서울중앙지방법원 | 2014-07-17 | 2013가합47243
법원 판례 기준으로 판결요지와 원문 출처를 내부에서 확인하세요.
원문이 아닌 정리본이며, 저장된 요약의 끝부분이 잘려 있을 수 있습니다.
보험설계사 수수료 환수 약관의 공정성 및 귀책사유 없는 해지 시 환수 가능 여부
결과 요약
- 회사는 근로자에게 164,750,823원 및 이에 대한 2013. 6. 29.부터 다 갚는 날까지 연 20%의 비율로 계산한 금원을 지급함.
사실관계
- 근로자는 보험회사이고, 회사는 1999. 11. 5.부터 2013. 1. 15.까지 근로자의 위탁을 받아 보험모집 업무를 수행한 보험모집인임.
- 근로자는 2010. 3. 31. 회사와 SM 위촉계약을 체결하였고, 이 계약에 따라 회사는 근로자의 보험 상품 중개 및 유지·관리 업무를 수행하며 수수료를 지급받음.
- 해당 사안 계약에는 'SM 수수료 및 환수기준에 대한 부속약정서'(이하 '해당 사안 부속약정서')가 포함되어, 환수 사유 발생 시 기지급된 수수료의 전부 또는 일부를 환수할 수 있도록 함.
- 2013. 2. 5. 근로자는 회사가 관리한 SA(보험설계사) B가 모집한 보험계약 43건이 해지되었음을 이유로, 해당 사안 부속약정에 따라 수수료 환수금 164,750,823원을 회사에게 청구함.
핵심 쟁점, 법리 및 법원의 판단
해당 사안 부속약정의 수수료 환수 규정이 약관규제법상 불공정 약관인지 여부
- 법리: 약관규제법 제2조 제1호는 "약관"을 계약의 한쪽 당사자가 여러 명의 상대방과 계약을 체결하기 위하여 일정한 형식으로 미리 마련한 계약의 내용으로 규정함. 약관규제법 제6조는 고객에게 부당하게 불리한 조항은 무효로 봄.
- 법원의 판단:
- 해당 사안 부속약정은 근로자가 다수의 보험설계사들과 SM 위촉계약을 체결함에 있어 미리 마련한 수수료 환수 기준으로, 약관규제법상 약관에 해당함.
- 해당 사안 부속약정의 수수료 환수 규정은 다음과 같은 사정을 고려할 때 회사에게 부당하게 불리하여 공정성을 잃은 조항이라고 보기 어려움:
- 보험업법 제85조의3 및 동법 시행령 제29조의3 제5호는 '정당한 사유 없이 보험설계사에게 지급한 수수료를 환수하는 행위'를 금지하나, 해당 사안 부속약정은 환수 대상을 '신계약 후 3년 내 품질보증, 해지, 청약철회된 계약'으로 제한함.
- 보험관계 법령에 수수료의 종류, 내용, 환수 기준이 명시되어 있지 않아 사적 자치의 영역에 속함.
- 성과수수료와 비례수수료는 보험계약의 유효한 체결 및 유지를 전제로 선지급되는 수수료이므로, 계약 해지 시 지급 근거가 없어짐.
- SM은 소속 SA의 관리 업무를 수행하며 직접 모집하지 않은 계약에 대해서도 수당을 받으므로, 소속 SA의 귀책사유가 있더라도 SM에게 수수료를 환수하는 것이 불공정하다고 보기 어려움.
- 다만, 보험업법상 정당한 사유 없는 수수료 환수 금지 규정을 고려할 때, 보험계약이 '정당한 사유 없이' 품질보증, 해지, 청약철회된 경우에는 수수료 환수 대상에 포함되지 않는다고 제한적으로 해석함이 상당함.
확보한 수집 내용입니다. 전문 여부와 앞뒤 누락, 문단·표·공백의 원형 보존은 확인되지 않았습니다.
공식 원문 미확인
1. 피고는 원고에게 164,750,823원 및 이에 대한 2013. 6. 29.부터 다 갚는 날까지 연 20%의 비율로 계산한 금원을 지급하라. 2. 소송비용은 피고가 부담한다. 3. 제1항은 가집행할 수 있다.
