생명보험에서 자살면책에 관한 연구 = A study on suicide exclusion in life insurance

다국어 초록 (Multilingual Abstract)

Life insurance contract terms provide that when the insured suicidesbeyond the free decision due to mental defection etc, the life insurer mustpay the insured money. Perhaps the chief reason why even if the suicidedefects the fortuity, the life insurer is liable for the beneficiary is theprotection of the surviving family. Life insurance practices in the mostcountries limitedly insure against the insured’s suicide similarly to Korean lifeinsurance.
Recently Korean society worries about the rapid increase of the suicide,Korean suicide rate has marked the top among OECD countries. Koreangovernment has struggled to lessen the numbers of the suicide.
These days Korean Insurance Research Institute has issued the researchingresult on “How the excluding period’s clause under the life insuranceimpacts on the suicide.” It concluded that the suicide rate has rapidlyincreased after the lapse of excluded period(2 years) under the life insurancecontract terms. It explains that the insureds are inclined to commit a suicideafter 2 years beginning from the concluding date of insurance contract inorder to leave insured money for surviving family.
It has been widely heard that Financial Services Commission hasinternallydecided that it would prolong the excluded period from 2 years tolonger time at least.
This paper aims at comparatively studying the excluded period of thesuicide, and suggesting the reform measures. The concrete suggestions are as follows.
First, a plan that the scope of the suicide should be fixed to exclude thesuicide during the excluded time regardless of conscious or unconscioussuicide, can be reviewed.
Second, the excluded time can be extended from current 2 years to 3years,Third, it can be researched that the suicide should be excluded all thetime.
Fourth, the Korean Insurance Contract Law can be revised to explicitlyprovide the scope of the suicide.
Fifth, it can be suggested that life insurance industries are able to choosethe protection scope of the suicide.

참고문헌 (Reference)

1 남궁기, "자살로 식구들에게 보험금을 주고 가겠다는 생명보험가입자들"

2 권정훈, "유명인의 자살이 일반 대중의 자살 시도에 미치는 영향" 한국보건정보통계학회 37 (37): 22-30, 2012

3 이창우, "생명보험의 자살면책기간이 자살에 미치는 영향" 보험연구원 2013

4 이용석, "생명보험약관상의 자살 면·부책조항의 문제점에 관한 검토" 한국보험학회 (69) : 29-54, 2004

5 김선정, "생명보험약관상 자살면책기간경과후의 자살- 최근 일본 판례의 동향을 중심으로-" 한국보험학회 69 (69): 187-223, 2004

6 최병규, "생명보험과 자살면책에 관한 한독비교연구" 한국기업법학회 26 (26): 185-206, 2012

7 양승규, "보험법" 삼지원 2004

8 한창희, "보험법" 국민대학교출판부 2012

9 西島梅治, "自殺免責期間後の自殺" 67 (67): 1999

10 甘利公人, "生命保險契約法の基礎理論" 有斐閣 2007

11 山下仗, "生命保險契約と被保險者の危險" (23) : 2000

12 山下友信, "潘阿憲집필, In 保險法解說" 有斐閣 2010

13 落合誠一, "消費者契約法" 有斐閣 2001

14 潘阿憲, "保險法" 中央經濟社 2010

15 山下友信, "保險法" 有斐閣 2005

16 坂口光男, "保險法" 文眞堂 2012

17 山野嘉朗, "保險契約と消費者保護の法理" 成文堂 2007

18 Robert H, "Richmond, Understanding insurance law" LexisNexis 2007

19 Jean Bigot, "Les assurances de personnes Tome" 4 : 2007

20 Halsbury, "Laws of England" 1994

21 Mark S. Dorfman, "Introduction to Insurance" Prentice-Hall 1993