JP2002334216A - Insurance plan calculation device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an insurance plan calculation device preparing an insurance plan capable of obtaining appropriate security state and saving state with a small insurance premium. SOLUTION: The insurance plan calculation device 10 calculates the insurance plan indicating the insurance premium to be paid at each point of time along a time base. An insurance plan calculation part 30 calculates the insurance plan of the security insurance premium of a security type insurance and the saving insurance premium of a saving type insurance. As the plan for which a saving money amount plays the role of security, the calculation part 30 calculates the insurance plan for which the security insurance premium is reduced by expecting the saving money amount by the accumulation of the saving insurance premiums until then as a part of a security money amount at the point of time and the saving insurance premium is increased by transferring the reduced amount to the saving insurance premium at each point of time on the time base and the reduced amount of the security insurance premium and the increased amount of the saving insurance premium are applied to each point of time of an insurance premium paying period. Further, the calculation part 30 calculates the plan for which the security insurance premium is reduced and the saving insurance premium is reduced corresponding to the reduction of a requested security money amount due to time lapse.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an apparatus for calculating an insurance plan that is used to determine the amount of life insurance premiums and that represents insurance to be paid at each time along a time axis, and a computer for the same. Regarding the processing method. In particular, the present invention relates to an apparatus and a computer processing method for calculating an insurance plan that can efficiently obtain a high level of security and savings with a small insurance premium in the security insurance and the savings insurance. Note that the present invention is also applicable to other financial products.

[0002]

2. Description of the Related Art For example, when subscribing to life insurance, it is necessary to set an insurance premium (monthly amount, etc.) to be paid to an insurance company.
A computer for calculating a premium plan is used to determine a premium suitable for each contractor's condition.

[0003] This type of device is, for example, a computer device carried by an insurance solicitor. The insurance solicitor uses a computer to present an insurance premium plan suitable for the customer to be solicited. In addition, such a device is provided in a computer device such as an insurance company and its branch. Operating a computer at a branch office or the like requires an insurance premium suited to the customer.

[0004] Furthermore, with the spread of the Internet, there are cases where a device for calculating an insurance plan is connected to the Internet. The customer accesses the homepage of the insurance company and fills out necessary items on the browser screen. In response, an appropriate premium is calculated and presented to the customer.

[0005] As is well known, life insurance includes:
There are security insurance such as death insurance and savings insurance such as individual pensions. In the case of security insurance, insurance premiums are set so that an appropriate amount of security is obtained. For example, insurance premiums are set so that when the insured dies, a guaranteed amount that can maintain the living level of the bereaved is obtained. On the other hand, in the case of savings type insurance, the insurance premium is set so that an appropriate savings amount (savings amount) is obtained. For example, in the case of personal annuity insurance, the premiums should be adjusted so that when the premium payment period elapses (when the annuity begins to be paid), sufficient savings have been achieved to maintain an appropriate level of living. Is set.

[0006]

As described above, life insurance includes security insurance and savings insurance. It is thought that it is desirable to have both insurances in order to balance both preparation and stable life after retirement. In calculating the insurance plan, calculating an efficient insurance plan
Desirable for customers and for insurance companies. Here, an efficient insurance plan is a plan in which appropriate insurance and savings can be obtained with less insurance premiums.

[0007] Conventionally, generally, the insurance of the insurance type and the insurance of the savings type are treated completely separately, and the insurance plans of both insurances are separately calculated by the calculation device. On the other hand, the present inventor has studied an insurance plan calculation device for a combination of security insurance and savings insurance.

[0008] The present inventor has focused on the fact that when combining both types of insurance, it is possible to deduct the security amount by considering the savings amount at each point in the insurance payment period as part of the security amount. . Also, when combining both types of insurance, for example, as can be seen from the fact that the total cost of living for the bereaved family decreases over time, the insurance premium can be reduced over time, and the reduced amount is passed on to the savings insurance premium We paid attention to that.

The present inventor has conceived of the insurance plan calculation device of the present invention in view of the above viewpoints, whereby, for example, even if the mechanism of each of the applicable insurance and savings insurance is the same as the conventional one, Compared to the case where the insurance plans for both types of insurance are individually calculated as in the past, it is possible to calculate an efficient insurance plan, that is, an insurance plan in which appropriate insurance and savings can be obtained with less premium.

[0010] Regarding an insurance plan for a combination of security insurance and savings insurance, Japanese Patent Laid-Open No. 10-4958 is disclosed.
No. 9 is referred to. In this publication, a minimum insurance premium that satisfies conditions such as desired living expenses is required for each of death protection and personal annuity. The premium that can be paid by the customer is allocated according to the required minimum premium. However, this publication does not disclose an insurance plan calculation device based on the present inventor's point of view as described above.

The present invention has been made in view of the above background, and a main object of the present invention is to provide a technology capable of obtaining an efficient insurance plan for a security insurance and a savings insurance.

The financial products to which the present invention can be applied are not limited to insurance. Therefore, another object of the present invention is to provide a technique capable of finding an efficient payment plan for a security financial instrument and a savings financial instrument.

