즉시연금보험약관상의 연금액 계산에 관한 보험료ㆍ책임준비금 산출방법서 지시조항과 설명의무

Ⅰ. 머 리 말 ···································································································· 33

Ⅱ. 산출방법서 지시조항의 효력과 설명범위 ·············································· 34

Ⅲ. 보험자의 설명의무 위반의 효과 ····························································· 35

1. 관련 판례의 검토 ··················································································· 35

2. 보험업법상의 정보제공의무의 분류 ····················································· 42

3. 약관설명의무 위반의 효과 ···································································· 43

4. 정보제공의무 위반의 효과 ···································································· 47

5. 정보제공의무와 약관설명의무의 관계 ················································· 50

Ⅳ. 만기보험금 충당액의 차감에 관한 설명의무 위반의 효과 ················· 52

1. 만기보험금 충당액의 차감에 관한 설명 결여를 보험업법상의 정보제공

의무 위반으로 볼 경우 ········································································· 52

2. 만기보험금 충당액의 차감에 관한 설명 결여를 산출방법서 지시조항의

설명의무 위반으로 볼 경우 ································································· 52

3. 약관설명의무와 정보제공의무가 면제되는 경우 ································ 53

4. 맺 는 말 ·································································································· 53