| 關 鍵 詞： |
保險契約扣押；保險契約強制執行；保單現金價值；詐欺移轉 |
| 中文摘要： |
保險契約之強制執行所指者，乃對未到期、未發生保險事故之保險契約即保單現金價值之執行。關於保險契約可否強制執行問題，學說與司法實務界長期未有定論。我國學界通說採肯定說，惟司法實務則肯定說與否定說皆有之。為解決此一爭議，本文擬先就台灣學說及司法實務關於保險契約，即保單現金價值得否強制執行問題與探討，再對照美國關於保單現金價值及保險金可否強制執行之法制，最末，提出立法建議，冀對爭議之弭平有綿薄助益。
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| 英文關鍵詞： |
attachment of insurance contract；execution of insurance contract；cash surrender value；fraudulent transfer |
| 英文摘要： |
Attachment and execution of insurance contract refers to seizing and garnishing from the cash surrender value of an unmatured life insurance contract. Whether the cash surrender value of an unmatured life insurance contract is subject to the writ of attachment and execution has long time been a highly controversial issue amongst both the academia and court decisions in Taiwan. While prevailing arguments of academia provide an affirmative answer to this issue, court decisions remain split. For the purpose of resolving this puzzle, Part II of this article will first review contentions of legal scholarship and representative court opinions in Taiwan. Part III will probe into U.S. Bankruptcy Code and statutory laws provided for this issue in all fifty states as well as case laws in the U.S. Part III will compare the American laws to current Taiwanese law, and present proposal of amendment to Taiwanese law in accordance with the American model which, this article consider, may help to address the above-mentioned issue.
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| 目 次： |
一、問題之提出
二、台灣關於保單現金價值得否強制執行之學說及司法實務
（一）學說
（二）司法實務
三、美國對保險契約強制執行之成文法與判例法
（一）成文法
（二）判例法
（三）評析
四、比較與分析
（一）不喪失價值與終止契約權及解約金請求權間因果關係應區辨
（二）強制解約合憲性與法理基礎之不足
（三）債權人利益優先於受益人之迷思
（四）詐害債權防免之迷思
五、結論與建議
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