보험계약상 청약철회제도의 법적 쟁점과 개선 방안 -일본 보험업법의 검토를 중심으로- = Legal Issues and Reform of Cooling-off System on Insurance Contracts -Focusing on Study of the Japanese Insurance Regulation Law-

다국어 초록 (Multilingual Abstract)

A cooling-off right is the right to withdraw a cooling-off the contract unconditionally after signing cooling-off or contract within a certain period of time even if there is no fault in expressing one`s opinion. Considering the asymmetry of information or the fact that an insurance contract is a long-term, high-priced contract, this termination right is valid in the insurance contracts. This is an important protection for the insured and many countries has implemented this. Especially, this is expressed in the insurance regulation as the principle that is applied to the overall insurance products in Japan. In contrast, this right has not been legislated in Korea. In 2010 when the life insurance terms were revised, this cancellation right was supplemented, still there are many areas that has yet to be done for protection of the insured. In this aspect, this study will examine the cooling-off cancellation in the Japanese insurance regulations in the comparison with ours to find what should be done, and investigate what is the legal issues under the current regulations in Korea and propose the future direction for improvement. For the legislation of the cancelation right, it is necessary to define in detail the period, methods, counterparts, effectiveness of cooling-off cancellation and the limits on right exercise. That is the period should be the later date between the cooling-off date and issue date of written confirmation on cancelation. Also both oral and written cancelation including electronic documents should be permitted and the counterpart to whom the cancelation is conveyed should include insurance company, agency, and also an agent in case of insurance without check-up. As for the effectiveness, the insurer refund the premium immediately upon termination, also an agent who reimburse the insurance company for the cancelation should not held a terminator responsible for compensation or fine. And the terms against the insured should be void even though the contractor agreed on the special condition against the regulation. However, based on the purpose of law, if the cooling-off is made on the subscriber`s unequivocal and free will, the cooling-off should not be withdrawn so that the balance between the parties should be accomplished.

참고문헌 (Reference)

1 김성천, "청약철회의 법체계론적 고찰" (25) : 2002

2 곽윤직, "채권각론" 박영사 2003

3 하경효, "소비자보호법의 통합수용. in: 독일 채권법의 현대화" 법문사 2003

4 전삼현, "소비자보호법상의 철회권" 14 : 1996

5 권오승, "소비자보호법(제3판)" 법문사 2001

6 김성태, "보험법강의" 법문사 2001

7 양승규, "보험법(제5판)" 삼지원 2004

8 김은경, "독일보험계약법상 보험자의 정보제공의무 등에 대한 고찰" 한국기업법학회 23 (23): 169-192, 2009

9 정호열, "경제법" 박영사 2006

10 升田純, "遠隔地者間の連鎖販売契約の締結に当たって,事業者から交付された書面が契約締結後にされたものではないとし約10か月後にされたクーリングオフが有効と認められた事例" (21) : 2007

11 三上雅通, "訪問販賣におけるクーリング·オフ制度. in: 消費者保護の法律問題" 勁草書房 1994

12 小松原章, "米国生保の保険約款簡明化への対応" 2007

13 生命保險新實務講座編輯委員會, "生命保險新實務講座 7 法律" 有斐閣 1990

14 中西正明, "生命保険法入門" 有斐閣 2006

15 田口城, "生命保険契約のクーリング・オフ制度" 77 (77): 2009

16 濱田盛一, "生命保険契約とクーリング・オフ" 64 (64): 1996

17 長尾治助, "消費者私法の原理" 有斐閣 1992

18 김대규, "消費者撤回權의 統一的 規律方案에 관한 小考" 중앙법학회 6 (6): 327-351, 2004

19 松村晴路, "消費者主權と消費者法" 嵯峨野書院 2001

20 保險硏究會, "最新保險業法の解說" 大成出版社 1996

21 大澤康孝, "新保険業法における募集規制―新保険業法300条の検討―" (556) : 1997

22 池本誠司, "契約書面の記載不備とクーリング・オフの行使期間. in: 消費者法判例百選" 有斐閣 2010

23 石川正美, "口頭によるクーリング・オフ. in: 消費者法判例百選" 有斐閣 2010

24 山下友信, "保険法" 有斐閣 2005

25 戸出正夫, "保険業法の改正とリスクマネジメントのあり方 ―クーリング・オフについて―" (26) : 1998

26 石田滿, "保険業法" 財団法人 損害保険事業総合研究所 2002

27 胡健芳, "保険業における募集制度の適正化(4)" 49 (49): 2005

28 胡健芳, "保険業における募集制度の適正化(1)" 48 (48): 2004

29 新井修司, "ドイツ保險契約法(2008年1月1日施行)" 日本損害保險協會·生命保險協會 2008

30 二澤一進, "クーリング・オフの法律上および実務上の問題点" 42 (42): 1974

31 尾島秀樹, "クーリング・オフに関する規定の日英米独比較" (24) : 2000

32 McGee, Andrew, "The Law and Practice of Life Assurance Contracts" Sweet & Maxwell 1995

33 FTC, "The Cooling-Off Rule: When and How to Cancel a Sale"

34 Crawford, Muriel L., "Law and the Life Insurance Contract, Sixth Edition" IRWIN 1989

35 FSA, "Implementation of the Distance Marketing Directive"

36 이필규, "2009년 독일보험계약법(VVG)" 세창출판사 2009