[0013]

Means for Solving the Problems (1) The present invention is used to determine the amount of premiums for life insurance, and calculates insurance plans representing premiums to be paid at each time point along a time axis. The present invention relates to a plan calculation device. The apparatus of the present invention includes insurance plan calculation means for calculating an insurance plan of a security premium, which is a premium of a security insurance, and a savings premium, which is a premium of a savings type insurance. The insurance plan calculation means, as a savings use guarantee type insurance plan in which the savings amount by the savings insurance premium is given a role of security, at each time point on the time axis, the savings amount by the accumulation of the savings insurance fee up to that time. Is reduced as a part of the security amount at that time, the savings premium is reduced, and the savings premium is increased by passing the decrease in the security insurance premium to the savings insurance premium. Calculate an insurance plan that applies the increase in premium to each point in the premium payment period.

FIGS. 1, 2 and 3 conceptually show an example of an insurance plan calculating process by the insurance plan calculating apparatus of the present invention. In FIG. 1, the upper side of the line is the insurance premium, and the lower side of the line is the savings insurance premium. First, attention is paid to a time point T (for example, T years) in the payment period.

A: A hatched portion in the figure corresponds to a savings amount a by accumulation of savings insurance premiums up to year T.

B: The savings amount a described above can be received when death or the like occurs in T years. Therefore, the savings amount a can be expected as a part of the security amount, and the security amount to be obtained by the insurance premium b can be reduced accordingly. The insurance premium b can be reduced according to the reduction of the security amount.

C: Saving insurance premium c
, The savings premium c can be increased.

When calculating the insurance plan, the present apparatus applies the above-mentioned reduction of the insurance premium b and the increase of the savings insurance premium c to each point in the payment period. In the insurance plan thus created, as shown in FIG. 2, a decrease in the insurance premium, an increase in the savings insurance premium, an increase in the savings amount, and a decrease in the security amount occur in order. The increase in the amount of savings at a certain point in time T is due to the increase in the savings premium up to that point, and the increase in the amount of savings at the point in time T causes a decrease in the insurance premium and a decrease in the savings insurance premium thereafter. Let it. As a result, as shown in FIG. 1, the insurance premium decreases over time, and the savings insurance premium increases over time.

Referring to FIG. 3, the insurance plan calculated by the conventional insurance plan calculation device is compared with the insurance plan calculated by the device of the present invention. Traditionally, insurance plans for guaranteed insurance and insurance plans for savings insurance are calculated separately, and each premium is generally constant. In contrast, in the present invention, the insurance premium decreases and the savings premium increases. Since the savings amount is expected as a part of the security amount, even if the insurance premium decreases, a sufficient security amount can be obtained even in the event of death or the like. In this way, savings insurance premiums are increasing while securing a sufficient amount of security. Therefore, as shown in the central part of FIG. 3, when the total of the insurance premium and the savings premium is the same as the conventional pattern, a larger savings amount is accumulated than before. If the total amount of savings is the same, the total of the insurance premium and the savings premium can be set smaller.

As described above, according to the insurance plan calculation device of the present invention, the savings premium is reduced by assuming the savings amount as a part of the security amount, and the reduced amount of the insurance premium is transferred to the savings premium. Increases savings premiums. Savings premiums and security premiums interact to create a synergistic effect, such as savings premiums lowering security premiums, which raises savings premiums, which in turn lowers security premiums. Thus, it is possible to calculate an efficient insurance plan that can obtain appropriate security and savings with a small insurance premium.

(2) Preferably, the insurance plan calculation means calculates the security insurance premium by assuming, as a part of the security amount, an operation increase obtained from the savings amount as the savings use security type insurance plan. Calculate an insurance plan that increases savings insurance premiums by reducing the amount of security insurance premiums and applying the reduced amount of security insurance premiums to savings insurance premiums.

As shown in FIG. 4, according to the present invention,
Just as we saw savings as part of the security amount,
By considering the increase in investment obtained from the savings amount as part of the security amount, the synergistic effect of reducing the insurance premium and increasing the savings insurance premium can be further enhanced, and a more efficient insurance plan is calculated it can. In FIG. 4, the total amount of savings is set to be the same as in FIG. 1, and the total of the insurance premium and the savings premium is reduced.

(3) In the insurance plan calculation device according to another aspect of the present invention, the insurance plan calculation means reduces the insurance premium in accordance with the decrease of the required security amount with the passage of time, and Calculate an insurance plan in which the savings premium is increased by passing the decrease to the savings insurance premium.

The amount of security required when a death or the like occurs decreases with time. This is because living expenses and the like for the elapsed period become unnecessary. According to the present invention, the insurance premium is reduced in accordance with a decrease in the required security amount, and the reduced amount is used as the savings insurance premium to increase the savings insurance premium.

FIG. 5 shows an insurance plan calculated by the apparatus of the present invention in comparison with an insurance plan calculated by a conventional insurance plan calculation apparatus. According to the device of the present invention,
By considering the decrease in the required security amount, it is possible to calculate an efficient insurance plan in which the same saving amount as before can be obtained with a smaller insurance premium while securing appropriate security.

