보험대리점에 대한 감독법적 개선방안에 대한 고찰 - 특히 독립법인대리점을 중심으로 -

초록

The recent changes in insurance intermediaries should help establishing sound work ethics of the insurance intermediaries and enhancing the trustworthiness of the insurance contracts. And this is why we have to carefully examine the prudence of insurance intermediaries. Since the majority of insurance contracts is made through the insurance intermediaries, the prudence of insurance intermediaries is the key to discuss the soundness of the insurance contracts as a social issue. The revised draft of the Insurance Law is imperfect in that it fails to make the independent insurance agency accountable for its violation. It is the problem of Article §102 of the Insurance Law and one of the important issues of insurance agency's supervising programs. In this paper, I propose a new revised draft about the insurance agency making independent corporate insurance agencies accountable for their violation, upholding their guarantee money, preventing by-passing contracts and inadequate support of the independent corporate agents, effectively sanctioning the violating agents(prohibition of re-registration), securing transparency and self-control system, making a duty of continuing re-education program, announcing the wrong sales cases and planning of rational commission.

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