JP2004078479A - Insurance information providing system and insurance information providing program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an insurance information providing system capable of retrieving a recommended insurance product and diagnosing the suitability of an entered insurance product. <P>SOLUTION: This insurance information providing system is provided with a management server 2 having a public offering means 11 for offering an insurance information Web to the public; a management side storage means 12 for storing the insurance product; a course presenting means 13 for presenting a plurality of retrieval courses SC; a retrieval condition receiving means 14 for receiving retrieval conditions SL; a retrieval means 15 and a recommended information providing means 16 for retrieving the recommended insurance product RI and providing information; a contract information receiving means 17 for receiving contract basic information CB; a guaranteed amount estimating means 18 and a guaranteed amount providing means 19 for estimating and providing the necessary guaranteed amount; a simulated document display means 22 for displaying a simulated document 21; an entry information receiving means 23 and a diagnostic means 24 for receiving and diagnosing entry information JI; a diagnostic information providing means 25 for providing diagnostic information AI; and a comparing means 26 for making comparison with the entered insurance product and providing comparison information CI. <P>COPYRIGHT: (C)2004,JPO

Description

[0001]
TECHNICAL FIELD OF THE INVENTION
The present invention relates to an insurance information providing system and an insurance information providing program, and particularly to an insurance information web including various contents related to insurance established on a communication network, which is suitable for a prospective contractor and is recommended insurance. The present invention relates to an insurance information providing system capable of searching for a product and providing it as recommended information, and an insurance information providing program.
[0002]
[Prior art]
Traditionally, many insurance companies have developed many types of insurance products and sold them to customers seeking insurance contracts. In addition, recent deregulation policies have created not only existing insurance companies but also new insurance companies with foreign capital. No unique insurance products have been developed and sold. On the other hand, the existing insurance companies mentioned above have also made capital alliances and mergers among insurance companies to further stabilize their finances and increase their competitiveness against new entrants such as foreign-affiliated companies. I have.
[0003]
As a result, the number of insurance products sold in the market has increased dramatically compared to the past, and companies having uniqueness in the scope of insurance and insurance rates have been developed. Therefore, a customer who intends to conclude an insurance contract (hereinafter referred to as a “probable contractor”) can select from a wide variety of insurance products, and the range of choices is widened, and his or her own lifestyle, etc. It is possible to make insurance contracts that are advantageous for prospective contractors, for example, because it is possible to reduce the monthly payment amount and the contents suitable for the contract.
[0004]
[Problems to be solved by the invention]
However, the increase in the number of insurance products to be dealt with has a wide range of choices as described above and is advantageous to prospective contractors, but rather may be a factor to confuse prospective contractors. In other words, it is difficult to make an insurance contract after grasping the contract conditions and security plans of all the insurance products sold, and the prospective contractor with little knowledge of insurance is likely to find a difference between multiple insurance products. In most cases, it was difficult to understand what insurance product was best suited for their lifestyle.
[0005]
In the situation described above, the selection of insurance products is generally based on “insurance professionals” such as specialists such as FPs (financial planners) who have advanced insurance knowledge and insurance agents employed by each insurance company. Was done according to the advice of "
[0006]
Here, the insurance agent actively promotes the insurance products of the employed insurance company, and naturally deals with the insurance products handled by the company. Thus, while highlighting the advantages of their insurance products, they were unable to compare them to those of other companies. For this reason, a prospective contractor with little knowledge of insurance has sometimes adopted a contract plan recommended by an insurance agent without making a comparison of the contents of insurance products of other companies. Therefore, some prospects felt that they were "buying insurance" despite their choice.
[0007]
In general, prospective contractors consider the amount of insurance premiums to be paid monthly and the amount of security received at the time of application at the time of contract, but do not pay attention to details such as insurance coverage and application conditions. In many cases.
[0008]
As a result, there have been cases in which the insurance range of the insurance products that the customer has subscribed to is limited, and insurance premiums are overpaid for being unsuitable for life plans. However, many prospective policymakers rarely reconsider their insurance contracts once they have subscribed to them, and also have little knowledge of insurance to confirm that they are really suitable for themselves. Sometimes it was difficult.
[0009]
On the other hand, when receiving advice from an FP with advanced insurance knowledge, insurance products suitable for prospective contractors are recommended from a relatively fair standpoint without bias to insurance products of specific insurance companies, and insurance contracts can be made with confidence. Could be concluded. However, in this case, it is necessary to meet directly with the FP to have an interview, and for a busy person who has no time, there is a case where the interview time is not sufficiently taken to receive appropriate advice. Further, in order to receive the above-mentioned advice, it is necessary to disclose to the FP information similar to personal information, such as the age of the prospective contractor, annual income, family structure, and future prospects. However, there are some prospects who are hesitant to disclose such personal information when they are at a loss for an insurance contract.
[0010]
Therefore, in view of the above circumstances, the present invention can search for a recommended insurance product suitable for a prospective contractor from among a plurality of insurance products, further diagnose the adequacy of existing insurance products, and compare the insurance products with the recommended insurance products. It is an object to provide a possible insurance information providing system and an insurance information providing program.
[0011]
[Means for Solving the Problems]
In order to solve the above problems, an insurance information providing system according to the first aspect of the present invention is opened by a management server connected to a communication network, and provides insurance information on an insurance information web including a plurality of contents related to insurance. An insurance information providing system, wherein the management server publishes the insurance information web on the communication network and enables access from a prospective terminal used by a prospective contractor, and a plurality of insurance companies. Storage means for classifying the insurance products sold from the company based on various insurance data including the insurance type, the insurance rate, and the rating of the insurance company, registering and storing the insurance product in the insurance product database, and suitable for the prospective contractor. A search course for presenting, via the communication network, a plurality of search courses for searching for recommended recommended insurance products Indicating means, search condition receiving means for receiving a search condition for searching for the recommended insurance product according to the search course when one of the presented search courses is selected by the prospective contractor, and the search course A search means for searching and extracting the recommended insurance products suitable for the prospective contract from the insurance product database based on the search conditions, and the searched recommended insurance products as recommended information via the communication network. Means for providing recommended information to the prospective terminal.
