JPH08305760A - Insurance design computer system, insurance designing method and insurance design package - Google Patents

Abstract

PURPOSE: To provide an insurance design computer system and method and an insurance design package capable of easily selecting an insurance item necessary for a contractor while considering a premium. CONSTITUTION: This insurance design computer system is provided with an insurance sort table 64 for storing plural insurance items corresponding to life stages such as contractor's ages and family make-up, an insurance item- sorted premium table 65 for storing age-sorted premiums corresponding to plural contents of insurance money for plural insurance items and a keyboard 62 for inputting client's age and the contents of insurance to be contracted. A CPU 63 selects plural insurance items from the table 64 in accordance with input data from the keyboard 62, calculate a premium in each month based upon the table 65 by using the selected items, insurance money corresponding to each item, a term insured, etc., as factors and prints out a premium design package integrating the premiums and the contents of the insurance.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention is suitable for an insurance design computer system and an insurance design method and a system and method for efficiently designing a plurality of insurances such as life insurance and non-life insurance according to the needs of customers. Related insurance plans.

[0002]

[Prior Art] Generally, insurance such as life insurance and non-life insurance is
For example, the insurance policy such as death and maturity insurance, which is the standard, is the main insurance, and the insurance content in which a special contract such as an injury and illness hospitalization special contract is added to this main insurance is executed by concluding a contract between the insurance company and the policyholder It is being appreciated. However, the types of insurance and covenants in recent years have increased along with the diversification of needs required by the insured's life stage, and for policyholders, many insurances and covenants have been considered by insurance companies in consideration of their importance and needs. Since it is not presented, it is becoming difficult to take out the necessary insurance in consideration of the insurance premium.

The life stage is, for example, a single age, a couple's age before marriage and the birth of a child, a child-raising age in which a child is born and raised, a child independently returns to the couple and plans for retirement. It is possible to consider the age of planning for retirement, etc. The types of insurance and special contracts required according to these life stages are a small amount of whole life insurance such as funeral expenses, term insurance for the bereaved family, personal annuity insurance for old age, and a part of insurance money in advance for half a year of life. Living needs special contract, hospitalization special contract in case of illness or disaster, income security that guarantees a certain income, disaster special contract to supplement damage in case of disaster, special contract in case of injury, cancer / Three major sickness insurance for treatment costs when suffering from the three major diseases of cerebral hemorrhage / myocardial infarction, as well as cancer and adult disease covenants and outpatient covenants, female illness covenants and elderly care costs for hospitalization There are various types of insurance such as long-term care insurance, high-end life insurance for leaving tax payments for survivors, and baby insurance for accumulating education costs when a child is born. Therefore, it is very difficult for the insurance subscriber to fully understand these numerous insurance contents and insurance moneys or premiums and to take out necessary and appropriate insurance (special contract).

As for the insurance premiums for the above-mentioned various insurances and special contracts, the monthly payment amount according to the insurance age / insurance at death / insurance at the time of hospitalization / insurance period / payment period depends on the life insurance company. It is generally set according to the insurance rate according to the regulations. Incidentally, as a document in which a conventional technique for calculating the insurance premium is described, there is, for example, Japanese Patent Laid-Open No. 04-54666.

[0005]

As described above, there are various types of insurance contracts in which special provisions are added to the main insurance contracts according to the prior art, because there are various needs depending on the life stage of the policyholder. , It was difficult for policyholders to select the one they need from various insurance items in consideration of their insurance premiums. In addition, it is difficult for an insurance company to present all of a plurality of insurance items to a contractor so that the contractor can select the insurance item, and it is difficult to provide a customer with an appropriate insurance (special contract) according to needs.

An object of the present invention is to eliminate the above-mentioned problems caused by the prior art, and to provide an insurance design computer system and an insurance design document in which an insurance item required by a contractor can be easily selected in consideration of insurance premiums. It is to be. Another object of the present invention is to provide an insurance design method that can easily calculate insurance premiums according to the insurance items required for the needs of the contractor.

[0007]

To achieve the above object, the present invention provides an insurance design computer system for selecting a plurality of insurance items and designing the contents and insurance premiums of the insurance items. An insurance type table that stores a plurality of insurance items according to stages, and an insurance item-specific insurance table that stores insurance premiums based on insurance age, insurance period, insurance amount, and payment period corresponding to each insurance item, Selecting a plurality of insurance items according to the advantage of needs based on life stage from the insurance type table, stacking the selected insurance items according to the advantage of needs, and insurance age for each of the stacked insurance items, The first feature is that an insurance premium based on an insurance period, an insurance amount, and a payment period is output from the insurance premium table for each insurance item.