{"source_kind": "bigcase_html_noauth", "extraction_method": "next_data_noauth", "ai_summary": "# \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc218\uc218\ub8cc \ud658\uc218 \uc57d\uad00\uc758 \uacf5\uc815\uc131 \ubc0f \uadc0\ucc45\uc0ac\uc720 \uc5c6\ub294 \ud574\uc9c0 \uc2dc \ud658\uc218 \uac00\ub2a5 \uc5ec\ubd80\n## \uacb0\uacfc \uc694\uc57d\n- \ud53c\uace0\ub294 \uc6d0\uace0\uc5d0\uac8c 164,750,823\uc6d0 \ubc0f \uc774\uc5d0 \ub300\ud55c 2013. 6. 29.\ubd80\ud130 \ub2e4 \uac1a\ub294 \ub0a0\uae4c\uc9c0 \uc5f0 20%\uc758 \ube44\uc728\ub85c \uacc4\uc0b0\ud55c \uae08\uc6d0\uc744 \uc9c0\uae09\ud568.\n## \uc0ac\uc2e4\uad00\uacc4\n- \uc6d0\uace0\ub294 \ubcf4\ud5d8\ud68c\uc0ac\uc774\uace0, \ud53c\uace0\ub294 1999. 11. 5.\ubd80\ud130 2013. 1. 15.\uae4c\uc9c0 \uc6d0\uace0\uc758 \uc704\ud0c1\uc744 \ubc1b\uc544 \ubcf4\ud5d8\ubaa8\uc9d1 \uc5c5\ubb34\ub97c \uc218\ud589\ud55c \ubcf4\ud5d8\ubaa8\uc9d1\uc778\uc784.\n- \uc6d0\uace0\ub294 2010. 3. 31. \ud53c\uace0\uc640 SM \uc704\ucd09\uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uc600\uace0, \uc774 \uacc4\uc57d\uc5d0 \ub530\ub77c \ud53c\uace0\ub294 \uc6d0\uace0\uc758 \ubcf4\ud5d8 \uc0c1\ud488 \uc911\uac1c \ubc0f \uc720\uc9c0\u00b7\uad00\ub9ac \uc5c5\ubb34\ub97c \uc218\ud589\ud558\uba70 \uc218\uc218\ub8cc\ub97c \uc9c0\uae09\ubc1b\uc74c.\n- \uc774 \uc0ac\uac74 \uacc4\uc57d\uc5d0\ub294 'SM \uc218\uc218\ub8cc \ubc0f \ud658\uc218\uae30\uc900\uc5d0 \ub300\ud55c \ubd80\uc18d\uc57d\uc815\uc11c'(\uc774\ud558 '\uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc11c')\uac00 \ud3ec\ud568\ub418\uc5b4, \ud658\uc218 \uc0ac\uc720 \ubc1c\uc0dd \uc2dc \uae30\uc9c0\uae09\ub41c \uc218\uc218\ub8cc\uc758 \uc804\ubd80 \ub610\ub294 \uc77c\ubd80\ub97c \ud658\uc218\ud560 \uc218 \uc788\ub3c4\ub85d \ud568.\n- 2013. 2. 5. \uc6d0\uace0\ub294 \ud53c\uace0\uac00 \uad00\ub9ac\ud55c SA(\ubcf4\ud5d8\uc124\uacc4\uc0ac) B\uac00 \ubaa8\uc9d1\ud55c \ubcf4\ud5d8\uacc4\uc57d 43\uac74\uc774 \ud574\uc9c0\ub418\uc5c8\uc74c\uc744 \uc774\uc720\ub85c, \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc5d0 \ub530\ub77c \uc218\uc218\ub8cc \ud658\uc218\uae08 164,750,823\uc6d0\uc744 \ud53c\uace0\uc5d0\uac8c \uccad\uad6c\ud568.