[0012]
Here, insurance products are those that are developed and sold by life insurance companies and non-life insurance companies, etc., and many are sold by each insurance company that have characteristics such as coverage, coverage, and insurance premium rate. Have been. In particular, in the case of life insurance, it can be further subdivided into life insurance, short-term term insurance, variable insurance, pension insurance, endowment insurance, medical insurance, and long-term care insurance. In addition, contract conditions can be strictly restricted, or can be classified according to types such as savings type and discard type.
[0013]
Furthermore, the insurance information web is composed of a plurality of contents related to insurance, and includes, for example, contents mainly providing information for providing basic knowledge about insurance or explaining each insurance product. Content such as consulting that can search for insurance to be contracted or simulate a life plan in accordance with its own contract conditions and assets.
[0014]
In addition, the search course presents a plurality of search methods for searching for recommended insurance products that are suitable for prospective contractors and that are recommended, thereby enabling the prospective contractor to make a selection. For example, if the insurance product to be contracted has already been determined, 1) the name of the insurance company or 2) the name of the insurance product is selected and searched. If there is a specific insurance contract plan, Various searches can be performed based on input criteria such as 3) guarantee contents, 4) search from insurance amount at the time of application of insurance. That is, it can be appropriately selected according to the knowledge and situation of the prospective contractor regarding insurance.
[0015]
Further, the insurance product database is a product content of the insurance product in which, when one is selected from the plurality of search courses described above, the recommended insurance product is searched according to the search course and the search condition received according to the search course. And contract conditions are converted into data, classified and stored. For example, as a configuration of the insurance product database, an insurance company list table including basic data such as an insurance company name and address, and financial data related to the rating of the insurance company, an insurance product name, a sales insurance company, an insurance type, a feature, and a structure Insurance product list table including charts, insurance product details table for men and women including more detailed insurance period, payment period, security upper and lower limits, etc. for insurance products included in insurance product list table, and the age of participation at the time of contract An insurance product restriction table including a limitation range, a maximum and a minimum insurance amount, and the like may be used.
[0016]
Therefore, according to the insurance information providing system according to the first aspect of the present invention, an appropriate recommendation is made according to the search course and search conditions desired by the prospective contractor through the insurance information web that is made accessible to the prospective terminal via the communication network. Insurance products are searched. In this way, when knowledge about insurance is abundant and insurance products to be contracted have already been determined, a search is made from the insurance product name and the like, and detailed information is provided to prospective contractors. On the other hand, for prospective contractors who have little knowledge of insurance and have difficulty in determining which insurance product is suitable for their lifestyle, it is easy to enter information such as the amount of security and monthly payment. A search for recommended insurance products is performed based on various conditions. In other words, by presenting a plurality of search courses for searching for a recommended insurance product on the insurance information web, an appropriate insurance product is searched according to the knowledge of the prospective contractor regarding insurance.
[0017]
The insurance information providing system according to a second aspect of the present invention is the insurance information providing system according to the first aspect, wherein the management server transmits contract basic information including the age and annual income of the prospective contractor via the communication network. Based on the received contract basic information, based on the received contract basic information, a security amount trial calculation means for calculating the required security amount of the prospective contractor, and the communication network as the security amount information using the calculated required security amount as security information. Means for providing a guarantee amount to the prospective terminal via the terminal.
[0018]
Here, the contract basic information is entered to estimate the security amount (= necessary security amount) at the time of applying the insurance, and in addition to the above-mentioned age and annual income of the prospective contractor, the presence or absence of dependents And personal information, such as age, and estimated total education costs for children, medical costs, and the current total assets of prospective contractors.
[0019]
Here, a specific example of the calculation of the required security amount is shown as follows: A = “money required in case of emergency”, B = “money publicly obtained in case of emergency”, C = “total asset”, Assuming that D = “additional amount of education expenses and medical expenses” and E = “required security amount”, a trial calculation is made by “E = ABC−D”. That is, the amount covered by life insurance or the like supplements the amount that cannot be covered by public security such as social insurance, and that amount corresponds to the required security amount.
[0020]
The required amount of security varies greatly depending on the number and age of dependents, the annual income, and the age of the prospective contractor. In general, it is estimated that married people in their late 30s to early 40s are most needed, and children grow up and become independent. As it gradually decreases. The required amount of insurance calculated by each insurance company (corresponding to E described above) is set slightly higher than the required amount of security because the higher the amount of insurance, the more directly related to the profit of the company. It is said that the tendency is strong.
[0021]
Therefore, according to the insurance information providing system of the second aspect of the present invention, in addition to the operation of the insurance information providing system of the first aspect of the present invention, based on the contract basic information on the prospective contractor sent from the prospective terminal, The required amount of insurance that matches the lifestyle of the prospective contractor is calculated. Thus, a prospective contractor who has calculated the necessary security amount on the insurance information web before making an insurance contract can execute an insurance contract with reference to the security amount information of the required security amount as a trial calculation result. In addition, since the above-mentioned required security amount is not estimated by the insurance company, conventional bad effects such as the required security amount being calculated higher than necessary are eliminated, and an objective and appropriate security amount is estimated. .
[0022]
In the insurance information providing system according to a third aspect of the present invention, in the insurance information providing system according to the second aspect, the management server includes an insurance product in which the prospective contractor has already concluded an insurance contract and has subscribed. Subscription information indicating the contents of the contract, the subscription information receiving means for receiving via the communication network, based on the received subscription information and the estimated security amount information, the appropriateness of the existing insurance product for the prospective contract. The diagnostic apparatus further includes diagnostic means for diagnosing, and diagnostic information providing means for providing the diagnosis result to the prospective terminal via the communication network as diagnostic information.
[0023]
Therefore, according to the insurance information providing system of the third aspect of the present invention, in addition to the action of the insurance information providing system of the second aspect of the present invention, there is an insurance product (an existing insurance product) to which the prospective contractor has already subscribed. In this case, the validity of the contract content is determined based on the required security amount calculated from the basic contract information and the enrollment information of the existing insurance products. That is, the security amount of the existing insurance product is compared with the estimated required security amount, or it is diagnosed whether the security range according to the lifestyle is appropriate. For this reason, it is confirmed in advance that the insurance premium has been overpaid excessively, or conversely, if the insurance premium is too low to obtain sufficient security. Therefore, an opportunity is provided for the prospective contractor to reconsider the contents of the insurance contract. The number of existing insurance products to be diagnosed is not limited to one. If there are multiple existing insurance products, subscription information is entered for each of them, The appropriateness may be diagnosed between the sum and the estimated required security amount.