Further, the present invention is an insurance design method for selecting a plurality of insurance items and designing the contents and insurance premiums of the insurance items, in which a plurality of insurance items corresponding to a plurality of life stages of the policyholder are stored. A type table and an insurance item-specific insurance premium table that stores insurance premiums based on insurance age, insurance period, insurance amount, and payment period corresponding to each insurance item are prepared. A plurality of insurance items according to superiority are selected, the selected insurance items are layered according to the priority order, and insurance premiums based on insurance age, insurance period, insurance amount, and payment period for each layered insurance item Is output from the insurance premium table for each insurance item, and the insurance type column in which the selected plurality of insurance items are listed in a stacked manner, and the insurance money and the benefit amount for each insurance item in the insurance type column, The second feature is to print an insurance design document including a guarantee content column in which the insurance period is described, a reserve of insurance items in the insurance type column, and an insurance premium column in which an insurance premium corresponding to the guarantee content column is described. .

The present invention further includes an insurance type column in which the insurance plan is a stack of a plurality of insurance items whose necessity changes according to the life stage in consideration of the age and family structure of the insurance subscriber, Enter the sum of insurance coverage and benefits for each insurance item in the insurance type column, the insurance content column that describes the insurance period, and payment period, and the stepwise insurance premium according to the stacking of the insurance items in the insurance type column. The third feature is that it is composed of the insurance premium section.

Further, according to the present invention, the insurance design document is divided into insurance content columns in which insurance claims, benefits, insurance periods, and payment periods corresponding to a plurality of insurance items are listed, and corresponding insurance items. A fourth feature is that a pie chart is arranged and the insurance items that have already been subscribed to are described and configured in the pie chart portion to grasp the needs of the subscribers and to present the insurance plan.

[0011]

The insurance design computer system having the above characteristics selects a plurality of insurance items according to the advantage of needs based on life stages from the insurance type table, stacks the selected insurance items according to the priority order, and stacks the stacked insurance items. The insurance premiums based on the insurance age, insurance period / claim, etc. for each insurance item are output from the insurance premium table for each insurance item to create a plan in which the insurance premiums and insurance items are layered, and the insurance subscriber It can facilitate the selection of insurance items required by.

In the insurance design method, an insurance type table and an insurance item-specific insurance premium table are prepared, a plurality of insurance items are selected from the insurance type table, and the selected insurance item and each insurance item are selected. The insurance premiums are calculated from the insurance premium table for each insurance item using factors such as the insurance money and the insurance period, and a plurality of selected insurance items are listed in a stack, and the insurance items are accumulated and the amount of insurance is paid monthly. By printing out the insurance design document including the insurance premium column in which the insurance premium is described, it is possible to print the insurance design document in which the insurance item required by the contractor can be easily selected in consideration of the insurance premium.

Further, the insurance design document according to the third feature is
An insurance type column in which a plurality of insurance items are listed side by side, a guarantee content column in which the insurance content etc. is described for each insurance item in the insurance type column, and monthly insurance according to the insurance item and the insurance content. By describing the insurance fee, the insurance item required by the contractor can be easily selected in consideration of the insurance fee. Further, in the insurance design document according to the fourth feature, the insurance item required by the subscriber can be easily known by showing the insurance subscription status in a pie chart.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS An insurance design computer system, an insurance design method, and an insurance design document according to an embodiment of the present invention will be described in detail below with reference to the drawings. In this specification, for example, what the policyholder pays to the insurance company every month is called an insurance premium, and the insurance money that the policyholder receives when he or she is killed and the benefits that he receives when he is hospitalized are called an insurance money and the like. I shall.

First, the principle of the present invention will be described with reference to the needs understanding sheet of FIG. 1. First, generally speaking, a subscriber (contractor) who takes out insurance has a life at each stage of life design. The life stage can be divided into four stages. This life stage is, as shown in Fig. 1, "single age" from employment to marriage, "married couple's age" until a child is born after marriage, and a child is born. The “child-raising era”, in which children are raised by themselves, the “old-age planning era” in which the child independently returns to the couple and starts planning for retirement, and so on. The inventors have paid attention to the fact that insurance policyholders can almost group necessary insurance according to the life stage, and have devised a needs understanding sheet of FIG. 1 that facilitates selection of individual insurance for each life stage.

