A Study on a Viatical Settlements-A advocacy of Placing Limits on the Right to Change an Insurance Beneficiary in Japan-

笔者参与了投保人变更保险受益人权利的研究，结果，一些草率的决定对投保人的权利进行了限制，因为权利不应该是无限的。随后，日本决定对保险法进行修订。在2007年8月公布的临时草案中，理事会成员讨论了投保人变更保险受益人的权利是否应该受到限制。2008年保险法法案提出，并于5月31日获得通过。在新保险法中，投保人的权利是有限的。笔者的研究得出了同样的结论，即投保人变更保险受益人的权利在《保险法》中并不是没有限制的，而是在一般合同条件中得到了重申。在实际业务中，该权利被作为受限制的权利进行管理。这里有一个矛盾之处。如上所述，我高度评价新保险法。这条法律是符合实际的。

I worked with the research that the policyholder should place limits on the right to change an insurance beneficiary As a result, some curt made decisions of being placed limits on the policyholder' right, as the right should not be unlimited. And then insurance law in Japan was decided to be revised. In the temporary tentative draft published on August in 2007, council member discussed whether the policyholder right to change an insurance beneficiary should be restricted or not In 2008 the insurance law bill was introduced, and on May 31 it has been passed. In the new insurance law the policyholder's right is limited. My research reached the same result, that is to say, the right to change an insurance beneficiary a policy holder have is not placed on no limits in Insurance Law, but the right is restated in the general contractual conditions. In practical business the right is managed as restricted. Here is a contradiction. As above, I regard the new insurance law highly. This law is in accordance with the practical business.