Sane or Insane :,,, ( ),,,, * 1. (2009). 2.,,, 2 2,, (, ),,, 49 4,, (, )

.. 1. 2. 3. 4.. 1. 2. 3. 4. 5. Sane or Insane. 1. 2. 3.. :,,, ( ),,,, * 1. (2009). 2.,,, 2 2,, 2008. 12. 29(, ),,, 49 4,, 2008. 12. 31(, ). 2010. 1. 29,, Prölss/Martin/Knappmann, Versicherungsvertragsgesetz, 27. Auflage, 2004 2008 Prölss/ Martin/Schneider, Versicherungsvertragsgesetz, 28. Auflage, 2010. 3. (2010. 4. 21) 5-13 1 15 (, 2010. 4. 21, 2010. 1. 29 ). 4. 2010. 4. 1. ** *** (2010.11.16), (2010.11.18), (2010.12.12). 187

4 2 (2010),,,,, Sane or Insane, (2010. 1. 29 ). <1>,,.,,,.. ( ) 17 1,,., 3. <2>,.,. ( ), ( ) ( ).,..

,. Sane or Insane. 17 1 2. <3>, 15 4 5,... ( 659 1 17 1 ).., ( ), ( 17 1 1) ).,,..,. 1) 16 1 1 17 1.

4 2 (2010) (Lebensversicherung mit Unfallzusatz; Life and Accidental Death and Dismemberment Insurance) 2). (2008. 3. 26 ) 16 ( ). 1. (), () ([] [] ) 2 80%. (2010. 1. 29 ) 17 ( ). 1. ( ),.. ( ) ( ) (, ).. ([] [] ) 2 ( ). 2), () ().. 3. (, ).

,. ( 17 1 2 ).., ( ). ( 17 1 ).,.., ( 16 1 1 ).,,., (, ) ( 17 1 1 15 4 5 ).,. ( 15 3 ), ( 15 4 5, 16 2 3 149 ),.

4 2 (2010)..,,. ( 638, 730 )... 4),. ( 659 ). 5), 6). 7) ( 3),, 17~19. 4) John Birds/Norma J. Hird, Birds Modern Insurance Law, 5th ed., Sweet & Maxwell, 2001, p. 9. 5), ( 5 ),, 2004 (, (5 ) ), 141 ;,,, 2001, 269 ;, ( ) ( 3 ),, 2008, 532 ;, ( ) ( 10 ),, 2008, 564. 6) 7322 1 2. 7),,, 2007, 239.

). 8), 1 3. 9) (Suicide Clause), 10) (Selbstmordklausel Selbsttötungsklausel) 8) 17 1 ( 16 1 1 ), 161 ( 26 ), 1981 132-7. 9) OECD ( 2000 ). 0,,,,,,, 1,,,, ( (3 ) 2009. 8. 28 376.620 1 ),,,,,,,,,,,,,,,,, 2 (33 ),,,,,,,,,,,,,,,,,,,,,,,,,,,,, 3 (2000 1 2, 2004 3 ) 1 2 영국 미국 (14 ),,,,,,,,,,,,, * Joe Chen/Yun Jeong Choi/Yasuyuki Sawada, Suicide and Life Insurance, 2008. 4, http://www.e.u-tokyo.ac.jp/cirje/research/dp/2008/2008cf558.pdf, p. 17, Table 1(The Length of Exemption Periods in OECD Countries); Missouri Revised Statutes Chapter 376, http://www. moga.mo.gov/statutes/c300-399/3760000620.htm; :, 2005. 10. 4, http://www.asyura2.com/0510/social2/msg/114.html. 10) Kenneth Black, Jr./Harold D. Skipper, Jr., Life Insurance, 11th ed., Prentice Hall, 1987, p. 137; Harvey W. Rubin, Dictionary of Insurance Terms, 4th ed., Barron s Educational Series, Inc., 2000, Suicide Clause : 2. ( ).

4 2 (2010). 11). 12),,. 13), ( ; incontestable clause). 14) (an arrangements for transferring and distributing risks). 16). 17) 11) Hrsg. von Peter Koch/Wieland Weiss, Gabler Versicherungs Lexikon, Verlag Dr. Th. Gabler GmbH, 1994, Selbstmordklausel : 3,, (kapitalbilende Lebensversicherung) (Risikoversicherung). (Deckungskapital). 12) (Bryan A. Garner, Black s Law Dictionary, 8th ed., Thomson West, 2004, Suicide Clause ); ( /,,, 78, 2007, 39 ). 13) Black, Jr./Skipper, Jr.,, p. 137. 14) 46 Corpus Juris Secundum, 1993, p. 359. 15),, 19~21. 16) Robert E. Keeton/Alan I. Widiss, Insurance Law, West Publishing Co., 1988, p. 3. 17), (5 ), 83~84.

(moral risk) 18). 19) 7. < 1>. 2007 2,045 (30,992 ) 14.9%(264 ), 15.6%(4,168 ). (:,, %) 2005 2006 (a) 2007 (b) (b/a) 110,986 140,733 165,189 17.4 24,030 37,349 39,335 5.3 135,016 178,082 204,524 14.9 18,156 24,264 28,613 17.9 1,118 2,490 2,309 7.3 19,274 26,754 30,922 15.6 (2008. 9. 1),..,. < 2> 3 30%. 20) < 3>,, 12 18), (5 ), 29 ;,, 60 ;,, 486. 19), (5 ), 87 ; Birds/Hird,, p. 101. 20) /,, 54

4 2 (2010) 2007 (1-12 ) 805, 10 1000. 21) 2.,. ( ) 2003 2004 2005 2006 2007 (a) 3 (b) 3 (b/a) 10,898 11,492 12,011 10,653 12,174 2,928 3,847 3,761 3,311 3,141 26.9 33.5 31.3 31.1 25.8 * :, % * : 2008 * 3 : * :, ( ) *,,, ING,, AIG,,,,,, 12 (: ) (P<0.064).. Chen/Choi/Sawada,, pp. 13-14 1980 2002 OECD (life insurance density: / ),. 21) 2008. 3. 30. 2005-2006 (37.1%) (27.3%) 2.

. Manes, (Eine für Alle, Alle für Einen). 23). 659. 659..,.,. 2,,., 3. 24) 1 2 2004 3, 25). (Neues Versicherungsvertragsgesetz; VVG neu) 161 3 ( 1 ), 3 ( 2 ). 26) 22),, 21~23. 23), (5 ), 23 ;,, 15 ;,, 451. 24) /,, 67 ; 2008. 3. 30. 25) 9. 26) 161 5.

