Nowadays standard contract terms play very important role in modern consumer society. Transaction per contract terms plays very important role in everyday life of the people. In other words, standard contract terms has important roles in modern, mass product society, especially in the field of insurance and banking business. But the interest of the clients can be neglected by the unfair standard contract terms about the bank trade. Therefore, it happens very often that people confront problems with the use of inadequate standard contract terms. One of the rule about regulating standard contract terms is the rule of priority of individual agreements. When a person made individual stipulation, this can be applied by priority before standard contract terms. People do not read standard contract terms. But most of them recognize the individual stipulation. Therefore the rule of priority of individual agreements protect general consumer. This study concentrates on analysing the rule of priority of individual agreements in standard contract terms. The rule of priority of individual agreements is regulated in § 4 korean unfair contract terms act. It is also regulated in § 305 German Civil Code. The rule is therefore a kind of global standard. The court decisions in korea habe some problems in the field of the application of this rule. It should apply the rule more clearly. And the rule of priority of individual agreements should also applied in insurance contracts. Insurance contracts habe some special character. Nevertheless, the standard contract terms of insurance is also a kind of standard contract terms. The special character of insurance contracts should not be pointed out so severely in modern society. This is also international trend.