As shown in FIG. 1, this needs understanding sheet has the above-mentioned four life stages (single age, couple's age, child care age, retirement planning age) as the horizontal axis, and is generally for each life stage. The necessary insurance items are arranged in the vertical and horizontal directions. For example, "single age"
Then, a small amount of whole life insurance for funeral expenses 1, Living needs special contract 3, which receives insurance before life, provided that the remaining life is 6 months
Special contract for hospitalization and sickness / disaster for the cost of surgery
Special treatment for surgery 4, Income security for guaranteeing income in case of injury 5, Injury special treatment for treatment cost in case of disaster such as traffic accident 7,
Basically, an individual pension insurance 10 for living expenses after retirement and an endowment insurance 15 for marriage funds are required.
In addition to the accident surcharge 6 to increase insurance money in case of accident or death, the endowment insurance 15 for marriage funds will replace the education funds 11 for children, and in the "child care era", in addition to the above insurance, nursing care insurance 12 will be added. In addition, the "old age plan era" indicates that death insurance 13 will be added to prepare for tax payment at the time of inheritance.
Although the above is for life insurance, it is also possible to enter the correspondence for all risks of life and non-life insurance. In the present invention, it is possible to easily know what kind of insurance the contractor generally needs by determining which life stage the contractor is in using the needs understanding sheet.

[Child care era] of this needs understanding sheet
The plan / insurance premium selection sheet shown in FIG. 2 represents an example of the insurance amount and insurance premium. This sheet arranges the necessary insurance items (needs) in the stage "child care era" vertically on the left end side, and vertically arranges the "guarantee content" such as standard insurance money for each insurance item in the center. The step-by-step insurance premiums when piling up are listed on the far right. It should be noted that this sheet is a sample sheet assuming that the standard age in the child-raising period is 35 years old, and it is desirable to separately prepare it according to each life cycle. In addition, the insurance age described in this specification includes a method of calculating an age in which the second half of the year before the birthday is regarded as the full age of the birthday, an actual full age, and the like.

In this plan / insurance premium selection sheet, for example, insurance items required by the customer are sequentially stacked and selected,
There is a usage method that can know the insurance fee, and a usage method that can be used to know the insurance content (insurance content) corresponding to the insurance fee from the insurance fee on the right side. For example, when considering insurance premiums from the content of insurance, the standard insurance premiums on the right end are plan B when the contractor considers that the insurance premiums up to the special premium 7 for the treatment cost such as traffic accidents on the left end are acceptable. Corresponding to "20
It can be seen that the insurance premium is "71,167 yen" in Plan G when the contractor needs up to 13 death insurance to prepare tax payment funds for future inheritance. Also, when considering the insurance content from the insurance premium, it was found that Plan D, which has the insurance premium of about 40,000 at the far right, can secure the insurance content of up to 10 individual pensions for fund-raising for old age. It can be seen that, before and after the yen, the coverage can be secured up to the income security insurance 5 of Plan A or B or the special surcharge 7 of the disaster. Therefore, the policyholder can easily examine the outline of the insurance contract from the viewpoints of both the coverage and the insurance premium. This insurance design document presents to the contractor a sample set of the insurance design contents shown in FIG. 2, and then presents the insurance item / insurance amount / age / contractor's age according to the request of the contractor. Figure 3 with gender and other factors as factors
It is preferable to present the insurance design document of the concrete judgment material as shown in (1) to the contractor.

In the insurance design document shown in FIG. 3, a plurality of insurance items whose necessity changes according to the life stage of the insurance subscriber are listed in a stack with the time axis (horizontally long) in the insurance type column (center. Column), a guarantee content column (the rightmost column) in which concrete insurance money / benefits / insurance period / payment period, etc. corresponding to each insurance item in the insurance type column are described, and the insurance item in the insurance type column The insurance fee column (the leftmost column) that describes the stepwise insurance premiums according to the stacking state of the above, and when the contractor joins the plan A of income security 5 to plan G of life insurance 13 It is a concrete description of insurance premiums and coverage for each plan. In the figure, the term of term insurance 2, hospitalization rider 4 to injury rider 7 and adult disease rider 9 is 10 years until 45 years old. This is because the insurance content has the property of renewing every maturity, and the period can be arbitrarily selected.