(4) Preferably, the apparatus according to the present invention includes the savings amount as a part of the guarantee amount, and converts the insurance premium into the savings amount, and the protection insurance amount corresponding to the decrease in the required guarantee amount. The savings are transferred to the savings premium, and an insurance plan that does both of them is calculated. Thereby, both effects are obtained, and a more efficient insurance plan can be calculated.

In FIG. 6, in the insurance plan of FIG. 5, a security function is further provided for the amount of savings. That is,
By assuming the amount of savings as part of the security amount, the required security amount to be obtained by security insurance is reduced, thereby reducing the security premium and increasing the savings premium. As a result, as compared with FIG. 5, the same savings can be obtained while securing appropriate security, and the total premium is lower.

Further, more preferably, the present apparatus calculates a more efficient insurance plan by also considering the increase in the operation.

(5) The device of the present invention includes a security goal setting means for setting a security goal related to a living level by security, and a saving target setting means for setting a saving target related to a living level by saving. The insurance plan calculation means obtains a security amount required to achieve the security target at each time point on the time axis, and the total amount of the saving amount to achieve the saving target is the accumulation of the savings premium. Calculate the insurance plan obtained by According to the apparatus of the present invention, it is possible to achieve the savings target and the security target, and to calculate an appropriate and efficient insurance plan as described above.

Preferably, the apparatus of the present invention includes a total premium target setting means for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium, and the insurance plan calculating means comprises: When the total premium when the insurance plan that achieves the security target and the savings target is obtained is different from the total premium target, an insurance plan that distributes the total premium target with the security premium and the savings premium is set. Ask. According to the apparatus of the present invention, an appropriate insurance plan that achieves the total premium target can be calculated.

(6) The apparatus of the present invention includes a total premium target setting means for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. An insurance plan that achieves the total premium target is calculated. According to the apparatus of the present invention, it is possible to achieve the total premium target and calculate a highly efficient and appropriate insurance plan as described above.

(7) In the apparatus of the present invention, the insurance plan calculation means includes an initial insurance premium setting means for setting an initial insurance premium and an initial savings insurance premium in a payment period; With the initial savings premium as a starting point, the plan calculating means for obtaining the insurance plan by sequentially obtaining the insurance premium and the savings premium at each point along the time axis, and the plan calculating means. Determination means for determining whether the insurance plan is appropriate or not, and determining whether the insurance plan is appropriate by repeating at least one of the initial insurance premium and the initial savings premium and calculating the insurance plan. Ask for an insurance plan to be made.

As described above, according to the present invention, after setting the initial insurance premium and the initial saving insurance premium, the insurance premium at each point in time is obtained along the time axis, and the insurance plan is calculated. . Then, it is determined whether the calculated insurance plan is appropriate, for example, whether a savings target or a total premium target is achieved as described later. The calculation of the insurance plan is repeated until an appropriate insurance plan is calculated.

Here, in a conventional general insurance plan calculation device, after determining a required amount, an insurance premium for obtaining the amount is calculated. Processing such as calculating a monthly insurance premium from the total amount of savings in consideration of the interest rate is performed. However, when calculating the insurance plan characteristic of the present invention as described above, especially when the savings amount is considered as a part of the security amount, the savings insurance premium and the security insurance premium influence each other. Premiums and their insurance plans that have this effect cannot be determined with conventional computing devices.

On the other hand, according to the present invention, the insurance premium is determined in chronological order after setting the initial insurance premium, and the calculation result such as the total amount of savings is obtained to determine the suitability of the plan. I do. Here, the calculation is performed in a direction opposite to that of the above-described conventional calculation device. As a result, it is possible to realize a suitable apparatus that can calculate an insurance plan characteristic of the present invention, that is, an insurance plan that enhances efficiency by affecting the savings premium and the security premium.

(8) Preferably, the apparatus according to the present invention includes a security goal setting means for setting a security goal related to a living level based on security, and a saving target setting means for setting a saving target related to a living level based on saving. The insurance plan calculation means obtains an insurance plan that achieves the security target and the savings target. According to the apparatus of the present invention, it is possible to achieve the savings target and the security target, and to calculate an appropriate and efficient insurance plan as described above.

Preferably, the initial premium setting means includes:
The initial insurance premium is set to an amount that achieves the security target at the beginning of the payment period, and the determination unit determines whether the savings target is achieved by the insurance plan calculated by the plan calculation unit. Determine if the insurance plan is appropriate. On the security side, we will set premiums to achieve our goals from the beginning. In the plan calculation, both insurance premiums at each time point are sequentially obtained so that the security target is achieved at each time point in the payment period. Then, it is determined whether or not the savings target is achieved by the calculated insurance plan. If the target is not achieved, change the initial premium on the savings side. Through such processing, it is possible to efficiently and quickly reach an insurance plan that achieves both the security goal and the savings goal.