4 2 (2010), (VVG neu; 2009. 7. 29 ) 2 5 161 () 1 3,.. 2 1 1. 3 169. (ALB; 2010. 8. 23 ) 5 (?) 1 3 ( : ). 2 3. ( : ) ( 9 3 5 ). 3 1 2. 1. (Allgemeine Bedingungen für die kapitalbildende Lebensversicherung; ALB) (Allgemeine Bedingungen für die Risikoversicherung). 5., 5 2. <> 161 1 2 169 2.. 169.. 161 1 1 3. 161 2 3. ( 171 ), 3 (Ernst Niederleithinger, Das neue VVG, Nomos Verlagsgesellschaft, 2007, A Rdn. 293 u. B 161 Rdn. 1)., ( ) 5 3 (, ). ( ),,.

.,... 27),.,.,., 27),,, 69, 2004, 196~197,,,.

4 2 (2010). 28), 29). 1999. 30) 1 2 3. 31), 2001, 680 1 1 ( :, 51 1 ). ( 2 ). 32) 2004 ( : ),. ( : 28),, 22~23. 29), ( ),, 1985, 292 ;,,, 89,, 1986, 11 (,,, 211,, 2006. 12, 5~6 ). 30) 11(1999). 1. 27(1554 90 ); 11(1999). 2. 9(1681 152 ); 11(1999). 8. 17(, ).,, 6~8 ;,, 192~193. 31),,, 31 1 2,, 2005. 3, 117. 32) 13(2001). 1. 31( 54 1 1, 1111 10 ).,,, 197, 2005. 6, 13~14 ;,, 193~194.

),,,. 3. 33),,,, ( ),,. 34), ( ). 35),,. 36), 33) 16(2004). 3. 25(58 3 753, 1856 150, 1149 294 ).,, 14~16. 34),, 12.,,, ( ), ( ) ( ). 35),,, 2005, 468.,,, 48 1,, 2004. 8, 101 ;, 1,, 1275,, 2004. 9. 15, 160 ;,, 143 ;,, 20 ;,,, 31,, 2005. 7, 98 ;,,, 2006 1, ( ), 64. 36), 112 ;,, 141 ;,, 20.

4 2 (2010),,,..,. (2005. 7. 22, 2005 8301),,,,,. 1. 38)., ( 2 ). 1.. 37),, 23~24. 38),,, 442 (2005. 9), 65 ; /, 2005. 7. 22. 2005 8301,, 19 1, 2006, 237.

.?,.,... 39) 6 1 2 1 ( )., 40).,,. 39) /,, 341. 40), (2007. 9. 6, 2006 55005),,,,.

4 2 (2010)., ( 659 1 17 1 ).,,.,..,,. < 4>. ( ) ( ) ( ), ( ).. 16 1 1 ( ),

. 1999. 3. 4, 2006. 11. 6.,... 2.. 8.,.. 2 1. CCTV. 41),, 356~358. 42),, 2007, 162.

4 2 (2010). 16 1 2, 2 (),. ( ) ( 1 1999. 3. 4) 7 8 2006. 11. 6., ( 16 1 2 ). 2 6. 16 1 ( )..,,., ( 14 1 2 ) ( 14 1 8 )....,. ( ).

,., ( ),.,,. (, ).,,. 17 1 ( ) 2 ( ).., ( 9 1 1 ),. (, ),

4 2 (2010)., ( 1 2, 2 ), ( ), ( < 4> ).., (, )., ( 2007. 8. 21, 2007-56 ).,., 2 3. 43), 1 ( 9 1 ),. 6502.,, 13 1,.., ( ), 43) 24.

( < 4> )., 17 1..,, ( ), ( ). 736 1 ( )..,. 17 1 < 5>.. ( ) 2 ( ).. ( ) 3 ( )...

4 2 (2010), 17 1 2. 161 1 2 ( 169 2 ) () (ein die freie Willensbestimmung ausschließender Zustand krankhafter Störung der Geistestätigkeit). ( ) 5 2 1, ( ). 44),.,,.,. 732. 45) 44) 26. 45) Winfried-Thomas Schneider, Versicherungsvertragsgesetz, Begründet v. Erich R. Prölss/Anton Martin,

17 1 2,.,.,, ( 46) ),. 16 1 1, 17 1 2. ( ) ( ),.,,. (), 28. Auflage, Verlag C. H. Beck, 2010 ( Prölss/Martin/Schneider ), VVG 161 Rdn. 11 : ( ), 105 2 ( ). 46) 61.

4 2 (2010).., (, 9, 12, 1063 1 ), 48) (irgendwie geartete geistige Anomalie) 49) (Geistesstörung) (Bewusstseinsstörung). 50) ( ) ( ), 51),, 47),, 330~332 340~341. 48) Clemens Cording, Die Begutachtung der freien Willensbestimmung im deutschen Zivilrecht: Geschäftsfähigkeit, Testierfähigkeit, Prozessfähigkeit, Suizid bei Lebensversicherung, in: Willensbestimmung zwischen Recht und Psychiatrie, hrsg. v. Jürgen Müller/Göran Hajak, Springer Verlag, 2005 ( Cording ), S.42. 49) Jochem Schmitt, Münchener Kommentar zum BGB (hrsg. v. Franz Jürgen Säcker/Roland Rixecker), 5. Auflage, Band 1/Teilband 1, Verlag C. H. Beck, 2006, BGB 105 Rdn. 40. 50) Prölss/Martin/Schneider, VVG 161 Rdn. 11:.. 51) (mental disorder),. (Geisteskrankheit; mental illness),,,,. ( ) (, ), (,, ), (,,,, ), ( ).,,,,,,,.,, (,, 2004, ); ( EnCyber,, http://www.encyber. com).

