurer can cancel the contract any time, and the insurer need not pay the insurance money to insured by the contract. In this case, the insured should be inflicted a loss. Therefore, this paper suggest a partial amendment of insurance salesmen system in the Insurance Regulation Law.
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