[0024]
In the insurance information providing system according to a fourth aspect of the present invention, in the insurance information providing system according to the third aspect, the management server imitates an insurance policy of the already-insured insurance product, and a position of the insurance information is displayed. 4. The insurance information providing system according to claim 3, further comprising: a simulated securities display unit for publishing and displaying the indicated simulated securities on the insurance information web. 5.
[0025]
Therefore, according to the insurance information providing system of the fourth aspect of the present invention, in addition to the operation of the insurance information providing system of the third aspect of the present invention, a state in which a simulated security imitating a real insurance policy indicates the position where the subscription information is posted. Is displayed on the insurance information web. Here, the state indicating the posting position of the enrollment information means, for example, a number for each item of enrollment information such as (1) name, (2) insurance type, and (3) enrollment insurance type on the simulated securities. The user inputs the subscription information on the display screen of the subscription information receiving means, which is displayed differently from the window on which the simulated securities are displayed, in correspondence with the circled number of the publication position. As a result, among the items listed in the actual insurance policy, those that are not familiar to prospective contractors, such as the type of insurance and the type of insurance, and have difficulty in entering enrollment information are appropriate. This is to prevent the erroneous input from being performed easily by inputting the relevant subscription information by the advice. Here, when a plurality of existing insurance products are contracted, the simulated securities of the corresponding insurance companies are displayed. Then, the subscription information is received by the subscription information receiving unit while confirming the posting position of the subscription information of the actual (in other words, already existing) insurance products that have already been subscribed. Operability and input easiness, such as inputting the same contents in the same entry field for one mock security, and inputting the same contents for the other mock security fields collectively. May be improved and improved.
[0026]
The insurance information providing system according to a fifth aspect of the present invention is the insurance information providing system according to the third or fourth aspect, wherein the management server is configured to search the recommended information on the searched recommended insurance product and the prospective contractor. And comparing the contents of the insurance products that have already been joined based on the required security amount and providing the comparison result to the prospective terminal via the communication network as comparison information.
[0027]
Therefore, according to the insurance information providing system of the invention of claim 5, in addition to the operation of the insurance information providing system of the invention of claim 3 or 4, the comparison between the recommended insurance product and the existing insurance product is performed. This will give prospective contractors an opportunity to reconsider the contents of the current insurance contract, take action such as contracting new insurance products, canceling unnecessary insurance contracts, and requesting changes to the contract contents. Prompt. As a result, the insurance contract of the prospective contractor is ensured.
[0028]
The insurance information providing system according to a sixth aspect of the present invention is the insurance information providing system according to any one of the first to fifth aspects, wherein the search course includes the recommended insurance according to a family structure of the contract prospect. This includes a family structure designation course for searching for products.
[0029]
Therefore, according to the insurance information providing system of the invention of claim 6, in addition to the operation of the insurance information providing system of any one of claims 1 to 5, the search is performed by designating a family structure as a search course. Includes a designated family structure course. In other words, since the family composition is the most easily input item for the prospective contractor, even a prospective contractor with little knowledge of insurance can input the relevant items appropriately, and as a result It becomes possible to search for recommended insurance products and to receive provision of recommended information.
[0030]
An insurance information providing program according to the invention of claim 7 discloses an insurance information web composed of a plurality of contents relating to insurance on a communication network and enables access from a prospective terminal used by a prospective contractor. Storage means for classifying insurance products sold by a plurality of insurance companies based on various types of insurance data including insurance types, insurance rates, and ratings of the insurance companies, registering and storing the insurance products in an insurance product database, Search course presenting means for presenting, via the communication network, a plurality of search courses for searching for recommended insurance products that are suitable for the prospective contractor, and one of the presented search courses is the prospective contractor. A search condition receiving means for receiving a search condition for searching for the recommended insurance product according to the search course, Search means for searching and extracting the recommended insurance products suitable for the prospective contract from the insurance product database based on a search course and the search conditions, and the searched recommended insurance products as the recommended information in the communication network. And a function of a management server connected to the communication network as recommended information providing means provided to the prospective terminal via the network.
[0031]
Therefore, according to the insurance information providing program of the invention of claim 7, when the program is executed, the management server has the same effect as that of claim 1.
[0032]
An insurance information providing program according to an eighth aspect of the present invention is the insurance information providing program according to the seventh aspect, wherein contract basic information including the age and annual income of the prospective contractor is received via the communication network. Means, a security amount estimation means for estimating a required security amount of the prospective contractor based on the received basic contract information, and the prospective terminal via the communication network using the estimated required security amount as security amount information. The management server is further made to function as security amount providing means provided to the user.
[0033]
Therefore, according to the insurance information providing program of the invention of claim 8, when the program is executed, in addition to the operation of the insurance information providing program of the invention of claim 7, the management server exerts the same operation as that of claim 2.
[0034]
An insurance information providing program according to a ninth aspect of the present invention is the insurance information providing program according to the eighth aspect, wherein the prospective contractor has already concluded an insurance contract and indicates the contract contents of an insurance product that has been subscribed. Subscription information, subscription information receiving means for receiving via the communication network, based on the received subscription information and the estimated security amount information, diagnostic means for diagnosing the suitability of the existing insurance product for the prospective contractor, and The management server further functions as diagnostic information providing means for providing a diagnosis result as diagnostic information to the prospective terminal via the communication network.
[0035]
Therefore, according to the insurance information providing program of the ninth aspect of the invention, when the program is executed, in addition to the action of the insurance information providing program of the eighth aspect of the invention, the management server has the same effect as the third aspect.
[0036]
An insurance information providing program according to a tenth aspect of the present invention is the insurance information providing program according to the ninth aspect of the present invention, wherein the insurance policy of the already-insured insurance product is imitated, and The management server is further made to function as a simulated securities display means for displaying and displaying the insurance information on the insurance information web.
[0037]
Therefore, according to the insurance information providing program of the tenth aspect of the present invention, when the program is executed, in addition to the action of the insurance information providing program of the ninth aspect of the invention, the management server exhibits the same action as that of the fourth aspect.
