人身保險要保人之何種權利得做為強制執行之標的－－兼評目前實施對保單價值準備金、解約金強制執行之作法

Type of Rights of Life Insurance Proposers as the Subject Matter of Compulsory Execution

保險具有危險移轉、分散損失、消化風險之功能，人身保險契約因繳交保險費而累積有財產價值，若要保人身為債務人時，法院就要保人所訂立之保險契約，應為如何之強制執行始為適法？本文就人身保險要保人之何種權利得作為強制執行之標的，逐一分析檢討，並提出可行之執行方法，以供實務界之參考。

Insurance is used for risk transfer, loss diversification, and risk mitigation. The property value of a life insurance contract increases as the proposer pays the premiums. To find a legitimate way for the court to implement compulsory execution based on the proposer's insurance contract if the proposer is also the debtor, this paper examines and analyzed each right of the life insurance proposer as the subject matter of compulsory execution and then proposes feasible methods for practice.