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

我曾与研究，投保人应该把限制的权利，改变保险受益人的结果，一些curt作出的决定，被放置在投保人的权利限制，因为权利不应该是无限的.日本的保险法也决定进行修改。在2007年8月公布的临时草案中，理事会成员讨论了是否应限制投保人变更保险受益人的权利。在新的保险法中，投保人的权利受到了限制。笔者的研究也得出了同样的结论，即保单保持器人变更保险受益人的权利在保险法中并没有规定无限制，而是在一般合同条件中予以重申。在实际业务中，这种权利是作为有限的权利来管理的。这里有一个矛盾。因此，我对新《保险法》非常重视。这条法律是符合实际业务的。

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.