論壽險保單讓售與保險法相關問題Viatical or Life Settlement and the Legal Issues Relevant to the Insurance Act

摘要
　　本文探討壽險保單讓售業務運作及其相關規範，並以我國保險法制架構，分析可能引發之法律問題。本文以為，為兼顧各利害關係人之權益，防堵道德危險之引發，進行保單讓售交易時應注意下列事項：首先，要保人與被保險人應共同享有保單讓售決定權，其讓售利益應由被保險人受領。其次，他們應放棄保險契約之利益處分權，使購買人取得不可撤銷受益人地位。再者，於被保險人存活期間，如仍有繳費義務，購買人應以利害關係人地位代繳保險費，以維繫保單之效力。
關鍵字：保單讓售、人壽保險、受益人、抗辯期間、預期壽命
Abstract
　　This paper explores the market operation and legal and regulatory framework of viatical or life settlement, examines potential legal issues and obstacles arising from the Insurance Act in Taiwan. To balance the interests of all stakeholders and mitigate moral hazard, it is submitted that the followings shall be observed: First, the applicant and the insured shall jointly agree to assign the policies and the benefits shall be paid to the insured. Second, they need to forfeit their right of disposal to let purchasers be an irrevocable beneficiary. Furthermore, purchasers shall pay the unpaid premium as a stakeholder, if any within the survival period of the insured, to maintain the life insurance policies.
Keywords: viatical settlement, life settlement, life insurance, beneficiary, contestable period, life expectancy