타인의 생명보험에서 피보험자의 전자문서에 의한 동의 방안

다국어 초록 (Multilingual Abstract)

As the development of information and communication technologies and the development of electronic transactions have changed the conventional PC environment into a mobile environment, mobile electronic transactions are rapidly increasing. In the case of electronic insurance transactions, the subscription and contract of insurance contracts are being made using these mobile devices, and the Enforcement Decree of the Insurance Business Act has been amended to provide legal basis. However, when a policyholder concludes a life insurance contract that covers the death of another person as an insurance accident, Article 731 of the Commercial Act stipulates that, at the conclusion of the insurance contract, the policyholder obtains the written agreement of the insured person (Article 1). It is used not only as evidence for disputes in the event of an insurance accident, but also to prevent the moral hazard of life insurance contracts on the life of another person.
However, it has been argued that the written consent of the insured person has been interpreted to mean consent by paper writing, and that the consent form by electronic documents with digital signatures is not acceptable under the current law, so it should be legislated. In other words, insurance transactions are concluded by using information and communication technologies such as mobile, but in the life insurance contract of others, the consent of the insured person must be written in paper form. It has been pointed out that it can be an obstacle to the development of the insurance industry. These discussions have been reflected on October 31, 2017. Law No. 14969, Article 731 (1) of the Commercial Code has been amended and the written consent of the insured person has been replaced with “the electronic signature pursuant to Article 2 (2) of the Electronic Signature Act and an authorized electronic signature pursuant to Article 2 (3) Electronic document with credibility for identity verification and counterfeit and tamper prevention “as provided by the insured person, so that the written consent of the insured person can be made by an electronic document with electronic signature.
In this paper, after reviewing briefly the purpose of life insurance and written consent system of the insured people and the purpose of consent system, the contents of revised law were reviewed. We also examined the legislations of Germany, France and Japan, which have adopted a written consent system of the insured person for the life insurance of others. In Germany, France and Japan all of their insurance laws do not explicitly state the consent of the insured person in electronic form. However, the Civil Law prescribes the legal validity of electronic documents and electronic signatures, so that the application of the relevant provisions of the Civil Code can be interpreted as the consent of the insured person’s electronic documents.
In addition, the type and scope of the electronic document, the type and effect of the electronic signature are related to the agreement of the insured person with the electronic document, and this problem is examined. In addition, the related provisions about insurance contracts on the insurance business law and the electronic financial transaction law were reviewed.
In this paper, we examined the requirements of electronic signatures for securing the reliability of electronic documents in agreement with electronic documents of the insured person. In order to verify the authenticity of the electronic document and to ensure the reliability of the prevention of forgery and alteration, it should be construed that the scope of the digital signature is restricted by digital signature using encryption technology such as digital signature when applying the unauthorized digital signature according to Article 2 something to do. In the case of applying the official digital signature according to Article 2 (3), the authorized digital signature itself has the integrity

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