변액보험의 운용과 법적 문제점
Legal Problems and Investment Performance of Variable Insurance
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Abstract
Variable Insurance set up a separate accounts by the money received from the sale of the variable life insurance contracts. Insurance company invest this separate accounts fund through securities, bond and this risk is borne by beneficiaries, namely a rule of caveat emptor. So, the insurer must fully explain contents of the variable insurance to the insured. If the insurer violate this explanation obligation, he should compensate for the loss. One Way, Variable Life Insurance and variable annuities is ruled under Act on Indirect Investment Assets Performance in Korea. Separate accounts of Variable Insurance is regarded as Investment Trust in Act on Indirect Investment Assets Performance. And then Insurance Company can operate it directly by being authorized from Financial supervisory commission, Otherwise there are three type for perform, namely, the Investment Adviser, Mutual fund and entrusting to a Assets Performance Company. But it is problem that separate accounts is performed in a method Investment adviser, because that way is not same other type in the regulations aspect, and has no depositary in principle. And I suggest that organize the meeting of variable life insurance contract-holders.
참고문헌 (28)
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