Preferably, the apparatus of the present invention includes a total premium target setting means for setting a total premium target, which is a target of the total premium of the insurance premium and the savings premium, wherein the insurance plan calculating means comprises: After obtaining the insurance plan that achieves the security target and the savings target, an insurance plan that achieves the total premium target is further obtained. Preferably, the apparatus of the present invention seeks an insurance plan that achieves the total premium target while maintaining the relationship between the level of security and savings in the insurance plan that achieves the security goal and the savings goal. According to the apparatus of the present invention, an appropriate insurance plan that achieves the total premium target can be calculated.

(9) Preferably, the apparatus of the present invention includes a total premium target setting means for setting a total premium target which is a target of the total premium of the security premium and the saving premium.
The insurance plan calculation means obtains an insurance plan that achieves the total premium target by repeating the process of calculating the insurance plan. Preferably, the initial premium setting unit sets an initial insurance premium and an initial savings premium so as to achieve the total premium target, and the insurance plan calculating unit sets the initial insurance premium and the initial savings premium. While maintaining the total premium at the total premium target, the calculation of the insurance plan is repeated while changing the allocation of the initial insurance premium and the initial savings premium, based on the relationship between the living level by security and the living level by savings. To obtain an insurance plan that is deemed appropriate. According to the apparatus of the present invention, it is possible to achieve the total premium target and calculate a highly efficient and appropriate insurance plan as described above. In this aspect, the security goal and the savings goal may or may not be set.

As described above, according to the insurance plan calculation device of the present invention, an efficient insurance plan that can obtain appropriate security and savings with a smaller insurance premium for a combination of security insurance and savings insurance. Can be calculated.

Further, according to the present invention, it is possible to design an appropriate insurance that emphasizes security at a young age, emphasizes savings as the age increases, and smoothly shifts from security-oriented to savings-oriented. This is particularly prominent in a plan in which the insurance premium is reduced and the savings insurance premium is increased in accordance with the decrease in the required amount of security, as described with reference to FIG.

Further, according to the present invention, it is preferable to keep the total premium in the insurance plan constant, and as a result, there is obtained an advantage that the processing in the premium payment system is simplified. The insurance payment system is, for example, a system related to deduction of a bank or deduction of a salary. If you want to change the premium, you need to process the change. In the case of life insurance, the number of contracts is large and the contents are various, so that the processing load accompanying a change in the insurance premium is large. According to the present invention, the total insurance premium is maintained even if the insurance premium and the savings premium change, so that there is an advantage that the debit amount and the deduction amount are not changed, and the processing for that is reduced.

Within the scope of the present invention, the insurance plan calculation device comprises:
The computer system may be constituted by a small computer device carried by an insurance solicitor, or may be constituted by a larger computer device installed in an insurance company or the like. May be configured. The insurance plan calculation device of the present invention may be a computer device accessed via communication means such as the Internet.

Further, the present invention is not limited to the aspect of the insurance plan calculation device described above. Another aspect of the present invention, for example,
A computer processing method for calculating an insurance plan may be used, a program for such computer processing may be used, and a medium recording such a program may be used.

"Financial Product Payment Plan Calculating Apparatus" The financial products to which the present invention can be applied are not limited to insurance.

Accordingly, another embodiment of the present invention is used to determine the amount of payment for a financial instrument, and calculates a payment plan representing a payment to be paid at each point along a time axis. It is a calculating device. The apparatus of the present invention includes a payment plan calculation unit that calculates a payment plan for a security payment, which is a payment for a security-type financial instrument, and a non-guaranteed payment, which is a payment for a non-security-type financial instrument, wherein the payment plan calculation is performed. The means is as follows: at each time point on the time axis, the accumulated amount of non-guaranteed payments accumulated up to that point is stored as The security payment is reduced by anticipating as a part of the security amount at that time, the non-security payment is increased by transferring the decrease in the security payment to the non-security payment, and the reduction in the security payment and the A payment plan is calculated in which the increase in the non-guaranteed payment is applied to each point in the payment period of the payment.

Here, the guaranteed financial product is typically insurance, and life insurance such as death insurance is suitable for the present invention. The security financial product may be simple insurance. Security payments, which are payments for guaranteed financial instruments, are typically insurance premiums.

The non-guaranteed financial product is a non-guaranteed type product in which the paid amount returns to a certain extent. Financial products other than guaranteed financial products generally belong to this type. Non-guaranteed financial products are typically savings-type financial products such as bank deposits. In the case of bank deposits, for example, monthly deposits correspond to non-guaranteed payments, which are payments for non-guaranteed financial instruments.

[0049] Investment-type financial products are also included in non-security-type financial products. In fact, the difference between savings-type and investment-type financial products is whether they are more secure or less secure, in other words, they have lower or greater risk. Some financial products are in between. These are included in the non-guaranteed financial products of the present invention.

From the viewpoint of the present invention, the investment-type financial product has a savings property as compared with the security-type financial product, since the paid-in amount returns in a form close to that. Therefore, in the present invention, investment-type financial products may be considered as a kind of savings-type financial products. further,
Based on the same concept, such saving-type and investment-type financial products may be collectively referred to as accumulation-type financial products. The same applies to the intermediate type between the investment type and the savings type.