. 52),. 53) (akute psychotische Störung), (Demenz) (Organische Psychose), (Schizophrenie), (schizophrenieforme Psychose), ( ) (schizoaffektive Psychose), (wahnhafte Störung), (Manie), (ausgeprägte Depression).. ( 12 )., ( ). 54), (,, ) (unkontrollierte Triebe und Vorstellungen), (Abwägung des Für und Wider). 55),, 52) (consciousness disturbance) ( ), (),. ( ),,,, 5...,,.,. ( ),, 3 (!,, http://kr.dic.yahoo.com/search/enc). 53) Cording, S. 42-43; Prölss/Martin/Schneider, VVG 161 Rdn. 11. 54) Cording, S. 43. 55) Prölss/Martin/Schneider, VVG 161 Rdn. 11(BGH NJW 96, 918; WM 84, 1063; NJW 70, 1680; Karlsruhe VersR 2003, 977; KG VersR 2000, 86; Düsseldorf NJW-RR 2003, 1468):

4 2 (2010).,. 56) ( ) (emotionale Psychose). 57) () 58),,. 59), 3 ; Rdn. 14(Nürnberg VersR 69, 149; Frankfurt VersR 62, 821):. 56) Cording, S. 43 ; Prölss/Martin/Schneider, VVG 161 Rdn. 14(Karlsruhe VersR 2003, 977; Nürnberg VersR 69, 149; München VersR 55, 610; KG JR 34, 72; 29, 246):,. 57) Prölss/Martin/Schneider, VVG 161 Rdn. 11: (Karlsruhe VersR 78, 657). (Stuttgart VersR 89, 794: ); ( ) (insane) ( 125 ). 58) (emotion) (,,,, )., (, :,,,,, ) (EnCyber,, http://www.encyber.com/ index.html;!,, http://kr.dic.yahoo.com/search/enc/). 59),,,,,, ( : ) (,,, 170, 2002. 6, 17~18 ).

, (nachfühlbare Motive). 60), (Bilanzselbstmord) (, ). 61),. (der von nachfühlbaren Motiven gelenkte Wille),.,,.,,,. 62) ( ). 63) 1. 64) 0.118% 0.238% 60) Prölss/Martin/Schneider, VVG 161 Rdn. 11. 61) Prölss/Martin/Schneider, VVG 161 Rdn. 15. 62) (Stuttgart NVersZ 2000, 22; Hamm NJW-RR 2000, 405 = NVersZ 325); (Düsseldorf NJW-RR 2003, 1468: 102 );, (Köln Recht und Schaden 90, 139). 63) Prölss/Martin/Schneider, VVG 161 Rdn. 13; Hans Joachim Mallach, Wann sind Alkoholvergiftungen eine krankhafte Störung der Geistestätigkeit im Sinne des 169 VVG?, ZVersWiss 80, 373; Düsseldorf VersR 99, 1007=NVersZ 321( ). 64) Prölss/Martin/Schneider, VVG 161 Rdn. 13; LG Düsseldorf VersR 54,

4 2 (2010), 0.22%, 0.3%. 65), (actio libera in causa). 66),. 67), 0.13%, 0.2%, 0.17~0.18%. 68) 0.3%.,,., () ().. 69). 70) (endogen) (psychogen). 71) 73. 65) LG Saarbrücken VersR 79, 1050 (0.118%); Hamburg VersR 86, 378 (0.238%); Köln VersR 2002, 341 (0.22%); BGH NJW 91, 852 (0.3%). 66) Prölss/Martin/Schneider, VVG 161 Rdn. 13. 67) 82, 85, 88. 68) Jochen Plagemann/Hermann Plagemann, Unfallversicherung, Private, in: Handwörterbuch der Versicherung, hrsg. von Farny/Helten/Koch/Schmidt, Konkordia Druck GmbH, 1988 ( J. Plagemann/H. Plagemann ), S. 921. 69) Prölss/Martin/Schneider, VVG 161 Rdn. 14; ( 125 ). 70) LG Hamburg VerBAV 56, 240; LG Berlin JR 34, 30; Düsseldorf VersR 75, 896( ). 71) Köln VersR 2002, 341; Nürnberg VersR 94, 295; LG Mönchengladbach VersR 74, 795; LG

... 72) (Kurzschlusshandlung: ) (, ),,,,. 73),. 74) (Strengbeweis; ). 75) (Anscheinsbeweis). (Freitod). 76). Hechingen VersR 56, 282. 72) Prölss/Martin/Schneider, VVG 161 Rdn. 11(Hamm VersR 77, 928). 73) Prölss/Martin/Schneider, VVG 161 Rdn. 12; (LG Köln VersR 56, 569; LG Osnabrück VersR 80, 474: ); (LG Saarbrücken VersR 83, 723); (KG JR 29, 330; LG Bonn VersR 2005, 965: ); (Stuttgart VersR 89, 794; Bresser VersR 89, 186.); (München VersR 55, 610; LG Wiesbaden VersR 63, 865). 74),, 19. 75) Prölss/Martin/Schneider, VVG 161 Rdn. 17. 76) BGHZ 100, 214 = VersR 87, 503 = NJW 1944; BGH VersR 89, 729; VersR 92, 861;

4 2 (2010), (, ) (, )... 77)... 78),..,,. 79) ( ). 80).. 81),, ( ).,. BGH VersR 55, 99; VersR 81, 452. 77) Prölss/Martin/Schneider, VVG 161 Rdn. 17. 78) BGH VersR 92, 861 = NJW-RR 982. 79) BGH VersR 92, 861 = NJW-RR 982; VersR 92, 730 = NJW-RR 853; VersR 91, 1365 = NJW-RR 219. 80) Prölss/Martin/Schneider, VVG 161 Rdn. 24. 81) BGH VersR 97, 687.

. ( ),. ( ). ( ).. 82), (normale Unfallrisiko). () (),.,, (krankhafter Zustand). 161 2 5 (Lebensversicherung) 1 (Versicherung für den Todesfall) 82) Ernst Bruck/Hans Möller/Klaus Wagner, Kommentar zum VVG, 8. Auflage, Band 6, Halbband 1(Unfallversicherung), Walter de Gruyter, 1978, ( Bruck/Möller/Wagner ), Anm. G 169 u. 171; J. Plagemann/H. Plagemann, S. 921.

4 2 (2010).., 83) (), (). 3 2 l 5.1.1,, ( ). (Reichsgericht) 1932. 84) (Allgemeine Bedingungen für die Unfall-Zusatzversicherung; UZB) 3 2 l,. 85),, 83) 26. 84) RG 30. IX. 1932, JRPV 1932 S. 341; Bruck/Möller/Wagner, Anm. G 73. 85) (UZB; 2010. 8. 23 ) 1 (?). ( ) 3 (?).. l),.,.