[0038]
The insurance information providing program according to the invention of claim 11 is the insurance information providing program according to claim 9 or 10, wherein the recommended information of the searched recommended insurance product and the required security amount of the prospective contractor are obtained. The management server is further functioned as comparison means for comparing the contents of the already-insured insurance products based on the comparison result and providing the comparison result as the comparison information to the prospective terminal via the communication network.
[0039]
Therefore, according to the insurance information providing program of the eleventh aspect of the present invention, when the program is executed in addition to the operation of the insurance information providing program of the ninth or tenth aspect of the present invention, the management server becomes the same as the fifth aspect. It works.
[0040]
BEST MODE FOR CARRYING OUT THE INVENTION
Hereinafter, an insurance information providing system 1 according to an embodiment of the present invention will be described with reference to FIGS. FIG. 1 is an explanatory diagram showing a configuration of an insurance information providing system 1 according to an embodiment of the present invention. FIG. 2 is a block diagram showing a functional configuration of a management server 2 in the insurance information providing system 1. FIG. 4 is a block diagram showing a functional configuration of the prospective terminal 3 in the insurance information providing system 1, FIGS. 4 to 6 are flowcharts showing a flow of processing in the management server 2, and FIGS. FIG. 4 is an explanatory diagram schematically showing a display screen and a hierarchical configuration of each content in FIG.
[0041]
As shown in FIG. 1, the insurance information providing system 1 of the present embodiment is installed and operated by an insurance agency IA that performs a contract agency business for a plurality of insurance products sold by an insurance company, and various contents related to insurance. In addition to opening the insurance information web 4 constructed by the company, the management server 2 that publishes the information on the Internet IN, and has a function connectable to the Internet IN, accesses the published insurance information web 4 and It comprises a plurality of prospective terminals 3 that can be browsed. Here, the prospective terminal 3 is operated by a prospective contractor CC who is expected to make a new insurance contract, such as wishing to conclude an insurance contract or reviewing the contract contents of an insurance product currently subscribed. It's being used.
[0042]
The prospective terminal 3 receives information such as basic knowledge and commentary on insurance from the management server 2 by the contents of the insurance information web 4 and personal information such as the family structure and income of the contract prospective CC. Based on the information, a trial calculation of the required amount of security to be a reference when concluding an insurance contract, and various results of diagnosing the appropriateness of insurance products that have already been enrolled (hereinafter referred to as “enrolled insurance products AJ”) Information can be obtained.
[0043]
More specifically, as shown in FIG. 2, the management server 2 publishes an insurance information web 4 created based on the content data CD on the Internet IN as a functional configuration as shown in FIG. Means 11 that allows access from an insurance company, and various types of insurance products of a plurality of insurance companies handled by an insurance agency IA that has installed a management server 2 such as insurance types, insurance rates, and ratings of insurance companies. The product data ID categorized based on the above data is registered and stored in the insurance product database IDB, and a search method for searching for a recommended recommended insurance product RI suitable for the prospective contractor CC and recommended. Course presenting means 13 for presenting a plurality of search courses SC indicating to the prospective terminal 3, one of the presented search courses SC by the prospective terminal 3 When selected, the prospective terminal 3 further requests the prospective terminal 3 to input a search condition SL in accordance with the search course SC, and the search condition receiving means 14 for accepting the search condition SC, and the recommended insurance product RI that matches the search condition SC and provides the insurance product RI Search means 15 for searching from a plurality of insurance products stored in database IDB, and recommended information providing means for providing recommended insurance product RI extracted by the search to prospective terminal 3 via Internet IN as recommended information RR. 16 is provided. Here, the course presentation means corresponds to the search course presentation means in the present invention.
[0044]
Further, the management server 2 includes contract information receiving means 17 for receiving contract basic information CB necessary for concluding an insurance contract, including personal information such as the family structure of the contract prospect CC using the prospect terminal 3. A security amount calculating means 18 for calculating a required security amount which can be referred to when the prospective contractor CC concludes an insurance contract based on the received basic contract information CB; In order to facilitate entry of the guarantee amount providing means 19 provided to the prospective terminal 3 as the NI and the subscription information JI relating to the contract subscription contents of the insurance product AJ to which the prospective contractor CC has already subscribed. Simulated securities display means 22 for imitating an actual insurance policy and displaying a simulated securities 21 in which the posting position 20 of each item of the subscription information JI is indicated; Diagnosis for diagnosing the suitability of the insurance product AJ of the prospective contractor CC based on the subscription information JI and the estimated security amount information NI, based on the subscription information JI and the estimated security amount information NI received through the IN. Means 24, a diagnostic result providing means 25 which outputs the result of the diagnosis as diagnostic information AI to the prospective terminal 3 in a browsable manner, and provides the diagnostic information providing means 25; The comparison means 26 compares the content of the RI with the existing insurance product AJ and provides comparison information CI.
[0045]
In addition, the management server 2 has a management-side communication control unit 29 connected to a management-side transmission control unit 27 and a management-side reception control unit 28 for transmitting and receiving various information and data through the Internet IN. In addition to the insurance product database IDB relating to insurance products, the management-side storage unit 12 described above stores content data CD for configuring the insurance information web 4 and recommendation information RR provided to the prospective terminal 3. And various information such as diagnostic information AI and data are stored.
[0046]
Next, details of the prospective terminal 3 in the insurance information providing system 1 of the present embodiment will be described with reference to FIG. The prospective terminal 3 has, as its functional configuration, a browsing unit 41 that can access the insurance information web 4 published on the Internet IN and browse contents related to insurance, and a search course for searching for a recommended insurance product RI. Search input means 42 for selecting and inputting SC and search conditions SL, and various information such as subscription information JI of the prospective contractor CC for existing insurance products AJ and basic contract information CB necessary for concluding an insurance contract. Information input means 43 for inputting the above information, and information for receiving the diagnosis information AI, the guarantee amount information NI, and the recommended information RR regarding the recommended insurance product RI which are output from the management server 2 and provided. The apparatus includes a reception unit 44, a display control unit 45, and a display unit 46 that display the received information AI, NI, RR, and the like by signal control.
[0047]
Further, the prospective terminal 3 includes a prospective side storage means 47 for storing the received information AI, NI, RR, etc., a prospective side transmission control means 48 for transmitting and receiving various information and data to and from the management server 2 through the Internet IN, and There is a prospect communication means 50 connected to the prospect reception control means 49 and a prospect operation means 51 for operating the prospect terminal 3.