Further, savings-type insurance such as pensions will be included in non-guaranteed financial products (savings-type financial products and storage-type financial products) in the present invention since the paid amount will return.

Preferably, the payment plan calculation means reduces the security payment by considering the increase obtained from the storage amount as a part of the security amount, as the payment use guarantee type payment plan, A payment plan in which the non-guaranteed payment is increased by passing the decrease in the security payment to the non-guaranteed payment is calculated. The increase is, for example, an increase in investment in savings type insurance, and is, for example, interest in bank deposits.

In one aspect of the present invention, the payment plan calculation means reduces the security payment in accordance with a decrease in the required security amount with the lapse of time, and converts the reduced security payment into a non-security payment. A payment plan in which the non-guaranteed payment is increased by turning is calculated.

Preferably, the apparatus of the present invention calculates a payment plan in which the total of the security payment and the non-security payment is maintained and the distribution of both payments changes.

Preferably, the payment plan calculation means includes an initial payment setting means for setting an initial security payment and an initial non-guaranteed payment in a payment period, and the initial security payment and the initial non-guarantee payment. Starting from the payment,
A plan calculation means for sequentially obtaining along the time axis a security payment and a non-security payment at each time point to obtain a payment plan,
Determining means for determining whether or not the payment plan calculated by the plan calculation means is appropriate; and processing for calculating a payment plan by changing at least one of an initial security payment and an initial non-security payment. Is repeated to obtain a payment plan determined to be appropriate.

In comparison with the above-described embodiment of the insurance plan calculating device, the security type financial product corresponds to the security type insurance, the non-security type financial product corresponds to the saving type insurance, and the security payment is the security premium. The non-guaranteed payment corresponds to the savings insurance premium. Therefore, a similar advantage can be obtained by this embodiment. For example, for a combination of guaranteed financial products and non-guaranteed financial products, it is possible to calculate an efficient payment plan that can obtain appropriate security and savings with less payment.

The present invention is not limited to the above-described embodiment of the financial product payment plan calculation device. Another aspect of the invention is
For example, a computer processing method for calculating a payment plan may be used, a program for such computer processing may be used, or a medium on which such a program is recorded may be used.

[0058]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will be described below with reference to the drawings. The insurance plan calculation device according to the present embodiment changes the insurance premium in consideration of the insurance plan as described with reference to FIG. Calculate an insurance plan that changes the premium according to the decrease of the amount of money over time. The device of the present embodiment calculates an insurance plan that keeps the total of the insurance premium and the savings premium constant.

FIG. 7 shows the overall configuration of the insurance plan calculation device according to this embodiment. Insurance plan calculation device 1
0 is configured by a computer. The device may be included in a computer carried by the insurance solicitor.
The present device may be provided in a computer of an insurance company. Such a computer may be a dedicated computer for calculating an insurance plan, or a computer having other functions related to the business of the insurance company. Further, the program of the insurance plan calculation may be incorporated in a general-purpose computer to realize the apparatus of the present invention.

The insurance plan calculation device 10 is connected to the input device 12 and the output device 14. The input device 12 and the output device 14 may be provided integrally with the insurance plan calculation device 10.

The input device 12 is used for inputting plan design conditions and various instructions such as execution of calculations. The input device 12 is, for example, a keyboard and a pointing device. The input device 12 may be a microphone, in which case voice recognition is performed.

The output device 14 outputs the calculated insurance plan. The output device 14 is, for example, a display and a printer. In addition, the display displays an input screen for planning and design conditions and various other guidance screens.

The insurance plan calculation device 10 may be provided in a computer of an insurance company and connected to a terminal device carried by an insurance solicitor by communication. In this case, the communication device can be regarded as an input / output device. The present device may be connected to a terminal device via a LAN or the like.

Further, the insurance plan calculation device 10 may be connected to the Internet. This device is provided in, for example, a WWW server. Also in this case, the communication means functions as an input / output device. This device receives the conditions for the plan calculation via the Internet and sends back the calculation result.

An embodiment in which the insurance plan calculation device 10 is incorporated in a computer carried by an insurance solicitor will be mainly described below.

As shown in FIG. 7, the insurance plan calculation device 10 includes an input / output processing unit 20, a payment period setting unit 22, a security target setting unit 24, a savings target setting unit 26, a total premium target setting unit 28, An insurance plan calculation unit 30 is included.

The input / output processing unit 20 performs processing relating to input / output of information by the input device 12 and the output device 14.
Processing corresponding to the types of the input device 12 and the output device 14 is performed.

The payment period setting section 22 sets a payment period for insurance premiums for the insurance of security and the insurance of savings. In the present embodiment, death insurance is taken as insurance, and individual pension is taken as savings insurance. And the insurance premium of the security insurance is called the insurance premium, and the insurance premium of the savings insurance is called the savings insurance premium.

The payment period is typically a period from the contract to the start of the pension receipt, and the start of the pension receipt is typically a retirement age. In this embodiment, the input device 12 inputs the current age of the customer and the age at retirement age. The period between the two ages is calculated and set as the payment period.

