정보비대칭하에서의 고령보험계약자보호를 위한 현행 법제의 문제점과 개선방안에 관한 연구

In the aging society the needs of the old for insurance increases, so it is social problems that occur frequently disputes about damage insurance products sourced from the payment of insurance claims related. This is because the insurer's responsibility such as a lack of cognitive skills of the injury or the elderly on the compatibility. And it is a global trend that insurance legislative measures to prevent the incomplete sale of goods, it has been realized by strengthening the regulation of the law for the elderly. Corresponding obligations of the insurance company must be preceded especially for the protection of the earlier insurer. The defined rules in commercial law the same acts to restrict the work. For example, the compatibility of the principles and accountability is typical. In such a situation, the Financial Consumer Protection Act newly established. Therefore let it guide through legal measures. Insurers to follow the accountability and suitability of the principle to the law, if insurer sell an insurance policy for the elderly in the first after taking into account the characteristics of the elderly to understand the request and the due diligence Financial must provide products. Although the basic principle of self-responsibility, while maintaining compatibility of the principle on the properties of the elderly centers to improve the ability to understand insurance products and to protect the potential customers of elderly policyholders.