., ( ) 3 2 l, ( ) 5 2 1 86), 3 2 l. 1940 5 10 ( : ), (das Ergebnis des Unfallereignisses, die Tötung oder Gesundheitsbeschädigung, letzten Endes nicht eigentlich auf den Unfall, sondern auf den bei dessen Eintritt schon vorhandenen krankhaften Zustand des Versicherten zurückzuführen ist). 87) (krankhafter Zustand),., (Allgemeine Unfallversicherungs-Bedingungen; AUB 2008/ ) 5.1.1 88) ( ). 86) 5 2 1 : 3 ( : ) ( 26 ). 87) RGZ Bd. 164 S. 49-52; Bruck/Möller/Wagner, Anm. G 169 u. 171 J. Plagemann/H. Plagemann, S. 921. 88) (AUB 2008/ ; 2008. 12 )

4 2 (2010). 89) ( ) (, ),, ().. 90) 5.1. 5.1.1 ( ),.. 89) 5.1.1, ( 88 ),.,, (krankenheitsbedingte Zustände) (Bruck/Möller/ Wagner, Anm. G 159). 90),, 17 : ( : ).,,, 214, 2007. 3, 19 :, ( ).,,, 64,, 1990. 11, 10~11 : 5(1916). 2. 12. ( : ),. ( 10[1935]. 10. 12) ( 13[1938]. 3. 11 13[1938]. 11. 8).,,, 112, 1995. 12, 15 :,..,,

( ) ( ), 91) ( ),. 92) ( ),,. 2.,, ( :, ),,,. 91) < > 1 1, ( ) 1 1, www.nissay.co.jp/kojin/shohin/shiori /shushin/pdf/02-189-192.pdf www.nissay.co.jp/kojin/shohin/shiori /shushin/pdf/02-193-196.pdf 9 1 3 4 www.sumitomolife.co.jp/yakkan/pdf /11.pdf www.sumitomolife.co.jp/yakkan/pdf 10 1 3 4 /12.pdf event.dai-ichi-life.co.jp/yakkan/01_ 1 4 5 D 2010_09_1/pdf/01_06391_368.pdf D 2 4 5 < (22, 2010. 4. 1 )> event.dai-ichi-life.co.jp/yakkan/02_ 2010_09_1/pdf/02_06392_123.pdf

4 2 (2010)..,, 1 (, ) 1 :. (1) (2) ( ) (, 180.) (, 180.), ) ~ ) () ) ) ) ) ) 92) < > (2009. 9 ) (2010. 4 ) (2010. 1 ) 3 1 5 ( ) 2 5 2 1 5 < (2009. 9 )> www.tokiomarine-nichido.co.jp/se rvice/pdf/kokunai_yakkan.pdf www.ms-ins.com/pdf/information/ product/syougai/20100401_zaikei _hokenhou/zaikei_hokenhou_yak kan.pdf www.sompo-japan.co.jp/kinsuranc e/yakkan/download/yutorido1001 _yakkan.pdf 3 ( 1). (5),

. 93).,,. 94). 7322 739 732 739.. ( ) 7322 739 95)., 7322( ) 739 (), 663.,,. 7322 739.,, 93) 82. 94) 68. 95),, 346~347.

4 2 (2010) ( ), 737 ( )., 7322 739 737., ( 659 1 ). 7322 739 737,, 7322739. ( ) 732 739 96) 732 (15 ) 15, ( ), 739 () 732..,,, 732 739 663., 732 739 663.,, (, ). 96),, 347~348.

( ) (, ).,,,. 97), 739 732,,. (, ),, ( ) ( ). ( )...,.,,.,, 97) Bruck/Möller/Wagner, Anm. G 197.

4 2 (2010). ( ),,.,, ( ). 98), (, )..,. ( ),,, ( )., (UZB) 3 2 l, (AUB 2008/ ) 5.1.1 ( ) ( ). 99) ( ) 98) Bruck/Möller/Wagner, Anm. G 73; OLG Koblenz, Urt. v. 24. 03. 2006-10 U 433/05:, ( ) 1. 99) 85, 88.

, ( ) ( ). 100) < 6>. ( ) 17 1 2 (, )..,, (, ) ( 100) 91, 92 ; (Accidental Death & Dismemberment Coverage; AD&D) ( 147 ).

4 2 (2010), ),. ( 16 1 1 ),.. (, ), (, ),.., ( ),..,,., ( < 6> )., ( ), (, ).., ( ),

(, ). 17 1 2 < 7>.. ( ) ( ) (, ).. ( ) ( ) ( ). ( )..., 101),, 344~346. 102) Theo Langheid, Nachweis einer die freie Willensbildung ausschließenden Störung der Geistestätigkeit, in: Versicherungs- und Haftungsrecht, NJW Heft 19, 15 Oktober 2003 ( Langheid ), S. 222.

4 2 (2010).....,., (OLG Düsseldorf, Urt. v. 14. 05. 2002-4 U 171/01). (BGH, Beschl. v. 12. 03. 2003 - IVZR 152/02). 1,. 2 ( ) (Realitätkritik),.,. (echte Geisteskrankheit)...,., 103) Langheid, S. 222. 104) Langheid, S. 222-223.

....,..,,.,, 1.,,,,,.,. () 1, () 5., 105),, 351~355.

4 2 (2010) () ( ) 1 5 ( 1 + 5 ). (2006. 3. 10, 2005 49713). 1 () 2 659 1 7322,,,,. [3],. ( )..,,. 106),, 106),, 27.

.,,,.. (),, 16 1 1 ( 17 1 ).,,., 107).,,,... ( ), ( : )., 107) 61.

4 2 (2010)..,,,..,.,..,,.,,,.,.,, (, )..,.,

. 108) A A 4 8. A, 3~4,. A B 250 B. B,,. A B 1.8, 22:40 B B, B B. A 01:10,. A 0.278%. A A (, 1 2 ). A, ( : ). (2008. 8. 21, 2007 76696). 1 (. (2) 2 ). 108), (,, 67).

4 2 (2010) 2,. 3 ~ 4 () ( ) (2007. 9. 21, 2006 74497) A,, A,, A., A 5,650 A,, A, A,, 0.278%, 2~4,, 9..,. A 3~4, A 0.278% A.,

, A B 1.8 B B B, A B. A B,,,, A,., A 250 B, A 300 8 10 18 226,, 5,650 A B. A B., A (A ),,. A 109), 109) 61.