The security target setting unit 24 sets a security target related to a living level by security. In this embodiment,
Use the desired cost of living for the bereaved as a security target. The desired living expenses for the bereaved (for example, monthly) are input and set as security targets.

The saving target setting unit 26 sets a saving target related to a living level by saving. In this embodiment,
Use the desired living expenses for retirement as a saving target. A desired living cost for saving (for example, monthly amount) is input and set as a saving target.

The total premium target setting unit 28 sets a total premium target which is a target of the total amount of the insurance premium and the savings premium. The total premium target is set to a value input from the input device 12. Note that an appropriate total premium target may be calculated from the customer information. The customer information is, for example, income information such as monthly income and annual income of the customer. Further, information on the family structure of the customer may be used. A table may be provided that associates customer information with an appropriate total premium target. Referring to this table, the total premium target setting unit 28 calculates the total premium target.

The insurance plan calculation unit 30 calculates an appropriate insurance plan using the payment period, the security target, the savings target, and the total premium target set as described above.

As described with reference to FIGS. 1 to 6, the insurance plan calculation unit 30 calculates an insurance plan satisfying the following conditions. That is,

(1) An insurance plan for a combination of security insurance and savings insurance, wherein the insurance premium and the savings insurance premium change over time, and (2) the time axis. At each of the above points, the insurance premium is reduced by assuming the amount of savings and the increase in investment from the accumulation of savings insurance up to that point as part of the security amount at that time, and The savings premium is increased by passing it on to the savings premium, and (3) the insurance premium is reduced in accordance with the decrease of the required security amount with the passage of time. This is an insurance plan in which savings premiums are increased by passing through.

The insurance plan calculation unit 30 calculates a plan in which the total of the insurance premium and the savings insurance premium is maintained throughout the payment period. Therefore, in the insurance plan according to the above conditions, the distribution of the insurance premium and the savings insurance premium changes with the passage of time in a direction in which the ratio of the insurance premium decreases.

The insurance plan calculation unit 30 repeatedly calculates such an insurance plan. An appropriate initial insurance premium is set, and the insurance premium is determined in chronological order with the initial insurance premium as a starting point, whereby the insurance plan over the payment period is determined, and whether the insurance plan is appropriate is determined. judge. An appropriate insurance plan is obtained by repeatedly changing the initial premium and calculating the plan.

FIG. 8 shows a preferred configuration example of the insurance plan calculation unit 30. The insurance plan calculation unit 30 first has an initial insurance premium setting unit 32, an initial savings premium setting unit 34, and a plan calculation unit 36.

The initial insurance premium setting unit 32 sets an initial insurance premium during the payment period. In this embodiment,
The initial insurance premium is initially set to the amount at which the security goal is achieved. That is, the initial insurance premium is 1
If the insured dies in the year, the insurance target will be set at an insurance premium that will provide the desired living expenses for the bereaved family. In this embodiment, the desired living expenses (monthly basis) from the occurrence of death to the average life expectancy
The insurance premium is set so that the amount of security equivalent to the total of

In the present embodiment, as the unit of time, “month” is used for the amount of the insurance premium (monthly basis), and “year” is used for the interval for changing the insurance premium. However, the unit of time is,
Of course, it can be changed appropriately.

The initial savings premium setting unit 34 sets an initial savings premium in the payment period. In this embodiment,
The initial savings premium is set as follows. That is, an insurance premium that can achieve the savings target assuming that the insurance premium is fixed at a fixed level is required. This amount is set as the initial savings premium.

In this regard, in the calculation of the insurance plan described later, a loop calculation is performed while changing the initial savings premium.
Finally, calculate an appropriate insurance plan. Therefore, the initial savings premium set here is a temporary setting value. Since it is a temporary setting value, the value is not limited to the value described above, and may be set to another appropriate value.

However, fixing the premium is a process found in a conventional general insurance plan calculation device. The use of the temporary setting values as described above has an advantage that the difference between the insurance plan by the device of the present embodiment and the insurance plan by the conventional device can be clearly understood.

Next, the plan calculation unit 36 calculates an insurance plan using the initial insurance premium and the initial savings premium set as described above.

FIG. 9 shows the insurance plan calculation process by the plan calculation unit 36. Details of the calculation processing will be described later. Here, referring only to the calculation results, according to the insurance plan obtained at this stage, the total amount of savings is large, and the monthly living expenses for retirement (34,290,000 yen) according to the plan are the desired living expenses for retirement as a saving target. (300,000 yen).

Returning to FIG. 8, the insurance plan calculation unit 30 further has a determination unit 38 and an initial premium change unit 40. The determination unit 38 determines whether the insurance plan calculated by the plan calculation unit 36 is appropriate. Here, it is determined whether or not the savings state obtained from the total amount of the savings, that is, the living expenses for retirement attains the target. At this stage, as described above, it is determined that the total amount of savings is large and the target is not achieved.

In response to this determination, the initial premium changing unit 40
Change the initial savings premium. Initial premium change section 40
Changes the initial savings premium in a direction in which the total amount of savings approaches the savings target, that is, in a direction in which the initial savings premium is reduced.