[0048]
Here, the management server 2 can use a commercially available general-purpose server having a communication function. On the other hand, the prospective terminal 3 only needs to be able to browse and transmit / receive various information. Any commercially available personal computer, mobile phone, portable information terminal, or other device having a function connectable to the Internet IN can be used. Here, modems are used as the communication means 29 and 50 for transmitting and receiving various data, a monitor display is used as the display means 46, a pointing device such as a keyboard and a mouse is used as the prospective operation means 51, and a hard disk and a RAM are used as the storage means 12 and 47. Known hardware such as a storage medium can be used.
[0049]
Next, regarding the processing flow of the management server 2 in the insurance information providing system 1 of the present embodiment, the flowcharts of FIGS. 4 to 6, the display screens of FIGS. 7 and 8, and the hierarchical structure of each content are schematically shown. Explanation will be made based on the explanatory diagram described above. In order to simplify the description, in the present embodiment, an example will be described in which the trial calculation of the required security amount, the diagnosis of the existing insurance product AJ, and the search for the recommended insurance product RI are performed in a series of flows. Here, steps S1 to S25 shown in FIGS. 4 to 6 correspond to the insurance information providing program of the present invention.
[0050]
First, the management server 2 opens the insurance information web 4 on the Internet IN based on the insurance-related content data CD stored in the management-side storage means 12 and publishes the insurance information web 4 in a state where it can be accessed from the prospective terminal 3. (Step S1). Then, when there is access from the prospective terminal 3 through the Internet IN (YES in step S2), the data of the top menu 60 of the insurance information web 4 is output and displayed so as to be viewable by the display means 46 of the prospective terminal 3 (step). S3). On the other hand, when there is no access from the prospective terminal 3 (NO in step S2), the process returns to step S1 and the publication of the insurance information web 4 is continued.
[0051]
The top menu 60 is a page for guiding the prospective terminal 3 to various contents including detailed explanations on insurance formed in a lower layer, and is roughly classified into two. In the present embodiment, as shown in FIG. 7, an insurance commentary content 61 that provides information such as basic knowledge and a glossary of insurance products and product descriptions of individual insurance products, And simulation contents 62 that can be simulated. In FIG. 7, a range surrounded by a broken line is a simplified example of a configuration of a display screen displayed on the display unit 46 of the prospective terminal 3 (the same applies hereinafter).
[0052]
To explain each content in detail, below the insurance commentary content 61, "a) Is insurance really necessary?" 64a, "b) Insurance review method" 64b, "c) Data such as educational expenses" 64c (including medical expenses, funeral expenses, etc.), "A) Commentary on insurance" 63a consisting of information providing contents 64 such as "d) Basic Glossary of Insurance 64d", "Product List" 65a for insurance products and This is configured by the content of “B) Insurance Product Search” 63b in which information on the insurance product including the product description content 65 of “Detailed Explanation” 65b is provided, and is displayed on the commentary search display screen 63.
[0053]
On the other hand, the lower layer of the simulation content 62 is composed of contents of “diagnosis of existing insurance products” 66a, “search for recommended insurance products” 66b, “estimation of required security amount” 66c, and “estimation of pension amount” 66d. Are displayed on the simulation content display screen 66.
[0054]
Thereafter, a desired content to be viewed and simulated from the prospective terminal 3 is selected by the prospective contractor CC. Here, in the present embodiment, it is assumed that “search for recommended insurance products” 66b has been selected via the simulation content 62, and the flow of processing in the management server 2 thereafter will be described.
[0055]
When the content of the above-mentioned "search for recommended insurance products" 66b is selected by the prospective terminal 3, the management server 2 receives an input to that effect (step S4), and the prospective contractor CC searches for the recommended insurance products RI. A search course presentation screen 67 (see FIG. 8) for presenting a plurality of search courses SC for performing the search is displayed (step S5). Here, when the search course SC to be displayed is specifically shown, “Search by insurance company” 67a, “Search by security” 67b, “Search by insurance type” 67c, “Search by insurance amount” 67d, “Family composition” “Search from” and “Search from affordable insurance” 67f are exemplified in the present embodiment. These search courses SC are stored in advance in the content data CD of the management server 2. “Search by family structure” 67 e corresponds to the family structure designation course in the present invention.
[0056]
Then, when one (in this embodiment, “search by family structure” 67 e) is selected from the plurality of presented search courses SC, the management server 2 accepts the input of the selection (step S 6) and performs management. The server 2 prompts for and accepts the family structure of the prospective contractor CC (step S7). Here, the input of the family structure is classified by type in order to use it in advance when the management server 2 performs the trial calculation of the security amount information NI, and the prospective contractor CC selects his / her contract from the classified types. Select one that corresponds to your family structure. In the present embodiment, the classified types are “A. married / no child” 68a, “B. married / children (age of younger than 20 years)” 68b, and “C. 68c, "D. No single man and no children" 68d, "E. Single woman and no children" 68e, "F. Single men and women, no children" 68f, "G. 70 years or older" The family structure input screen 68 that is divided into 68 g and prompts the selection of the type is output to the prospective terminal 3.
[0057]
After that, the corresponding family structure type is selected from one of the displayed A) to G) (here, “B” Married / with children (the youngest child is less than 20 years old)) 68b). (YES in step S8), the management server 2 receives the input (step S9). On the other hand, when there is no selection input (NO in step S8), such processing is repeated, and the process waits until a selection of a family structure type is input.
[0058]
Then, the management server 2 determines, in accordance with the type of the selected family structure, more detailed search conditions SL for searching for the recommended insurance product RI and contract basic information for trial calculation of the required security amount at the time of the insurance contract. The input of the CB is accepted from the prospective terminal 3 (step S10). Here, the contract basic information CB includes family data including the spouse's age, the number of children and the respective ages, etc., corresponding to the designated family structure, and further includes the annual income and the It is used to input the total amount of assets (savings) and the amount of educational expenses required for children in the future. Then, based on the selected type of the family structure and the basic contract information CB, the necessary security amount is estimated (step S11) and provided to the prospective terminal 3 as the security amount information NI (step S12).
