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수록정보
2021권3호(2021) |수록논문 수 : 1
간행물 제목
2021권3호(2021년 04월) 수록논문
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1주요국의 신용생명보험 시장과 국내 발전방안

저자 : 이경희

발행기관 : 보험연구원 간행물 : 보험연구원 연구보고서 2021권 3호 발행 연도 : 2021 페이지 : pp. 1-96 (96 pages)

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Despite the recent COVID-19 crisis, Korea's household debt exceeds the nominal GDP as of Q3 2020. This paper proposes to make up for the risk of underinsured household debt using credit insurance. Credit life insurance provides cover for debtors' outstanding loan balance if they are unable to repay their loan due to death, accident & health, and involuntary unemployment.
Consumer credit insurance is developed in advanced countries such as the U.S., Canada, and Japan. In the U.S., the National Association of Insurance Commissioners establishes the Credit Insurance Model Act to regulate premium rates and remuneration limits. Rate adequacy is reviewed every three years using the prima facie rates method. Canadian individuals have a 9% mortgage life insurance coverage. In Japan, the market for group credit life insurance related to long-term mortgage loans has developed since 1960s.
Korean credit insurance market is underdeveloped due to both low awareness and strict regulation. Potential demand exists considering the household's debt ratio and the size of debt. Nevertheless, the ownership of death protection insurance including credit life is significantly low level, and as a result, most of them are underinsured. For the development of the market, supervisory regulations framework should be established. It is desirable to use group credit life insurance policy affiliated with public long-term mortgage loans. The insurance companies require the expansion of disruptive channels and target of millennial groups.

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1주요국의 신용생명보험 시장과 국내 발전방안

저자 : 이경희

발행기관 : 보험연구원 간행물 : 보험연구원 연구보고서 2021권 3호 발행 연도 : 2021 페이지 : pp. 1-96 (96 pages)

다운로드

(기관인증 필요)

키워드 보기
초록보기

Despite the recent COVID-19 crisis, Korea's household debt exceeds the nominal GDP as of Q3 2020. This paper proposes to make up for the risk of underinsured household debt using credit insurance. Credit life insurance provides cover for debtors' outstanding loan balance if they are unable to repay their loan due to death, accident & health, and involuntary unemployment.
Consumer credit insurance is developed in advanced countries such as the U.S., Canada, and Japan. In the U.S., the National Association of Insurance Commissioners establishes the Credit Insurance Model Act to regulate premium rates and remuneration limits. Rate adequacy is reviewed every three years using the prima facie rates method. Canadian individuals have a 9% mortgage life insurance coverage. In Japan, the market for group credit life insurance related to long-term mortgage loans has developed since 1960s.
Korean credit insurance market is underdeveloped due to both low awareness and strict regulation. Potential demand exists considering the household's debt ratio and the size of debt. Nevertheless, the ownership of death protection insurance including credit life is significantly low level, and as a result, most of them are underinsured. For the development of the market, supervisory regulations framework should be established. It is desirable to use group credit life insurance policy affiliated with public long-term mortgage loans. The insurance companies require the expansion of disruptive channels and target of millennial groups.

1
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