4 2 (2010) A. ( ).. (2006. 3. 10, 2005 49713), A. A.,,.. A, 110,., A 110cm. A ( ). A.,, 0.278%, ( ). (Unfall-Tod).. A, A. 110) 110),, 25~26 ; 137,,,,, Sane or Insane.

A,. Suicide, Sane or Insane, Clause ( Suicide, Sane or Insane, Exclusionary Clause ; Sane or Insane ). 100, 111). 112),. (suicide).,,, ( ) Sane or Insane (, 111) 130. 112) Sane or Insane, Gary Schuman, Suicide And The Life Insurance Contract: Was The Insured Sane Or Insane? That Is The Question - Or Is It?, Tort & Insurance Law Journal, Vol. XXVIII, No. 4, Summer 1993 ( Schuman ), fn. 92 : If the insured dies by suicide, while sane or insane, within two years of the date of issue, our only liability will be for the amount of premiums paid. ; If within two years from the date hereof the insured shall, whether sane or insane, die by his own hand, the liability of the company shall be limited to the premiums paid. ; provided, however, that such benefits shall not be payable if the insured s death resulted directly or indirectly, from (a) self-destruction, while sane or insane. ; Self- destruction, sane or insane is a risk not assumed under this policy.

4 2 (2010) ).,, (, ). Sane or Insane,.,.. 113),,.. 1872 Mutual Life Insurance Company v. Terry ( ) 114). (moral or legal nature of self-destruction) (physical nature and consequences of self-destruction),., sane or insane. 115), 113) Schuman, pp. 756-757. 114) Mutual Life Ins. Co. v. Terry, 82 U.S. 236, 15 Wall. 580, 21 L. Ed. 236 (1872). 115) Schuman, pp. 758-759.

. Sane or Insane, 1876 Bigelow v. Berkshire Life Insurance Company ( ) 116). (intended self-destruction) sane or insane... ( : ). 117),. Sane or Insane, ( ). 118) 116) Bigelow v. Berkshire Life Ins. Co., 93 U.S. 284, 23 L. Ed. 918 (1876). 117), 93 U.S. at 287. 118) W. E. Shipley, Insurance: Construction of Sane or Insane Provision of Suicide Exclusion (Annotation), 9 A.L.R.3d 1015 (originally published in 1966; current by the weekly addition of relevant new cases) ( Shipley ), 4[b], Bigelow v. Berkshire ; (,,,,, ). ( ), (Robert I. Simon/James L. Levenson/Daniel W. Shuman, On Sound and Unsound Mind: The Role of Suicide in Tort and Insurance Litigation, Journal of the American Academy of Psychiatry and the Law, Vol. 33, No. 2, 2005, [ Simon/Levenson/Shuman ], pp. 176-178 fn. 1-6 ).

4 2 (2010) Bigelow Sane or Insane,, (nonaccidental). 119), (accidental death) (unintentional death). 120),. 121) 119) Schuman, pp. 759-760. 120) Shipley, fn. 5 ; Shipley, 4[a], Keels v. Mutual Reserve Fund Life Asso., 29 F 198 (1886, CC SC): ; Knights Templars & M. Life Indem. Co. v. Crayton, 110 Ill App 648 (1903), affd 209 Ill 550, 70 NE 1066: ; Power v. Modern Brotherhood of America, 98 Kan 487, 158 P 870 (1916), reh den 98 Kan 701, 158 P 873:,, () ; Benard v. Protected Home Circle, 161 App Div 59, 146 NYS 232 (1914): ; Spruill v. Northwestern Mut. L. Ins. Co., 120 NC 141, 27 SE 39 (1897): Sane or Insane ; Gibson v. Reliance Life Ins. Co., 172 SC 94, 172 SE 772 (1934): ; Billings v. Accident Ins. Co., 64 Vt 78, 24 A 656, 17 LRA 89 (1891): ; Mayfield v. Aetna L. Ins. Co., 100 F2d 199 (1938, CA5 Tex):,,. 121) Shipley, fn. 6 ; Shipley, 3, Bigelow v. Berkshire: (general words; : sane or insane ), (felonious suicide) ( : sane or insane ) ; Shipley, 4[b], Mutual Ben. L. Ins. Co. v. Daviess, 87 Ky 541, 9 SW 812 (1888):.

(suicidal intent),. 122),. 122) Shipley, fn. 8 ;. Shipley, 5, De Gogorza v. Knickerbocker L. Ins. Co., 65 NY 232 (1875):. sane or insane,,.,, ; Chapman v. Republic Life Ins. Co., 6 Biss 238, F Cas No 2606 (1874, CC Ill):,, ; Haynie v. Knights Templars & Masons Life Indem. Co., 139 Mo 416, 41 SW 461 (1897):,.,,,. ; Shoemaker v. Central Business Men's Asso., 218 Mo App 374, 271 SW 867 (1925):,. insane ( : Sane or Insane ); Aetna Life Ins. Co. v. McLaughlin, 380 SW2d 101, 9 ALR3d 1005 (1964, Tex):, Sane or Insane.,. ; Ann Arbor Trust Co. v. North American Company for Life and Health Ins., 527 F2d 526 (1976, CA6 Mich): Sane or Insane 9, ; Atkinson v. Life Ins. Co., 228 SE2d 117 (1976, Va):,

4 2 (2010). 123) sane or insane.,, (requisite intent to commit suicide), Sane or Insane. 124).,,. 123) Shipley, fn. 7 ; Shipley, 6, Johnson v. Metropolitan Life Ins. Co. (DC NJ) 273 F Supp 589, affd (CA3) 404 F2d 1202 (1968): ; National L. Ins. Co. v. Watson, 194 Ky 355, 239 SW 35, 35 ALR 156 (1922):.., Sane or Insane ; Brower v. Supreme Lodge Nat. Reserve Asso., 74 Mo App 490 (1898):. ; Strassberg v. Equitable Life Assur. Soc., 196 Misc 387, 91 NYS2d 903 (1949):, ; Mirza v. Maccabees Life & Annuity Co., 187 Mich App 76, 466 NW2d 340 (1991), app den 439 Mich 868, 478 NW2d 96:, Sane or Insane. 124)Schuman, p. 760 Shipley, 4[b], Sane or Insane,,,,,,,,,,,., 6 Nationwide Mut. Fire Ins. Co. v. May, 860 F.2d 219 (6th Cir. 1988) sane or insane (Schuman, fn. 99).