[0059]
In addition, in steps S11 and S12 of the present embodiment, in order to simplify the description, a necessary security amount is calculated based on the contract basic information CB and the like, and this is provided as the security amount information NI. However, a further extension of the security amount information NI may be provided. For example, it is possible to estimate the insurance premium for term insurance or whole life insurance based on the estimated required security amount, or to estimate the insurance premium when term insurance and life insurance are combined. More specifically, when a term insurance is contracted based on the required amount of security calculated in step S11 or an arbitrary amount of security, the insurance premium to be paid according to the contracted insurance product, the amount of insurance, and the insurance period. Can be estimated.
[0060]
In addition, when a plurality of term insurances are contracted, it is possible to estimate the respective premiums and the total thereof. Similarly, a trial calculation for the whole life insurance can be provided on the insurance information web 4. Here, the insurance products can be divided into many types as described above. In particular, when a so-called "drop-off type" and a "saving type" are combined, and an insurance contract is made according to their own life plan, etc. There are many. In this case, the insurance premium for each insurance product is estimated based on the above-mentioned required security amount and the like, and the insurance premium when the ratio between the throw-away type and the savings type (for example, 1: 9 to 9: 1) is changed. Can be calculated at the same time. This allows the insurance information web 4 to determine and provide the optimum ratio according to the wishes, such as when the prospective contractor CC prefers the throwaway type or the savings type. Note that such information can be included in the guarantee amount information NI and used for comparison with the existing insurance product AJ.
[0061]
Thereafter, when there is an existing insurance product AJ to which the contract prospect CC using the prospect terminal 3 has already subscribed, the management server 2 accepts an input indicating that (step S13). If there is an already-insured insurance product AJ (YES in step S13), F = 1 is given (step S14), and the actual insurance policy is accepted in order to accept the input of enrollment information JI indicating the contract contents of the already-insured insurance product AJ. It imitates and outputs the simulated securities 21 in which the posting position of each item of the subscription information JI is indicated by a number to the prospective terminal 3 (step S15). On the other hand, when there is no existing insurance product AJ (NO in step S13), the subsequent processing is canceled, and the process proceeds to step S19.
[0062]
Then, the prospective contractor CC inputs the subscription information JI while comparing the posting position of the subscription information JI of the simulated securities 21 with the contents of the actual insurance policy. The management server 2 receives this input (step S16). Then, based on the accepted joining information JI and the estimated amount of security information NI relating to the estimated required amount of security, the appropriateness of the already-insured insurance product AJ is diagnosed (step S17), and the result is sent to the prospective terminal 3 as diagnostic information AI. It is provided to the user (step S18). At this time, in the diagnostic information AI, the difference between the calculated required security amount and the contract content of the insurance product AJ already joined is diagnosed, and a security amount more than necessary is set, indicating that the monthly premium paid is too large. Includes output and warnings such as the inability to receive sufficient insurance premiums should the security amount be small.
[0063]
As a result, the prospective contractor CC can receive an objective judgment as to whether or not the insurance product AJ that has already been enrolled is suitable for his / her own life plan, thereby adding a new insurance product or providing insurance. You will be given the opportunity to reconsider the policy as a whole, such as policy changes such as expanding the scope, or canceling or changing the contents of the policy.
[0064]
After that, based on the calculated security amount information NI indicating the required security amount, the selected family structure designation course, and the entered search condition SL, the insurance product database IDB is used to recommend the recommended insurance suitable for the prospective contractor CC from the insurance product database IDB. The product RI is searched (step S19). Then, the result is provided to the prospective terminal 3 as recommended information RR (step S20). Here, the number of recommended insurance products RI to be searched and published is not limited to one, and some, for example, three, from those having a high degree of recommendation, may be extracted and provided. Note that the provided recommended information RR of the recommended insurance product RI includes, for example, the name of the searched insurance product, the name of the insurance company, the recommended insurance plan to be paid, the amount of insurance to be paid, and the FP's comment on the insurance policy. I have.
[0065]
Further, a determination of F = 1 is made (YES in step S21), and it is recognized that the insurance contract product CC existing by the prospective contractor CC exists, and the management server 2 searches the recommended insurance product RI recommended by the search, The contents are compared with the existing insurance product AJ (step S22), and the result is provided to the prospective terminal 3 as comparison information CI (step S23). That is, the existing insurance product AJ under contract with the prospective contractor CC is compared with the recommended insurance product RI recommended by the present system, and the superiority of the recommended insurance product RI is indicated. As a result, the prospective contractor CC can take actions such as canceling the existing insurance product AJ under contract or concluding a contract for a new recommended insurance product RI.
[0066]
On the other hand, if F ≠ 1 (NO in step S21), it is determined that there is no existing insurance product AJ, and the processes in steps S22 and S23 are cancelled. Thereafter, the management server 2 accepts an input to instruct to end the system (step S24), and if there is an instruction (YES in step S24), ends the system (step S25). On the other hand, if there is no input to instruct the end (NO in step S24), the process returns to step S1, and the disclosure of insurance information web 4 is continued.
[0067]
As described above, according to the insurance information providing system 1 of the present embodiment, a plurality of search courses SC such as a family structure are presented, and the prospective contractor CC selects such search courses SC, whereby his / her own search course SC is selected. A recommended insurance product RI suitable for a life plan or the like can be easily searched. In other words, even when knowledge about insurance is poor, the search is performed based on easily input items such as family structure, etc., so that the prospective contractor CC gets lost or hesitated when searching for the recommended insurance product RI. Nothing. Furthermore, since the insurance information web 4 can be used to estimate the required amount of security, etc., and the insurance commentary content 61 can provide basic knowledge and information on insurance, the prospective contractor CC has detailed information on insurance. Gain knowledge.
[0068]
In addition, insurance products that have been contracted as recommended by insurance agents hired by the insurance company can now be proactively and actively promoted by themselves. For this reason, the number of prospective contractors CC who previously felt that they are “buy insurance” is reduced, and interest and interest in insurance are increased.
[0069]
In addition, according to the insurance information providing system 1 of the present embodiment, a diagnosis is made for the already-insured insurance product AJ that has already subscribed, so that it is possible to give an opportunity to reconsider the insurance contract contents. In addition, as it is selected from various types of insurance products sold by multiple insurance companies, it is possible to be forced to contract insurance products of a specific insurance company in the middle like a conventional insurance agent. There is no. Furthermore, since the required amount of security is not estimated by the insurance company, insurance contracts can be made based on objective figures. Therefore, fairness can be maintained when making an insurance contract.