\n## \ud575\uc2ec \uc7c1\uc810, \ubc95\ub9ac \ubc0f \ubc95\uc6d0\uc758 \ud310\ub2e8\n### \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc758 \uc218\uc218\ub8cc \ud658\uc218 \uaddc\uc815\uc774 \uc57d\uad00\uaddc\uc81c\ubc95\uc0c1 \ubd88\uacf5\uc815 \uc57d\uad00\uc778\uc9c0 \uc5ec\ubd80\n- **\ubc95\ub9ac**: \uc57d\uad00\uaddc\uc81c\ubc95 \uc81c2\uc870 \uc81c1\ud638\ub294 \"\uc57d\uad00\"\uc744 \uacc4\uc57d\uc758 \ud55c\ucabd \ub2f9\uc0ac\uc790\uac00 \uc5ec\ub7ec \uba85\uc758 \uc0c1\ub300\ubc29\uacfc \uacc4\uc57d\uc744 \uccb4\uacb0\ud558\uae30 \uc704\ud558\uc5ec \uc77c\uc815\ud55c \ud615\uc2dd\uc73c\ub85c \ubbf8\ub9ac \ub9c8\ub828\ud55c \uacc4\uc57d\uc758 \ub0b4\uc6a9\uc73c\ub85c \uaddc\uc815\ud568. \uc57d\uad00\uaddc\uc81c\ubc95 \uc81c6\uc870\ub294 \uace0\uac1d\uc5d0\uac8c \ubd80\ub2f9\ud558\uac8c \ubd88\ub9ac\ud55c \uc870\ud56d\uc740 \ubb34\ud6a8\ub85c \ubd04.\n- **\ubc95\uc6d0\uc758 \ud310\ub2e8**:\n- \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc740 \uc6d0\uace0\uac00 \ub2e4\uc218\uc758 \ubcf4\ud5d8\uc124\uacc4\uc0ac\ub4e4\uacfc SM \uc704\ucd09\uacc4\uc57d\uc744 \uccb4\uacb0\ud568\uc5d0 \uc788\uc5b4 \ubbf8\ub9ac \ub9c8\ub828\ud55c \uc218\uc218\ub8cc \ud658\uc218 \uae30\uc900\uc73c\ub85c, \uc57d\uad00\uaddc\uc81c\ubc95\uc0c1 \uc57d\uad00\uc5d0 \ud574\ub2f9\ud568.\n- \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc758 \uc218\uc218\ub8cc \ud658\uc218 \uaddc\uc815\uc740 \ub2e4\uc74c\uacfc \uac19\uc740 \uc0ac\uc815\uc744 \uace0\ub824\ud560 \ub54c \ud53c\uace0\uc5d0\uac8c \ubd80\ub2f9\ud558\uac8c \ubd88\ub9ac\ud558\uc5ec \uacf5\uc815\uc131\uc744 \uc783\uc740 \uc870\ud56d\uc774\ub77c\uace0 \ubcf4\uae30 \uc5b4\ub824\uc6c0:\n- \ubcf4\ud5d8\uc5c5\ubc95 \uc81c85\uc870\uc7583 \ubc0f \ub3d9\ubc95 \uc2dc\ud589\ub839 \uc81c29\uc870\uc7583 \uc81c5\ud638\ub294 '\uc815\ub2f9\ud55c \uc0ac\uc720 \uc5c6\uc774 \ubcf4\ud5d8\uc124\uacc4\uc0ac\uc5d0\uac8c \uc9c0\uae09\ud55c \uc218\uc218\ub8cc\ub97c \ud658\uc218\ud558\ub294 \ud589\uc704'\ub97c \uae08\uc9c0\ud558\ub098, \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc740 \ud658\uc218 \ub300\uc0c1\uc744 '\uc2e0\uacc4\uc57d \ud6c4 3\ub144 \ub0b4 \ud488\uc9c8\ubcf4\uc99d, \ud574\uc9c0, \uccad\uc57d\ucca0\ud68c\ub41c \uacc4\uc57d'\uc73c\ub85c \uc81c\ud55c\ud568.