. 125),. 126) 1985 Searle v. Allstate Life Insurance Company ( ) 127). Sane or Insane 128),., (, insane suicide ), suicide, whe- 125) Gioia v. State, 16 A.D. 20, 228 N.Y.S.2d 127, 131 (1962), rev d on other grounds, 22 A.D.2d 181, 254 N.Y.S.2d 384 (1964), 11 Charney v. Illinois Mut. Life Cas. Co., 764 F.2d 1441, 1443 (11th Cir. 1985) Sane or Insane (Schuman, fn. 100). 126) Shipley, fn. 9 ;. Shipley, 4[b], Mutual Ben. L. Ins. Co. v. Daviess, 87 Ky 541, 9 SW 812 (1888):, (accident) ; Masonic Life Asso. v Pollard, 121 Ky 349, 89 SW 219 (1905):, (accidental killing)., Sane or Insane ; Ladwig v. National Guardian Life Ins. Co., 211 Wis 56, 247 NW 312 (1933): Sane or Insane ; Christensen v. New England Mut. L. Ins. Co., 197 Ga 807, 30 SE2d 471, 153 ALR 794 (1944), followed 71 Ga App 393, 31 SE2d 214: Sane or Insane. 6 ; Estate of Galloway v. Guaranty Income Life Ins. Co., 104 NM 627, 725 P2d 827 (1986): Sane or Insane. 127) Searle v. Allstate Life Ins. Co., 38 Cal.3d 425, 212 Cal.Rptr. 466, 696 P.2d 1308 (1985). 128) Searle v. Allstate Life Ins. Co., 96 Cal.App.3d 614, 158 Cal.Rptr. 5 (1979).

4 2 (2010) ther sane or insane (, insane )., Bigelow, 129) (intentional self-destruction by an insane or sane person),.,,,. 130),, (, ) ( ), Sane or Insane.,.,,.,. 131),, Sane or 129) Johnson v. Metropolitan Life Ins. Co., 404 F.2d 1202, 1204 (3d Cir. 1968); Strasberg v. Equitable Life Assur. Soc. of U.S., 281 App.Div. 9, 117 N.Y.S.2d 236, 240 (1952). 130) Reynoso, Searle v. Allstate (1985), Opinion,. B. 131) Opinion,. C.

Insane, (, )...,. 132) (,, ),, (accidental death benefit) (double indemnity provision) 133). 134) 132) Schuman, p. 761. 133), (face value; ). West s Encyclopedia of American Law, 2nd Edition, 2005, Thomson Gale, Double indemnity. 134) Schuman, fn. 81-83 ; <1> Sturm v. Washington Nat l Ins., 208 F.2d 97 (8th Cir. 1953): ; Sommer v. Metropolitan Life, 449 S.W.2d 644 (Mo. banc 1970): ; Miller v. Home Ins. Co., 1980 CCH Life Cases, 1551 (Mo. Sup. Ct. 1980); Garmon v. General America, 624 S.W.2d 42 (Mo. App. 1981): ; Blackstone v. Standard, 74 Mich. 592, 42 N.W. 156 (1889): ; Insurance Co. of North America v. Aufenkamp, 291 Md. 495, 435 A.2d 774, 779 (1981):. <2>. Equitable Life Assur. Soc. v. Bailey, 262 S.W. 280 (Ky. 1924): ; Auto-Owners v. Churchman, 440 Mich. 560, 489 N.W.2d 431 (1992):, (intend) (expect). ( <1> <2> A.M. Best Company, Digest of Insurance Law, http://www. ambest.com/legal/

4 2 (2010) ( ) Sane or Insane,. 135),. 136),, (understanding) (intention).. sane or insane. 137) statelawdigest.html, 2010. 6. 1 ). <3> Malcolm A. Clarke, The Law of Insurance Contracts, 5th ed., informa, 2006, p. 514:,,. () Kirkham v. Chief Constable of the Greater Manchester Police (1990) 2 QB 283, 295 (CA) ( ) (),. 135) Simon/Levenson/Shuman, p. 179 Sane or Insane., Searle.., Ralph Slovenko, Commentary: Responsibility and Insurance Coverage of the Mentally Ill, Journal of the American Academy of Psychiatry and the Law, Vol. 33, No. 2, 2005, p. 186, Sane or Insane Searle,. 136) Schuman, p. 761; Shipley, 2 a. 137) Schuman, pp. 761-763; Shipely, 2[a], Sane or Insane.,,

Sane or Insane.,. 138) Sane or Insane.,, Sane or Insane ( ). 139),. ( )., (,, ). (, sane or insane, insane ( 128 )., (, ) ( 120 ). 138) Schuman, fn.122. Meusy v. Montgomery Ward Life Ins. Co., 943 F.2d 1097, 1100 (9th Cir. 1991) (Wash. law) ( 0.21% ); Charney v. Illinois Mut. Life Cas. Co., 764 F.2d 1441 (11th Cir. 1985) (Florida law); Rives v. Franklin Life Ins. Co., 664 F. Supp. 1025, 1027 (N.D. Miss. 1987); Estate of Galloway v. Guaranty Income Life Ins. Co., 104 N.M. 627, 725 P.2d 827, 828 29 (1986); State ex rel. Shoemaker v. Daues. 312 Mo. 62, 278 S.W.2d 735 (1935). 139) 120.

4 2 (2010), ), ( ) ( )., Sane or Insane, ( ). 140),..,, ( ), Sane or Insane.,, 141). 142),,., ( ) 140) 121. 141) 122. 142) 123.

. ( ), ( ).,, Sane or Insane.,.,,. 143),. (, ), (, ). 144) ( ) 145).,, 143) 126. 144) 56. 145) 134.

4 2 (2010). Sane or Insane.,.. Sane or Insane,. Sane or Insane,.,. Sane or Insane.,, Sane or Insane. 146), (Accidental Death & Dismemberment Coverage; AD&D) 146) 112.

