고지의무위반과 고지수령권자의 범위 － 보험모집설계사에 대한 고지수령권 인정여부를 중심으로 － = Breach of the Duty of Disclosure, and Who is in charge of the Duty — Liability of the insurance agent as to the duty of disclosure —

다국어 초록 (Multilingual Abstract)

【Abstract】

Breach of the Duty of Disclosure, and Who is in charge of the Duty
— Liability of the insurance agent as to the duty of disclosure —

An, Jungsang

Insurance contract is a kind of speculative contract based on risk. To prevent misuse of the contract both parties should negociate in good faith, which includes the duty of disclosure to the insurer by a policy holder.
Under an insurance contract, the insurance object belongs to the insured and if insured accident happens, the underwriter purchases the object at the insured value based on the premiums paid in. This is a special agreement so that it's critical for the underwriter to predict the likelyhood of accidents and exactly know the relevant situation. If and when there is a significant information gap between the insured and the underwriter regarding key facts that could affect the occurrence of the insured incidents, it's difficult to forma proper contract. Not only that, there will be a problem in maintaining and utilizing a sound insurance system.
In this regard, an article(651) in the Commercial Code specifies that the gurantor and the insured must comply with the duty of disclosure. If such parties fail to comply with this provision, it gives the underwriter the right to void the contract. In the case of life insurance, the insured knows better about his/her health situations and the truth of having been hospitalized. That's why not only the gurantor but also the insured has the duty of disclosure under an insurance contract. There's still some doubt whether the insured under property and casualty insurance contract has the duty. However there's no reason to exclude such an insured unless commercial law specifies otherwise. In particular, we can assume the duty of the insured under the property and casualty insurance policy which generally specifies that the insured has the duty.
The so called life planner is qualified as an intermediary for the underwriter and is registered with the Financial Supervisory Service, and also, is paid by the insurance company. I′ll review in this study whether the underwriter should be assumed to know the truth when their agent either knew or should have known such a truth that could be a possible reason to void the contract.

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