FIG. 8 shows an example of a case where an actual contractor considers plan B using a plan / insurance premium selection sheet by limiting the monthly payment amount. Compared to the insurance items shown in Fig. 3, this insurance design document is for life insurance 12
This is an example in which only accident accident insurance 7 is selected.

By referring to these insurance design documents, the insurance subscriber visually compares the insurance type column in the center and the insurance fee column on the left end with the insurance content (item, period) and insurance premium visually guaranteed. You can find out the relationship between the above and the detailed insurance contents in the right column. For example, the insurance subscriber refers to the insurance design document in FIG. 3, and in plan B, life insurance for funeral expenses, regular insurance for survivors 2, living needs special provision 3, illness and hospitalization special provision 4, disaster surcharge special provision 6, injury and illness It can be understood that the special contracts up to 7 are covered by the monthly insurance charge of "20,659 yen". In Plan E, in addition to the previous insurance and special contracts, three major sickness insurance 8, cancer adult disease special contract 9, individual pension 10 It can be understood that up to 16 baby insurance, which takes child support into consideration, is covered by the insurance fee of "45,987 yen". On the contrary, the subscriber can also refer to the insurance type column in the center from the insurance premium on the left end, which can be paid monthly, to know the possible coverage.

The insurance design computer system and the insurance design method according to the present invention are for creating the above-mentioned insurance design document, and the insurance design computer system and the insurance design method for creating the insurance design document are shown in the drawings. It will be described below with reference. FIG. 6 is a diagram showing an embodiment of the insurance design computer system configuration according to the present invention.
FIG. 7 is a flow chart for explaining the insurance design method applied to the computer system. First, FIG.
The insurance design computer system shown in FIG. 1 has a keyboard 62 for inputting required data based on the needs understanding sheet 60 described above, a CRT 61 for displaying items of the data input and the like to the operator, and the needs understanding sheet 60. Insurance type table 6 that stores the contents of insurance such as insurance money corresponding to various insurance items according to the plurality of life stages described in 6.
4 and an insurance item-specific insurance premium table 65 storing a large number of insurance premiums under various conditions based on the insurance age, insurance money, insurance period, payment period, sex, etc. for the various insurances.
A memory 66 for storing various control programs and the like, a printer 67 for printing the insurance design document, and a CPU 63 for controlling these circuits and mechanisms.

The needs understanding sheet 60 includes a column 60a for inputting the date of birth and gender, a column 60b for life insurance for funeral expenses, and a column 6 for pension insurance for the bereaved family.
0c, and the life insurance special needs column 60d,
Column 60e for special contract for hospitalization due to disaster, column 60f for income security insurance, and column 60n for life insurance for inheritance
Others are provided in the same manner as in FIG. 1, and the solicitation staff and the like have previously investigated the insurance age, life stage, desired insurance content (selected plan, insurance amount, etc.) of these contractors. And

In the insurance design computer system thus constructed, as shown in FIG. 7, when the operator refers to the needs understanding sheet 60 and inputs the date of birth and sex from the keyboard 62 (step 81), CPU63
Calculates the policyholder's insurance age and standard insurance period and payment period by referring to the age and the current date (step 8).
2). These periods are, for example, a certain number of years depending on the insurance type,
The general retirement age of 60 years, life etc. is specified, but it can be changed if desired.

Next, the operator inputs an insurance item according to the life stage (step 83) and inputs the insurance amount or benefit amount for each input insurance item (step 84).
Then, the CPU 63 refers to the insurance content and the insurance premium table for each insurance item 65 of the insurance type table 64, and the insurance premium for each insurance item selected by the calculated payment period, insurance period, payment period, and insurance money as factors. Is output, and the insurance premiums are aggregated in a layered manner for each plan (step 86),
This is the printer 8 as an insurance design document of the format shown in FIG.
It is printed out by step 7 (step 87). With this insurance design computer system, it is possible to print an insurance design document in which insurance items and insurance premiums corresponding to the above-mentioned life stages are laminated, and the insurance items required by the contractor are printed in the laminated manner. It is possible to easily select an insurance item to join by referring to the insurance premium.

