關 鍵 詞: |
信託;受託人;受益人;保險利益;道德風險 |
中文摘要: |
我國雖然因增訂保險法第一三八條之二規定,明定保險業得辦理保險金信託業務,並得約定保險金分期給付,但迄今尚未有任何保險業者開辦保險金信託業務。事實上,為貫徹被保險人照顧保險受益人之初衷,目前信託業已開發將保險結合信託之保險金信託業務,期能透過保險與信託制度之結合,而使保險理賠金之管理運用更為安全,並落實保障保險受益人(同時為信託受益人)之目的,維護保險受益人權益。 本文先從我國受託人投保保險之風險及解釋爭議出發,再從比較法之觀點,分析應否開放信託業依委託人之指示擔任要保人,為信託受益人之利益投保人身保險之重大議題。其次,並探討信託業為受益人利益投保人身保險時所可能產生之道德風險及監控機制,最後則提出簡要之結論及建議。
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英文關鍵詞: |
Trust;Trustee;Beneficiary;Insurable Interest;Moral Hazard |
英文摘要: |
Although Article 138-2 of the Insurance Act states that an insurance enterprise may provide insurance trust services and may stipulate the payment of policy proceeds in installments, there is no insurance enterprise offering insurance trust services in Taiwan. In fact, for the purposes of carrying out the intention of looking after the insurance beneficiary, trust enterprise presently has developed insurance in combination with insurance trust services under trust. It is hoped that throughout the combination of the insurance and trust systems, management and operation of the amount of insurance claims can be safer in order to protect and maintain the interests of insurance beneficiaries (also trust beneficiaries). This article starts from going over the risk of trustee’s obtaining insurance as well as related interpretation disputes. From the viewpoints of comparative law, this article further analyzes a major concern, whether the business should be permitted to the trust enterprise in regards to its assuming the position as proposer by following the trustor’s instruction to obtain insurance of the person for the benefits of trust beneficiaries. Moreover, the risk hazard and supervision devices to be arisen therein are examined should the trust enterprise obtain insurance of the person for the beneficiary’s benefits. Finally, a concise conclusion with suggestions is made.
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目 次: |
壹、楔子 貳、我國受託人投保保險之風險及解釋爭議 一、道德風險之監控機制 二、財產保險之保險利益 三、人身保險之保險利益 (一)保險法第十六條規定之適用及解釋 (二)保險法第二○條規定之適用範圍 四、被保險人之書面同意及約定保險金額 參、受託人投保保險之權限及發展趨勢 一、外國法制經驗 (一)美國 (二)日本 (三)新加坡 (四)香港 (五)小結 二、我國保險法第十六條之一規定之射程範圍 肆、人身保險道德風險之監控機制 一、保險利益之實質解釋 二、被保險人之書面同意及保險金額之約定 三、信託業受主管機關之高度監理 四、告知義務之履行及危險估計 伍、結論及建議 一、結論 二、建議 (一)受託人投保人身保險之可行策略 (二)配套措施
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