(Personal Accident Insurance). 147) 147) < > Metropolitan Life Insurance Company (MetLife) Basic Term Life Insurance AD&D Benefits Description (2 9 Covered Lives) (2010) http://www.metlife2to9.com/user-docs/007012_basic_life_ad&d_all_states_ex_ MDNYSD_2010.pdf (p.3) Exclusions For AD&D coverage only, no benefit will be paid for losses resulting from or caused or contributed to by: Physical or mental illness or infirmity or the diagnosis or treatment of such illness or infirmity; New York Life Insurance Company Group Accidental Death & Dismemberment Insurance Plan. http://www.personal-plans.com/pdfdocs/epsmoore_asme-47341-accidentaldeathanddismemb erment.pdf (p.3). Exclusions and Limitations. No benefit will be payable for any loss that occurs during or is due or related to or resulting from: physical or mental sickness or medical/ surgical treatment thereof; suicide or intentionally self-inflicted injury while sane or insane. Aviva Insurance UK Limited Family Personal Accident Policy Summary (FPAP15 Mar 10). / ;. http://www.aviva.co.uk/library/pdfs/personal-accident/fpap/fpap-cover-keyfacts.pdf (p.1). What are the significant or unusual exclusions or limitations? Suicide, attempted suicide or self-inflicted injury, regardless of their state of mind at the time the incident occurs.?,..

4 2 (2010), (physical illness; physical sickness) (mental illness; mental sickness).,.,. ( while sane or insane, regardless of their state Sterling Insurance Company Limited Santander Personal Accident Insurance Policy document (2009.11) http://www.santander.co.uk/csgs/staticbs?blobcol=urldata&blobheader=application%2fpd f&blobkey=id&blobtable=mungoblobs&blobwhere=1223400951370&maxage=3600 (p. 9). What is not covered 12. Suicide or self-inflicted injury whether of a sound mind or not. Great-West Life Assurance Company 12. PLANDIRECT ENHANCED HEALTHCARE PROTECTION (M6105-10/02) http://www.cfpsa.com/en/corporate/services/hrservices/restrictedforms/forms/plandirect_e.p df (p. 8-9). General Limitations and Exceptions expenses incurred as a result of or a loss resulting from or associated with a self-inflicted injury or attempted suicide, while sane or insane Manufac turers Life Insurance Company (MenuLife) Family Term Sample contract (102-77e, 2009.4) https://hermes.manulife.com/canada/repsrcfm-dir.nsf/public/familytermterm/$file/family Term_pdE.pdf (p. 2). Accidental Death and Dismemberment Rider What this rider doesn t cover suicide, attempted suicide or self-inflicted injury, regardless of whether the insured person is sane or insane when he or she commits or tries to commit suicide or inflicts the injury,..

of mind, whether of a sound mind or not, regardless of whether the insured person is sane or insane ), (attempted suicide) (selfinflicted injury). Sane or Insane.. (intentionally self-inflicted injury).,. 148),.,. 17 1 1, 2 (, ). 1, 2, ( ).,. 15 4 ( ) 5 148) 123 Johnson v. Metropolitan Life Ins. Co. (1968).

4 2 (2010)., 15 4. 15 5,,,,,., (, 2010.1.29 ) 15 3,,, (). 149),.,,., 15 5, 15 3,., 15 4 5 149) < 15 15 > 15 ( ). 1. ~3. () 4. : 5.,,, : 15 ( ). 1. () 2. : ( ) 3.,,, () :,

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4 2 (2010) ). 151) ( ), ( ). 152) ( ),. 15 4 5.,.,,. 153).. 151) 88 ;, () ( 1 1 ; 85 ). 152) 91, 92 ; (AD&D) ( 147 ). 153), (2010. 4. 21. ) 1( ) 7?..

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4 2 (2010) Sane or Insane.,.,.. 17 1 2 (< 7> ). <3> 17 1 1, ( 15 4 5 ).,,, ( ),..,..

( 2010. 4. 1 ),,, 69, 2004.,,, 2001 /,,, 19 1, 2006.,,, 2 2,, 2008. 12. 29.,,, 442 (2005. 9)., ( 5 ),, 2004. /,,, 78, 2007.,,, 49 4,, 2008. 12. 31., ( ) ( 3 ),, 2008, ( ) ( 10 ),, 2008 Bruck, Ernst/Möller, Hans/Wagner, Klaus, Kommentar zum VVG, 8. Auflage, Band 6, Halbband 1(Unfallversicherung), Walter de Gruyter, 1978. Cording, Clemens, Die Begutachtung der freien Willensbestimmung im deutschen Zivilrecht: Geschäftsfähigkeit, Testierfähigkeit, Prozessfähigkeit, Suizid bei Lebensversicherung, in: Willensbestimmung zwischen Recht und Psychiatrie, hrsg. v. Jürgen Mü üller/göran Hajak, Springer Verlag, 2005 Langheid, Theo, Nachweis einer die freie Willensbildung ausschließenden Störung der Geistestätigkeit, in: Versicherungs- und Haftungsrecht, NJW Heft 19, 15 Oktober 2003. Mallach, Hans Joachim, Wann sind Alkoholvergiftungen eine krankhafte Störung der Geistestätigkeit im Sinne des 169 VVG?, ZVersWiss 80, 373 Niederleithinger, Ernst, Das neue VVG, Nomos Verlagsgesellschaft, 2007.

4 2 (2010) Plagemann, Jochen/Plagemann, Hermann, Unfallversicherung, Private, in: Handwörterbuch der Versicherung, hrsg. von Farny/Helten/Koch/Schmidt, Konkordia Druck GmbH, 1988. Prölss, Erich R./Martin, Anton/Schneider, Winfried-Thomas, Versicherungsvertragsgesetz, 28. Auflage, Verlag C. H. Beck, 2010. Schmitt, Jochem, Münchener Kommentar zum BGB (hrsg. v. Franz Jürgen Säcker/Roland Rixecker), 5. Auflage, Band 1/Teilband 1, Verlag C. H. Beck, 2006.,,, 48 1,, 2004. 8.,,, 211,, 2006. 12.,,, 2006 1, ( )., ( ),, 1985.,,, 89,, 1986.,,, 2007.,,, 2005.,,, 112, 1995. 12.,,, 31,, 2005. 7.,,, 214, 2007. 3,,, 170, 2002. 6.,,, 197, 2005. 6.,,, 31 1 2,, 2005. 3., 1,, 1275,, 2004. 9. 15.,,, 64,, 1990. 11 Joe Chen/Yun Jeong Choi/Yasuyuki Sawada, Suicide and Life Insurance, 2008. 4, http:// www.e.u-tokyo.ac.jp/cirje/research/dp/2008/2008cf558.pdf.