\n- \ubcf4\ud5d8\uad00\uacc4 \ubc95\ub839\uc5d0 \uc218\uc218\ub8cc\uc758 \uc885\ub958, \ub0b4\uc6a9, \ud658\uc218 \uae30\uc900\uc774 \uba85\uc2dc\ub418\uc5b4 \uc788\uc9c0 \uc54a\uc544 \uc0ac\uc801 \uc790\uce58\uc758 \uc601\uc5ed\uc5d0 \uc18d\ud568.\n- \uc131\uacfc\uc218\uc218\ub8cc\uc640 \ube44\ub840\uc218\uc218\ub8cc\ub294 \ubcf4\ud5d8\uacc4\uc57d\uc758 \uc720\ud6a8\ud55c \uccb4\uacb0 \ubc0f \uc720\uc9c0\ub97c \uc804\uc81c\ub85c \uc120\uc9c0\uae09\ub418\ub294 \uc218\uc218\ub8cc\uc774\ubbc0\ub85c, \uacc4\uc57d \ud574\uc9c0 \uc2dc \uc9c0\uae09 \uadfc\uac70\uac00 \uc5c6\uc5b4\uc9d0.\n- SM\uc740 \uc18c\uc18d SA\uc758 \uad00\ub9ac \uc5c5\ubb34\ub97c \uc218\ud589\ud558\uba70 \uc9c1\uc811 \ubaa8\uc9d1\ud558\uc9c0 \uc54a\uc740 \uacc4\uc57d\uc5d0 \ub300\ud574\uc11c\ub3c4 \uc218\ub2f9\uc744 \ubc1b\uc73c\ubbc0\ub85c, \uc18c\uc18d SA\uc758 \uadc0\ucc45\uc0ac\uc720\uac00 \uc788\ub354\ub77c\ub3c4 SM\uc5d0\uac8c \uc218\uc218\ub8cc\ub97c \ud658\uc218\ud558\ub294 \uac83\uc774 \ubd88\uacf5\uc815\ud558\ub2e4\uace0 \ubcf4\uae30 \uc5b4\ub824\uc6c0.\n- \ub2e4\ub9cc, \ubcf4\ud5d8\uc5c5\ubc95\uc0c1 \uc815\ub2f9\ud55c \uc0ac\uc720 \uc5c6\ub294 \uc218\uc218\ub8cc \ud658\uc218 \uae08\uc9c0 \uaddc\uc815\uc744 \uace0\ub824\ud560 \ub54c, \ubcf4\ud5d8\uacc4\uc57d\uc774 '\uc815\ub2f9\ud55c \uc0ac\uc720 \uc5c6\uc774' \ud488\uc9c8\ubcf4\uc99d, \ud574\uc9c0, \uccad\uc57d\ucca0\ud68c\ub41c \uacbd\uc6b0\uc5d0\ub294 \uc218\uc218\ub8cc \ud658\uc218 \ub300\uc0c1\uc5d0 \ud3ec\ud568\ub418\uc9c0 \uc54a\ub294\ub2e4\uace0 \uc81c\ud55c\uc801\uc73c\ub85c \ud574\uc11d\ud568\uc774 \uc0c1\ub2f9\ud568.\n#### \uad00\ub828 \ud310\ub840 \ubc0f \ubc95\ub839\n- \uc57d\uad00\uc758 \uaddc\uc81c\uc5d0 \uad00\ud55c \ubc95\ub960 \uc81c2\uc870 \uc81c1\ud638, \uc81c6\uc870\n- \ubcf4\ud5d8\uc5c5\ubc95 \uc81c85\uc870\uc7583, \uc81c95\uc870\uc7582, \uc81c102\uc870\n- \ubcf4\ud5d8\uc5c5\ubc95 \uc2dc\ud589\ub839 \uc81c29\uc870\uc7583 \uc81c5\ud638\n### C\uc640 \uc0ac\uc774\uc5d0 \uccb4\uacb0\ub41c 38\uac74\uc758 \ubcf4\ud5d8\uacc4\uc57d\uc5d0 \uad00\ud55c \uc218\uc218\ub8cc \ud658\uc218\uac00 \ubd80\ub2f9\ud55c\uc9c0 \uc5ec\ubd80\n- **\ubc95\ub9ac**: \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc740 \ubcf4\ud5d8\uacc4\uc57d \ud574\uc9c0 \uc2dc \uc120\uc9c0\uae09\ub41c \uc218\uc218\ub8cc\ub97c \uc804\uc561 \ud658\uc218\ud558\ub3c4\ub85d \uc815\ud558\uace0 \uc788\uc73c\uba70, \uc218\uc218\ub8cc \ud658\uc218\uac00 \ud53c\uace0\uc758 \uadc0\ucc45\uc0ac\uc720\ub85c \uc778\ud55c \ud574\uc9c0\uc5d0 \ud55c\uc815\ub41c\ub2e4\uace0 \ud574\uc11d\ud560 \uadfc\uac70\uac00 \uc5c6\uc74c.