[0070]
Further, the contract basic information CB and the like when an actual insurance contract is made contain a lot of personal information such as the family structure and annual income of the prospective contractor CC. Therefore, there are some people who are hesitant to easily disclose information related to loss of insurance contract to FP or the like due to concerns such as damage caused by leakage of personal information in recent years. However, according to the insurance information providing system 1 of the present invention, since a trial calculation and a search relating to insurance can be performed through the Internet IN, confidentiality is provided, and even the above-mentioned hesitant person can perform a trial calculation and the like with confidence. As a result, useful reference information for an insurance contract can be obtained without disclosing personal information to a third party while maintaining anonymity. It should be noted that the leakage of personal information and the like input on the Internet IN and the insurance information web 4 can be performed by using existing security technology even if information for identifying individuals such as names is not included. Needless to say, it is necessary to handle with care.
[0071]
Furthermore, when inputting the subscription information JI of the existing insurance product AJ, it is possible to input the imitation securities 21 imitating the real insurance policy, so that the prospective contractor CC is displayed on the screen as the insurance policy. It is possible to input while comparing with the simulated securities 21. This reduces the possibility of erroneous entry of the subscription information JI. In addition, when contracting for a plurality of existing insurance products AJ, for the required items such as name and age, enter the information on one mock securities 21 In this case, the operability can be improved so that the input is performed collectively.
[0072]
As described above, the present invention has been described with reference to the preferred embodiments. However, the present invention is not limited to these embodiments, and various improvements can be made without departing from the gist of the present invention as described below. And design changes are possible.
[0073]
That is, in the insurance information providing system 1 of the present embodiment, the search for the recommended insurance product RI, the estimation of the required security amount, and the diagnosis of the existing insurance product AJ are performed according to a series of flows shown in FIGS. However, it is of course possible to perform these searches and trial calculations independently of each other. Further, when performing these searches and trial calculations, it may be possible to improve the operation inputability of search conditions and the like. For example, in the process from step S13 to step S18 in the flowchart shown in FIG. 5, a function (navigation function) for guiding the input operation is provided so that the prospective contractor CC can easily input the subscription information JI. May be. Here, as an example of the guide function of “acceptance of participation information” in step S16, “Please prepare your insurance policy” is displayed first, and then “Please enter information on insurance policy” Is displayed on the screen to prompt the entry of the subscription information JI. Then, the appropriateness is diagnosed in accordance with the input subscription information JI (corresponding to step S17), and the diagnostic information AI is output. After that, the user is prompted to input the family structure, etc., and calculates the required security amount, that is, the trial calculation of the required security amount and the diagnosis of the existing insurance product AJ are performed in the reverse flow to the present embodiment. There may be.
[0074]
Further, when the recommended insurance product RI is provided as the recommended information RR, a contract prospective CC who will review the insurance contract or make a new insurance contract as a subsequent step is provided via the insurance information web 4 via the insurance information web 4. Services such as requesting detailed materials, requesting a contract application form, and receiving an interview request with the FP may be performed by the insurance agent IA or the like in which the management server 2 is installed.
[0075]
Furthermore, the hierarchical structure of the insurance information web 4 shown in FIGS. 7 and 8 is not limited to this. For example, although the top menu 60 includes the insurance commentary content 61 and the simulation content 62, the content of the insurance product search 63b shown in the present embodiment is added to the top menu 60, and the insurance product can be searched from the top menu 60. It may be something like that. Further, the top menu 60 may be provided with a questionnaire content for conducting a questionnaire regarding the insurance and / or the provided insurance information web 4 to the prospective contractor CC.
[0076]
Here, the question items of the questionnaire include, for example, gender, age, occupation, background of knowing this system, reason for accessing the insurance information web 4, opinion of the access result, opinion on search result, and the like. What the contract prospect CC inputs on the web 4 is exemplified. The stage of conducting the questionnaire is not particularly limited, and it is desirable that the questionnaire can be answered at any time while accessing the insurance information web 4. As a result, the insurance agency IA can simultaneously conduct an awareness survey on insurance, and can obtain useful information for operating the insurance information web 4 in the future and for selling insurance products.
[0077]
【The invention's effect】
As described above, the insurance information providing system according to the first aspect of the invention can easily search for a recommended insurance product suitable for one's life plan from a plurality of insurance products sold by many insurance companies. it can. Furthermore, since the insurance products are not limited to insurance products of a specific insurance company, insurance products are searched with fairness and objectivity. Further, since a plurality of search courses serving as a search method are presented, an appropriate course can be selected according to knowledge about insurance, and a recommended insurance product can be selected by himself. Thereby, it can be used as reference information when concluding an insurance contract.
[0078]
The insurance information providing system according to the second aspect of the invention can easily calculate the necessary security amount based on the basic contract information on the prospective contractor in addition to the effect of the insurance information providing system according to the first aspect of the present invention. Can be used as useful information when concluding an insurance contract. Further, the required security amount is calculated independently of the insurance company, so that a fair and appropriate required security amount is calculated.
[0079]
In the insurance information providing system according to the third aspect of the invention, in addition to the effects of the insurance information providing system according to the second aspect of the present invention, the suitability of the insurance product that has been subscribed is diagnosed in accordance with the estimated required security amount and the like. This provides the prospective contractor with an opportunity for further reconsideration, such as a review.
[0080]
According to the insurance information providing system of the fourth aspect, in addition to the effect of the insurance information providing system of the third aspect, it is possible to input the subscription information of the existing insurance products in the input field of the simulated security imitating the actual insurance policy. Therefore, erroneous input and the like hardly occur.
[0081]
The insurance information providing system according to the fifth aspect of the present invention has the effect of the insurance information providing system according to the third or fourth aspect of the present invention. Based on the results of the review, it can be used to review insurance contracts.
[0082]
The insurance information providing system according to the sixth aspect of the present invention has the effect of the insurance information providing system according to any one of the first to fifth aspects, and further includes a family structure designation course for searching by a family structure in one of the search courses. Is set. Thus, even a prospective contractor with little knowledge of insurance can search for recommended insurance products based on the element of easy and easy family composition.
[0083]
The insurance information providing program according to any one of claims 7 to 11 can cause the management server to achieve the effects of claims 1 to 5 by executing the program.