The plan calculation unit 36 calculates the insurance plan again using the changed initial savings premium. At this time, the initial insurance premium may be the same as the previous calculation. When the calculation is completed, the determination unit 38 makes a determination again.

The loop calculation while changing the initial savings premium is continued until the saving target is achieved and the determining unit 38 determines that the insurance plan is appropriate.

In this loop calculation, the initial savings premium may be changed by a fixed width. Also, in order to speed up the calculation, the initial savings premium was changed relatively large at first,
Later, the change range of the initial savings premium may be reduced.

In a preferred embodiment, initially, the width of the change is set to be large (for example, 1000 yen). A loop calculation is performed until the cost of retirement from savings falls below the target. Then, the insurance premium is increased with a smaller change width (for example, 100 yen). This time, the cost of living for retirement exceeds the target. By repeating this, the convergence calculation is performed, and the insurance plan that achieves the target efficiently and quickly is calculated.

FIG. 10 shows an insurance plan for achieving the savings target calculated by the above loop calculation. For the security target, the insurance plan is calculated from the beginning to achieve the security target. Therefore, planning at this stage will simultaneously achieve the security and savings goals. However, in this stage of the plan, the total premium is higher than the target. Therefore, the following processing is further performed.

Returning to FIG. 8, when the insurance plan that achieves the savings target and the security target is obtained, the determination unit 38 of the insurance plan calculation unit 30 subsequently determines whether the total premium target has been achieved. Determine the validity of your insurance plan.

If the determining unit 38 determines that the total premium target is not achieved, the target changing unit 42 changes the saving target and the security target. Here, the goal changing unit 42
The two goals are changed so that the relationship between the savings goal and the security goal initially set is maintained. The relationship between the two goals is
The difference between the two may be used, the ratio between the two may be used, or another appropriate relationship may be used. In the case of the example of the present embodiment, the difference between the two is maintained. However, in this example, since the amounts of both targets are the same, the result is the same as when the ratio is maintained.

The initial insurance premium setting unit 32 and the initial saving insurance premium setting unit 34 set the initial insurance premium and the initial saving insurance premium based on the changed security target and saving target. An insurance plan is calculated using these initial premiums. The calculation is repeated until the determination unit 38 determines that the savings target has been achieved.

When the savings goal is achieved, it is determined again whether the total premium goal has been achieved. This corresponds to a process of determining whether the insurance plan is appropriate. If the total premium target is not achieved, the target changing unit 4
2 changes the savings target and the security target.

The above processing is repeated until the judgment unit 38 judges that the total premium target has been achieved. As a result, an appropriate insurance plan in terms of achieving the total premium target is calculated.

FIG. 11 shows an insurance plan obtained by the above loop calculation. Here, the total premium target is achieved. In other words, the sum of the insurance premium and the savings premium matches the payable premium as the total premium target. Further, according to the calculation result of FIG. 11, although the obtained insurance plan and the security in the obtained insurance plan are different from the initial target value, a suitable insurance plan that maintains the relationship between the security and the saving in the initial target is obtained. I have.

In the description related to FIG. 10, when the initial savings premium is changed, the change width may or may not be constant, and convergence calculation is preferably performed.
When the target premium is changed in the processing related to FIG. 11, the range of the change may or may not be constant.
Also, preferably, the change width is narrowed as in the case of FIG.
Perform convergence calculation.

In the process described with reference to FIG. 11, the target changing unit 42 changes the saving target and the security target. This change is intended to change the initial premium. That is, the fact that the initial premium is set from the security target and the savings target, and that changing the target also changes the initial premium. Therefore, the target changing unit 42 functions as a unit for changing the initial premium. More specifically, the target changing unit 42 and the initial premium changing unit 40 function as means for changing the initial premium.

In this embodiment, in FIG. 8, the judgment unit for the savings target and the judgment unit for the total premium target are shown in one block, but they may be of course separate. .

The calculation results of FIGS. 9 to 11 obtained as described above are output by the insurance plan calculation device 10 using the output device 14. Preferably, the screens of FIGS. 9 to 11 are displayed on a display as the output device 14. The calculation result may be output by printing from a printer according to a user's instruction.

The screens shown in FIGS. 9 to 11 also function as input screens for calculation conditions and as screens for the user to input calculation execution instructions. That is, an appropriate target amount is entered in the desired living expenses for retirement and the desired living expenses for the bereaved family at the top of the screen. In the payable insurance premium, an appropriate amount as a target of the total premium is written. And
When the top button is pressed among the three buttons arranged at the upper right of the screen, the screen of FIG. 9 is displayed. When the second button is pressed, the screen of FIG. 10 is displayed, and when the third button is pressed, the screen of FIG. 11 is displayed.

[Insurance Plan Calculation] Next, the details of the insurance plan calculation processing by the plan calculation unit 36 will be described.

FIG. 12 corresponds to a part of FIG. 9, and shows a part immediately after the start of the payment period in FIG.

In the upper half of FIG.
Is one form of savings target, and the bereaved desired living expenses B is one form of savings target.