\n- **\ubc95\uc6d0\uc758 \ud310\ub2e8**:\n- \ud53c\uace0\uc758 \uadc0\ucc45\uc0ac\uc720 \uc5c6\ub294 \ud574\uc9c0 \uc8fc\uc7a5\uc5d0 \ub300\ud574, \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc740 \ud53c\uace0\uc758 \uadc0\ucc45\uc0ac\uc720\ub97c \ud658\uc218 \uc870\uac74\uc73c\ub85c \uba85\uc2dc\ud558\uc9c0 \uc54a\uc73c\ubbc0\ub85c, \uc124\ub839 \ud53c\uace0\uc5d0\uac8c \uadc0\ucc45\uc0ac\uc720\uac00 \uc5c6\uc5c8\ub354\ub77c\ub3c4 \uc815\ub2f9\ud55c \uc0ac\uc720\ub85c \ud574\uc9c0\ub41c \uc774\uc0c1 \uc218\uc218\ub8cc \ud658\uc218\ub97c \uac70\ubd80\ud560 \uc218 \uc5c6\uc74c.\n- \uc6d0\uace0\uac00 \uc784\uc758\ub85c \ud574\uc9c0\ud588\ub2e4\ub294 \uc8fc\uc7a5\uc5d0 \ub300\ud574, B\uac00 C\uc5d0\uac8c \ubd88\uc644\uc804\ud310\ub9e4(\uc6d0\uae08 \ubcf4\uc7a5 \uc124\uba85, \ud658\uae09\ub960 \uc790\ub8cc \uc784\uc758 \uc791\uc131 \ub4f1)\ub97c \ud55c \uc0ac\uc2e4\uc774 \uc778\uc815\ub428.\n- \uc6d0\uace0\ub294 \ubd88\uc644\uc804\ud310\ub9e4\ub85c \uc778\ud55c \ud558\uc790\ub97c \uc778\uc815\ud558\uc5ec 38\uac74\uc758 \ubcf4\ud5d8\uacc4\uc57d\uc744 \ucde8\uc18c(\ud574\uc9c0)\ud558\uace0 C\uc5d0\uac8c \ub0a9\uc785 \ubcf4\ud5d8\ub8cc\ub97c \ubc18\ud658\ud558\uc600\uc73c\ubbc0\ub85c, \uc774\ub294 \uc774 \uc0ac\uac74 \ubd80\uc18d\uc57d\uc815\uc774 \uc815\ud55c '\uc2e0\uacc4\uc57d \ud6c4 3\ub144 \ub0b4 \ud488\uc9c8\ubcf4\uc99d, \ud574\uc9c0, \uccad\uc57d\ucca0\ud68c\ub41c \ub54c'\uc5d0 \ud574\ub2f9\ud568.\n- \uc57d\uad00\uc5d0 \uc815\ud55c \ucde8\uc18c\uad8c \ud589\uc0ac \uae30\uac04(\uccad\uc57d \ud6c4 3\uac1c\uc6d4)\uc774 \ub3c4\uacfc\ud588\ub354\ub77c\ub3c4, \uc57d\uad00\uaddc\uc81c\ubc95 \uc81c3\uc870(\uc124\uba85\uc758\ubb34) \ubc0f \ubcf4\ud5d8\uc5c5\ubc95 \uc81c95\uc870\uc7582, \uc81c102\uc870(\uc124\uba85\uc758\ubb34 \uc704\ubc18 \ubc0f \ubcf4\ud5d8\ud68c\uc0ac\uc758 \ubc30\uc0c1 \ucc45\uc784) \ub4f1\uc758 \uc801\uc6a9\uc774 \ubc30\uc81c\ub418\uc9c0 \uc54a\uc73c\ubbc0\ub85c, \uc124\uba85\uc758\ubb34 \uc704\ubc18\uc758 \ud558\uc790\uac00 \uce58\uc720\ub418\uac70\ub098 \ubc95\uc801 \ucc45\uc784\uc774 \uc5c6\uc5b4\uc9c0\ub294 \uac83\uc740 \uc544\ub2d8. \ub530\ub77c\uc11c \uc6d0\uace0\uac00 C\uc758 \ucde8\uc18c \uc694\uccad\uc744 \ubc1b\uc544\ub4e4\uc5ec \uacc4\uc57d\uc744 \uc885\ub8cc\uc2dc\ud0a8 \uac83\uc774 \ubd80\ub2f9\ud558\ub2e4\uace0 \ubcfc \uc218 \uc5c6\uc74c.\n## \uac80\ud1a0\n- \ubcf8 \ud310\uacb0\uc740 \ubcf4\ud5d8\uc124\uacc4\uc0ac \uc218\uc218\ub8cc \ud658\uc218 \uc57d\uad00\uc758 \uc720\ud6a8\uc131\uc744 \uc778\uc815\ud558\uba74\uc11c\ub3c4, \uc57d\uad00\uaddc\uc81c\ubc95 \ubc0f \ubcf4\ud5d8\uc5c5\ubc95\uc758 \ucde8\uc9c0\ub97c \uace0\ub824\ud558\uc5ec '\uc815\ub2f9\ud55c \uc0ac\uc720 \uc5c6\ub294 \ud658\uc218 \uae08\uc9c0' \uc6d0\uce59\uc744 \uc81c\ud55c\uc801\uc73c\ub85c \ud574\uc11d\ud574\uc57c \ud568\uc744 \uba85\uc2dc\ud568.\n- \ud2b9\ud788, \ubcf4\ud5d8\ud68c\uc0ac\uac00 \ubd88\uc644\uc804\ud310\ub9e4 \ub4f1 \uc815\ub2f9\ud55c \uc0ac\uc720\ub85c \uacc4\uc57d\uc744 \ud574\uc9c0\ud55c \uacbd\uc6b0, \uc124\uacc4\uc0ac\uc758 \uadc0\ucc45\uc0ac\uc720 \uc720\ubb34\uc640 \uad00\uacc4\uc5c6\uc774 \uc218\uc218\ub8cc \ud658\uc218\uac00 \uac00\ub2a5\ud568\uc744 \ud655\uc778\ud568. \uc774\ub294 \ubcf4\ud5d8\ud68c\uc0ac\uc758 \uc124\uba85\uc758\ubb34 \uc704\ubc18\uc5d0 \ub300\ud55c \ucc45\uc784\uc744 \uc124\uacc4\uc0ac\uc5d0\uac8c \uc804\uac00\ud558\ub294 \uce21\uba74\uc774 \uc788\uc74c\uc744 \uc2dc\uc0ac\ud568.\n- \uc57d\uad00\uc758 \ud574\uc11d\uc5d0 \uc788\uc5b4 \ubc95\ub839\uc758 \ucde8\uc9c0\ub97c \uace0\ub824\ud55c \uc81c\ud55c\uc801 \ud574\uc11d\uc758 \uc911\uc694\uc131\uc744 \ubcf4\uc5ec\uc8fc\ub294 \uc0ac\ub840\uc784."}
관련 판례 및 법령
- 약관의 규제에 관한 법률 제2조 제1호, 제6조
- 보험업법 제85조의3, 제95조의2, 제102조
- 보험업법 시행령 제29조의3 제5호
C와 사이에 체결된 38건의 보험계약에 관한 수수료 환수가 부당한지 여부
- 법리: 해당 사안 부속약정은 보험계약 해지 시 선지급된 수수료를 전액 환수하도록 정하고 있으며, 수수료 환수가 회사의 귀책사유로 인한 해지에 한정된다고 해석할 근거가 없음.
- 법원의 판단:
- 회사의 귀책사유 없는 해지 주장에 대해, 해당 사안 부속약정은 회사의 귀책사유를 환수 조건으로 명시하지 않으므로, 설령 회사에게 귀책사유가 없었더라도 정당한 사유로 해지된 이상 수수료 환수를 거부할 수 없음.
- 근로자가 임의로 해지했다는 주장에 대해, B가 C에게 불완전판매(원금 보장 설명, 환급률 자료 임의 작성 등)를 한 사실이 인정됨.
- 근로자는 불완전판매로 인한 하자를 인정하여 38건의 보험계약을 취소(해지)하고 C에게 납입 보험료를 반환하였으므로, 이는 해당 사안 부속약정이 정한 '신계약 후 3년 내