Facts about japan / Personal lifes

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Facts about japan / Personal lifes

Risk Management and Insurance / Life insurance

Classification | of the life insurance Life insurance / risk management
"A basic article"
* Life insurance： I died or when I obstacled highly
　　　　　（Is with a life commuter pass a fixed period; for life）
* A pure endowment： In the case of fixed period of time survival
　　　　　（An individual annuity / savings）
* Life-and-death mixed insurance： A combination of death security and the survival security
　　　　　（Yoro）
"Insurance distinction"
* Fixed amount insurance
Death benefit： The constant amount of money guarantee expiration of a term insurance： Constant amount of money guarantee (only as for the definite term type) cash value： A predetermined amount of money special contract part： A constant amount of money condition premium： Expensive dividend： A profit difference, cost margin, differential profit by fewer deaths use calculation, General accounts use object, It is an operative operative risk in a deposit, a call, securities, a loan, real estate： I carry a life insurer on my back
* Variable rate insurance
Death benefit： The operative results change (there is a basic insurance guarantee) expiration of a term insurance： Operative results change (I accomplish a basic insurance guarantee) cash value： Operative results change (I accomplish a basic insurance guarantee) special contract part： A constant amount of money condition premium： Low dividend： Cost margin, differential profit by fewer deaths use calculation, A special calculation use object, It is an operative operative risk with the securities such as inside and outside the country stocks bonds： It is carried a contractor on its back
"Single life / consecutive life"
The single straight insurance： The person insured alone (regularly, for life, old-age insurances) consecutive life insurance： More than two people insured（The married couple walking together student insurance, a conjugal pension）