Birds, John/Hird, Norma J., Birds Modern Insurance Law, 5th ed., Sweet & Maxwell, 2001. Black, Kenneth, Jr./Skipper, Harold D., Jr., Life Insurance, 11th ed., Prentice Hall, 1987. Clarke, Malcolm A., The Law of Insurance Contracts, 5th ed., informa, 2006. Keeton, Robert E./Widiss, Alan I., Insurance Law, West Publishing Co., 1988. Schuman, Gary, Suicide And The Life Insurance Contract: Was The Insured Sane Or Insane? That Is The Question - Or Is It?, Tort & Insurance Law Journal, Vol. XXVIII, No. 4, Summer 1993. Shipley, W. E., Insurance: Construction of Sane or Insane Provision of Suicide Exclusion (Annotation), 9 A.L.R.3d 1015 (originally published in 1966; current by the weekly addition of relevant new cases). Simon, Robert I./Levenson, James L./Shuman, Daniel W., On Sound and Unsound Mind: The Role of Suicide in Tort and Insurance Litigation, Journal of the American Academy of Psychiatry and the Law, Vol. 33, No. 2, 2005. Slovenko, Ralph, Commentary: Responsibility and Insurance Coverage of the Mentally Ill, Journal of the American Academy of Psychiatry and the Law, Vol. 33, No. 2, 2005. A.M. Best Company, Digest of Insurance Law, http://www.ambest.com/legal/statelawdigest. html, 2010. 6. 1. (1) () - (2008. 3. 26 ). - (2010. 1. 29 ). - (, 2010. 1. 29 ). (2) () - (ALB; Allgemeine Bedingungen für die kapitalbildende Lebensversicherung; 2010. 8. 23 ), http://www.etracker.de/lnkcnt.php?et=8xkpb9&url= http://www.gdv.de/downloads/allg_bedingungen_lv/02_klv_august2010.pdf&lnkna me=rs-download-/downloads/allg_bedingungen_lv/02_klv_august2010.pdf. - (Allgemeine Bedingungen für die Risikoversicherung; 2010. 8. 23 ), http://www.etracker.de/lnkcnt.php?et=8xkpb9&url=http://www.gdv.de/down loads/allg_bedingungen_lv/09_risikoversicherung_august2010.pdf&lnkname=rs- Download-/Downloads/allg_Bedingungen_LV/09_Risikoversicherung_August2010.pdf. - (UZB; Allgemeine Bedingungen für die Unfall-Zusatzversicherung; 2010. 8. 23 ), http://www.etracker.de/lnkcnt.php?et=8xkpb9&url=http://www.gdv.de/

4 2 (2010) Downloads/allg_Bedingungen_LV/17_Unfall_Zusatzversicherung_August2010.pdf&lnk name=rs-download-/downloads/allg_bedingungen_lv/17_unfall_zusatzversicherung August2010.pdf. - (AUB 2008/ ; Allgemeine Unfallversicherungs-Bedingungen; 2008. 12 ), http://www.etracker.de/lnkcnt.php?et=8xkpb9&url=http://www.gdv.de/downloads/al lg_bedingungen_psv/aub08_121208.pdf&lnkname=rs-download-/downloads/allg Bedingungen_pSV/AUB08_121208.pdf. (3) - :, www.nissay.co.jp/kojin/shohin/shiori/shushin/pdf/ 02-189-192.pdf;, www.nissay.co.jp/kojin/shohin/shiori/shushin/pdf/02-193- 196.pdf. - :, www.sumitomolife.co.jp/yakkan/pdf/11.pdf;, www.sumitomolife.co.jp/yakkan/pdf/12.pdf. - : D, event.dai-ichi-life.co.jp/yakkan/01_2010_09_1/ pdf/01_06391_368.pdf; D, event.dai-ichi-life.co.jp/yakkan/02_2010_09_1/ pdf/02_06392_123.pdf. - : (2009. 9 ), www.tokio marine-nichido.co.jp/service/pdf/kokunai_yakkan.pdf. - : (2010. 4 ), www. ms-ins.com/pdf/information/product/syougai/20100401_zaikei_hokenhou/zaikei_hokenh ou_yakkan.pdf. - : (2010. 1 ), www.sompojapan.co.jp/kinsurance/yakkan/download/yutorido1001_yakkan.pdf. (4) - Metropolitan Life Insurance Company (MetLife) : Basic Term Life Insurance AD&D Benefits Description (2 9 Covered Lives) (2010), http://www.metlife2to9.com/userdocs/007012_basic_life_ad&d_all_states_ex_mdnysd_2010.pdf. - New York Life Insurance Company : Group Accidental Death & Dismemberment Insurance Plan, http://www.personal-plans.com/pdfdocs/epsmoore_asme-47341-acciden taldeathanddismemberment.pdf. - Aviva Insurance UK Limited : Family Personal Accident Policy Summary (FPAP15 Mar 10), http://www.aviva.co.uk/library/pdfs/personal-accident/fpap/fpap-cover-key facts.pdf - Sterling Insurance Company Limited : Santander Personal Accident Insurance Policy document (2009.11), http://www.santander.co.uk/csgs/staticbs?blobcol=urldata&blob

header=application%2fpdf&blobkey=id&blobtable=mungoblobs&blobwhere=12234 00951370&maxage=3600. - Great-West Life Assurance Company : PLANDIRECT ENHANCED HEALTHCARE PROTECTION (M6105-10/02), http://www.cfpsa.com/en/corporate/services/hrservices/ RestrictedForms/forms/planDirect_e.pdf. - Manufac turers Life Insurance Company (MenuLife) : Family Term Sample contract (102-77e, 2009.4), https://hermes.manulife.com/canada/repsrcfm-dir.nsf/public/family TermTerm/$File/FamilyTerm_pdE.pdf.,, 2007.,, 2004.!, http://kr.dic.yahoo.com/search/enc. EnCyber, http://www.encyber.com. Koch, Peter/Weiss, Wieland, Gabler Versicherungs Lexikon, Verlag Dr. Th. Gabler GmbH, 1994. Garner, Bryan A., Black s Law Dictionary, 8th ed., Thomson West, 2004. Rubin, Harvey W., Dictionary of Insurance Terms, 4th ed., Barron s Educational Series, Inc., 2000 West s Encyclopedia of American Law, 2nd Edition, 2005, Thomson Gale. :, 2005. 10. 4, http://www. asyura2.com/0510/social2/msg/114.html. Missouri Revised Statutes Chapter 376, http://www.moga.mo.gov/statutes/c300-399/ 3760000620.htm.

4 2 (2010) * Dr. jur., Professor Emeritus an der Seoul Nationalen Universität ** Dr. jur., Professor an der Kyung Hee Universität

4 2 (2010)