생명보험과 자살면책에 관한 한독비교연구

In recent days the suicide is great social problem in korea. When analyzing the suicide rate, teenage suicide and existence suicide rate is increasing every year. Financial problems certainly are the key factor in the increase of suicides. In that case the surviving family can get a death benefit, when the insured made suicide after 2 years from the commencement date of coverage. These 2 years exemption term is in standard clauses of life insurance regulated. But the exemption term is in germany 3 years. The korean Financial Services Commission has the plan that the exemption term for the suicide shall be extended to 3 years. But the insurance consumer group is lifting up his voices against the plan of Financial Services Commission. In this article the author has analysed the current situation in korean law and he has suggested some reform direction in regard of german example. The insurance contract law is very important for the welfare and happiness of citizens. There is also a sort of competition for the making of better insurance contract law globally. The Korean insurance contract law has some problems, for instance in regard of the right and duty of insurance intermediary. The reform discussion about Korean insurance contract law is being done in national assembly since 2007. But it is not realized yet. To solve the existing problems in Korea, it is necessary to look at the foreign legal systems and provisions. In particular, the German insurance contract law(Versicherungsvertragsgesetz v. 1908) has influenced Korean law because the Korean jurisdiction has adopted the continental legal system as it has a Roman Law tradition. The German insurance contract law was reformed in 2007 significantly, which entered into force in 2008. Japan has also established a new separate insurance law in 2008, which entered into force on 1 April 2010. In the near future, for example some regulations about insurance agents and insurance sales person will be provided in the Korean code. The regulations about the duty of disclosure will also be revised. The duty of disclosure should be an important reform issue in Korea. The currently amended Japanese insurance law has adopted the duty of passive answer in regard of the duty of disclosure. The reform of insurance policy and the duty to give sufficient information to other party would also be very important issues. In regard of exemption term for the suicide which is the theme of this article, we should solve the problems wisely. The german model is acceptable also in korea. That means that the exemption term for the suicide should be also in korea 3 years.