As described above, the insurance design computer system according to the present embodiment extracts the insurance items according to the life stage of the insurance subscriber by using the needs understanding sheet 60, and selects the selected insurance items according to the superiority of needs. As shown in Fig. 3, the insurance plan which is presented to the subscriber in a laminated manner and in which the insurance amount for each insurance item, the insurance period for each insurance item selected by the subscriber and the insurance premium for each insurance item is printed is laminated. By outputting, the subscriber can easily select (cut) necessary insurance items according to the life stage by referring to the insurance design document. Moreover, the insurance company can easily extract the needs of the subscribers and provide necessary insurance from the standpoint of the subscribers. In particular, in the insurance design method according to the present embodiment, whereas the conventional introduction of insurance (special contract) items is to present each insurance (special contract) item to the customer in a flat manner and prompt the customer to make a selection. (Special contract) By prioritizing items according to their life stage and stacking them, and drawing them in an insurance design document for easy understanding, it is easy for subscribers to cut out necessary insurance items. Therefore, it is possible for an insurance company to easily provide necessary insurance from the standpoint of the subscriber.

Next, an insurance design document according to another embodiment of the present invention will be described with reference to FIG. The insurance design document shown in FIG. 5 has a function of understanding (understanding) the needs of the subscriber and presenting the insurance plan to the subscriber at the same time.
In FIG. 5, in the left column, the vertical direction indicates automobile insurance 50a and death insurance 50.
b, hospitalization insurance 50c, income insurance 50d, retirement insurance 50e, nursing care insurance 50f, fire insurance 50g, household property insurance 50h, accident insurance 50i, hospitalization insurance 5 arranged vertically in the right column.
0j, outpatient insurance 50k and liability insurance 50l are lined up, except for insurances 50a and 50g, column a indicates that the contractor wishes to join, column b indicating that he / she does not join because he / she has already joined, and simply do not join. And a column c indicating Further, in the upper row, there is arranged a column 50 in which the total amount of insurance premiums when the insurance items are subscribed is described. In addition, although the insurance amount is not described in the columns 50a and 50g, the insurance amount may be specified if necessary.

In the center of both columns, the insurance 50
By providing a circle chart 55 in which circles are divided corresponding to a to 50l and filling the divided portions according to the insurance participation status, it is devised so that the insurance participation status can be understood visually.

The insurance design document thus constructed uses the computer system based on the insurance design computer system described in the above embodiment, and the operator refers to the needs understanding sheet 60 of FIG. ，
The sex is input, and the CPU refers to the age and the current date to calculate the age of the contractor and the payment period with the payment deadline of 60 years as standard, and the insurance content of the insurance type table and insurance premiums by insurance item. It can be obtained by referring to a table, calculating insurance premiums and benefits with the calculated payment period, insurance money, etc. as factors, and printing them out by a printer as an insurance design document of the format shown in FIG. .

Further, the insurance design document is not based on the data input based on the needs understanding sheet described above, but is based on, for example, the insurance items already subscribed based on the insurance data already subscribed, and the life stage of the contractor who is going to subscribe. The standard insurance content is stamped out as a sample, and it is shown that the current insurance content is not sufficient due to the filled state of the pie chart 55. By providing guidance, the necessary insurance plan can be presented to the subscriber.

[0031]

As described above, the insurance design computer system according to the present invention selects a plurality of insurance items from the insurance type table, and selects the selected insurance item and the insurance money and the contract age according to each insurance item. By obtaining the monthly insurance premium from the insurance item-based insurance premium table as a factor, it is possible to provide an insurance design document in which the insurance item required by the contractor can be easily selected in consideration of the insurance premium.

The insurance design method according to the present invention prepares an insurance type table and an insurance premium table for each insurance item, selects a plurality of insurance items from the insurance type table, and selects the selected insurance item and each insurance item. Calculate the monthly insurance premium from the insurance premium table for each insurance item based on the insurance money and the contract age according to the factors, and list the selected multiple insurance items in a stack, and add the insurance items to the insurance and insurance content. By printing out an insurance design document that includes an insurance premium column in which the corresponding monthly insurance premium is written, an insurance design document that allows the policyholder to easily select the insurance item that the contractor needs in consideration of the insurance premium is printed. be able to.