[Brief description of the drawings]
FIG. 1 is an explanatory diagram showing a configuration of an insurance information providing system 1 according to an embodiment of the present invention.
FIG. 2 is a block diagram showing a functional configuration of a management server 2 in the insurance information providing system 1.
FIG. 3 is a block diagram showing a functional configuration of a prospective terminal 3 in the insurance information providing system 1.
FIG. 4 is a flowchart showing a flow of processing in the management server.
FIG. 5 is a flowchart showing a flow of processing in the management server.
FIG. 6 is a flowchart showing a flow of processing in the management server.
FIG. 7 is an explanatory diagram schematically showing a display screen and a hierarchical structure of each content on an insurance information web.
FIG. 8 is an explanatory diagram schematically showing a display screen and a hierarchical structure of each content on an insurance information web.
[Explanation of symbols]
1 Insurance information provision system
2 Management server
3 Prospect terminal
4 Insurance information web
11 Public means
12. Management-side storage means (storage means)
13 Course presentation means (search course presentation means)
14 Search condition receiving means
15 Search means
16 Recommended information provision means
17 Contract information receiving means
18 Guarantee calculation means
19 Guarantee provision means
20 Position
21 mock securities
22 Simulated securities display means
23 Subscription information receiving means
24 diagnostic means
25 diagnostic information provision means
26 Comparison means
AI diagnostic information
AJ Existing insurance products
CB contract basic information
CC contract prospect
CI comparison information
IDB insurance product database
IN Internet (communication network)
JI subscription information
NI security amount information
RI Recommended Insurance Products
RR Recommended Information
SC Search Course
SL search condition

Claims (11)

An insurance information providing system that is provided by a management server connected to a communication network and provides insurance information on an insurance information web including a plurality of contents related to insurance,
The management server,
A publishing unit that publishes the insurance information web on the communication network and enables access from a prospective terminal used by a prospective contractor,
Storage means for classifying insurance products sold by a plurality of insurance companies based on various insurance data including insurance types, insurance rates, and ratings of the insurance companies, registering and storing the insurance products in an insurance product database,
A plurality of search courses for searching for recommended insurance products suitable for the prospective contractor, a search course presenting means for presenting via the communication network,
When one of the presented search courses is selected by the prospective contractor, search condition receiving means for receiving a search condition for searching for the recommended insurance product according to the search course,
A search unit configured to search the insurance product database for the recommended insurance product suitable for the contract prospect based on the search course and the search conditions, and to extract the product;
An insurance information providing system comprising: a recommended information providing unit that provides the searched recommended insurance product to the prospective terminal via the communication network as recommended information. The management server,
Contract information receiving means for receiving contract basic information including the age and annual income of the prospective contractor via the communication network,
Based on the received contract basic information, a security amount calculation means for calculating the required security amount of the prospective contractor,
2. The insurance information providing system according to claim 1, further comprising: a security amount providing unit that provides the estimated required security amount as security amount information to the prospective terminal via the communication network. The management server,
The contract prospect has already concluded an insurance contract, and subscription information indicating the contract contents of the insurance products that have been subscribed, subscription information receiving means for receiving via the communication network,
Diagnosing means for diagnosing the suitability of the already-insured insurance product with respect to the prospective contractor, based on the accepted joining information and the estimated security amount information,
3. The insurance information providing system according to claim 2, further comprising: a diagnostic information providing unit that provides a diagnosis result to the prospective terminal via the communication network as diagnostic information. The management server,
Claims further comprising: a simulated securities display means for imitating the insurance policy of the already-insured insurance product and publishing and displaying a simulated security indicating the position of the enrollment information on the insurance information web. Item 3. The insurance information providing system according to Item 3. The management server,
The contents of the insurance products that have already been joined are compared based on the recommended information of the searched recommended insurance products and the required security amount of the prospective contractor, and the comparison result is used as the comparison information as the prospective person via the communication network. The insurance information providing system according to claim 3, further comprising a comparison unit that provides the terminal with the insurance information. The search course,
6. The insurance information providing system according to claim 1, further comprising a family structure designation course for searching for the recommended insurance product according to the family structure of the prospective contractor. A means of publishing the insurance information web composed of multiple contents related to insurance on a communication network, enabling access from prospective terminals used by prospective contractors, and insurance products sold by multiple insurance companies A storage means for classifying based on various insurance data including the insurance type, insurance rate, and rating of the insurance company, registering and storing the insurance product database, and storing recommended insurance products suitable for the prospective contractor and recommended. Search course presenting means for presenting a plurality of search courses for searching via the communication network, and when one of the presented search courses is selected by the prospective contractor, the recommended insurance according to the search course A search condition receiving means for receiving a search condition for searching for a product, the contract based on the search course and the search condition; Search means for retrieving and extracting the recommended insurance product suitable for the prospect from the insurance product database, and providing the retrieved recommended insurance product to the prospect terminal via the communication network as recommended information. An insurance information providing program for causing a management server connected to the communication network to function as recommended information providing means. Contract information receiving means for receiving contract basic information including the age and annual income of the prospective contractor via the communication network, based on the received basic contract information, a guarantee amount for estimating a required security amount of the prospective contractor. 8. The management server according to claim 7, wherein the management server further functions as a trial calculation means, and as a guaranteed amount providing means for providing the estimated required security amount as security amount information to the prospective terminal via the communication network. The insurance information program described. The contract prospective person has already concluded an insurance contract, and the subscription information indicating the contract contents of the insurance products that have already been subscribed, through the communication network, the subscription information receiving means, the received subscription information, and the estimated security Diagnostic means for diagnosing the suitability of the existing insurance product for the prospective contractor based on the amount information, and diagnostic information providing means for providing the diagnostic result as diagnostic information to the prospective terminal via the communication network The insurance information providing program according to claim 8, wherein the management server further functions. In addition to imitating the insurance policy of the already-insured insurance product, the management server is further functioned as a simulated security display means for publishing and displaying a simulated security indicating the position of the enrollment information on the insurance information web. 10. The insurance information providing program according to claim 9, wherein: The contents of the insurance products that have already been joined are compared based on the recommended information of the searched recommended insurance products and the required security amount of the prospective contractor, and the comparison result is used as the comparison information as the prospective person via the communication network. The insurance information provision program according to claim 9 or 10, wherein the management server is further made to function as comparison means provided to a terminal.

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