Furthermore, the insurance design document according to the present invention includes an insurance type column in which a plurality of insurance items are listed in a stack, a guarantee content column in which insurance contents such as insurance money are described for each insurance item in the insurance type column, and With the insurance design document that describes the insurance item and the monthly insurance fee according to the insurance content, the insurance item required by the contractor can be easily selected in consideration of the insurance fee, and the insurance enrollment status is shown in a pie chart. By doing so, the insurance items required by the subscriber can be easily notified.

[Brief description of drawings]

FIG. 1 is a diagram showing an insurance needs understanding sheet for explaining the principle of an insurance design computer system and an insurance design method according to the present invention.

FIG. 2 is a diagram showing a plan selection and insurance premium selection sheet showing a design example in which the life stage of the needs understanding sheet of FIG. 1 is a child care era.

FIG. 3 is a diagram showing an example of an insurance design document according to the present invention.

FIG. 4 is a diagram showing a basic configuration of an insurance design document according to the present invention.

FIG. 5 is a diagram showing another embodiment of the insurance design document according to the present invention.

FIG. 6 is a diagram showing a schematic configuration of an insurance design computer system according to the present invention.

7 is a flowchart showing the general operation of the computer system shown in FIG.

FIG. 8 is a diagram showing another embodiment of the insurance design document according to the present invention.

[Explanation of symbols]

1: Life insurance for funeral expenses, 2: Term insurance for survivors,
3: Insurance premium covenants, 4: Disease and disaster hospitalization covenants,
5: Income security covenant, 6: Extra premium for accidents, 7: Injury covenant,
8: Specified disease protection, 9: Cancer adult disease special provision, 10: Individual pension insurance, 12: Nursing care insurance, 13: Life insurance, 60: Needs understanding sheet, 61: CRT, 62: Keyboard, 6
3: CPU, 64: insurance type table, 65: insurance item-based insurance fee table, 66: memory, 67: printer.

Claims (4)

[Claims] 1. An insurance design computer system for selecting a plurality of insurance items and designing the contents and insurance premiums of the insurance items, the insurance storing a plurality of insurance items according to a plurality of life stages of a policyholder. It is equipped with a type table and an insurance item-specific insurance table that stores insurance premiums based on the insurance age, insurance period, insurance amount, and payment period corresponding to each insurance item. A plurality of insurance items according to the sex, the selected insurance items are layered according to the advantage of needs, and the insurance amount, the insurance period and the payment period are selected for each layered insurance item, and these are selected. The insurance premium for each insurance item is output from the insurance premium table for each insurance item based on the insurance period, the amount of insurance, the payment period, and the insurance age, so that the insurance premium and the insurance premium are accumulated. An insurance design computer system characterized by creating a stratified plan and facilitating the selection of insurance items required by insurance subscribers. 2. An insurance design method for selecting a plurality of insurance items and designing the contents and insurance premiums of the insurance items, the insurance type storing a plurality of insurance items according to a plurality of life stages of a policyholder. A table and an insurance premium table for each insurance item that stores insurance premiums based on the insurance age, insurance period, insurance amount, and payment period corresponding to each insurance item are prepared. A plurality of insurance items according to the sex, the selected insurance items are layered according to the advantage of needs, and the insurance amount, the insurance period and the payment period are selected for each layered insurance item, and these are selected. Based on the insurance period, the amount of insurance, the payment period, and the insurance age, the insurance premium for each insurance item is output from the insurance item-specific insurance table, and the selected plurality of insurance items are listed in a stack. The insurance type column, the insurance content column that describes the insurance benefits and benefits and the insurance period for each insurance item in the insurance type column, the stacking of the insurance items in the insurance type column, and the insurance premium according to the insurance content column An insurance design method comprising printing an insurance design document including an insurance premium section. 3. An insurance type column in which a plurality of insurance items, the necessity of which changes according to the life stage in consideration of the age and family structure of the insurance subscriber, are listed side by side, and each insurance item in the insurance type column. It consists of a guarantee content column that describes each insurance benefit and benefit, insurance period, and payment period, and an insurance premium column that describes the stepwise sum of insurance premiums according to the stacking of insurance items in the insurance type column. Insurance design document characterized by. 4. An insurance content column in which insurance claims and benefits corresponding to a plurality of insurance items, an insurance period, and a payment period are listed, and a pie chart divided corresponding to each insurance item is arranged.
An insurance design document characterized by showing the insurance plan as well as grasping the needs of subscribers by describing the insurance items that have already been subscribed on the pie chart.