[0107] Desired living expenses from retirement age A to first year savings insurance premium C
(Monthly basis) is calculated. Here, the insurance premium required to receive the amount obtained by subtracting the public pension from the desired living expenses A for retirement after retirement is calculated. The receiving period is set, for example, from the end of the payment period to the end of the average life. The average life is stored in the present apparatus in advance.

The public pension may be a value input to the apparatus. The public pension may also be an appropriate standard value. A table that associates various customer conditions with a public pension may be stored in the present apparatus, and the public pension may be determined with reference to this table. Here, the public pension on the savings calculation side has been described, but the same applies to the public pension on the security calculation side. The public pensions on the savings side and the security side may be different.

On the other hand, the required security amount D for the first year is calculated from the bereaved family's desired living expenses B, and the first year insurance premium E (monthly basis) is calculated from the required security amount D. Here too, public pensions are taken into account. That is, the amount to be obtained every month is the amount obtained by subtracting the public pension from the bereaved family's desired living expenses B. The required security amount D is obtained by multiplying this amount by the period from the first year to the average life expectancy (life expectancy). Preferably, emergency reserve costs and education costs are also taken into account and added to the required security amount. Funeral fees, marriage subsidies and the like may also be considered, for example, a predetermined amount (for example, 15 million yen) is added for that purpose. Then, the first-year security insurance premium E is obtained by multiplying the required security amount D by the insurance premium rate.

The lower half of FIG. 9 shows a process for obtaining the insurance premium one year after the contract, that is, the insurance premium (monthly basis) to be paid in the second year. The savings amount F in the first year (cumulative paid insurance premium) is 12 times (for one year) the savings premium C in the first year. The reserve G after the change in the insurance premium ratio is a value obtained by applying the interest rate to the savings amount F, that is, a value including the increase in investment. Compound interest calculation is performed.

The required security amount H (necessary security amount) is smaller than the initial required security amount D. This is a result of deducting one year's living expenses from the initial required security amount D. That is, the required security amount H is a value obtained by subtracting (request for desired living expenses-public pension) × 12 months from the initial required security amount D.

The insurance premium I after consideration of the reserve is obtained from the demanded security amount H, and further, the reserve G after the change of the insurance premium ratio (saving accumulation reserve).
Is the value obtained by subtracting As a result, the savings amount and the increase in the investment are expected to be part of the required security amount.

The insurance premium J after consideration of the reserve is a security insurance premium necessary for obtaining the insurance premium I after consideration of the reserve. This premium J becomes the next year's, ie, the second year's premium K. Due to the deduction of the living expenses described above, a reduction in the insurance premium in accordance with a decrease in the required amount of security is realized here. Further, by subtracting the above-mentioned savings amount and the operation increase amount, the reduction of the insurance premium by causing the saving amount and the operation increase amount to function as a part of the security amount is realized here.

The next year's savings and input insurance premium L is the difference between the first year's insurance premium D and the second year's insurance premium. This is equivalent to a reduction in the insurance premium.

The savings premium L for the following year is transferred to the savings premium for the following year (the second year) (reinvestment). Therefore, the savings premium M for the second year is a value obtained by adding the savings premium L for the following year to the savings premium C for the first year. The process of transferring the reduced amount of the insurance premium to the savings premium is realized here.

Twelve times (one year) of the savings premium M is added to the savings amount (cumulative paid premium) F at the end of one year,
The savings amount N at the time when the second year has elapsed is obtained. Thereafter, the above calculation is performed until the insurance payment period elapses.

FIG. 9 shows the result of calculating the continuation of FIG. 12 and obtaining the insurance plan over the payment period. In the left half of the table in the center of FIG. 9, numerical values related to savings calculation are shown. The monthly premium paid in the first year is the initial savings premium, and the annual interest rate is the interest rate used to calculate the increase in investment. The monthly funded pension is calculated from the total amount of savings funded by the calculated insurance plan. This is the monthly amount obtained by dividing the total amount of savings into the pension receiving period. And
The sum of the monthly pension and the public pension is the monthly retirement expenses according to the insurance plan.

On the other hand, in the table at the center of FIG. 9, numerical values related to the security calculation are shown in the right half. As described above, the required security amount in the first year is the required security amount when the insured person dies in the first year, and is set in consideration of the public pension. The value obtained by multiplying the insurance amount by the insurance premium rate is the insurance premium for the first year. The monthly living expenses is a value obtained by subtracting the public pension from the living expenses of the bereaved family, and one year's worth is the annual living expenses for security money.

In the table at the center of FIG. 9, the lower half shows the calculated values of various amounts for each year. The meanings of these numerical values are as described with reference to FIG. As described with reference to FIG. 12, in each year, the calculation proceeds from left to right. When the calculation for one year is completed, the calculation proceeds to the next year, and the calculation also proceeds from left to right. This calculation is performed until the end of the payment period.

The table on the right side of FIG. 9 shows the distribution of savings premiums and security premiums in the calculated insurance plan in percentage. It can be seen that the distribution of insurance premiums gradually decreases.

The contents of the calculation process are the same for FIGS. 10 and 11. That is, in the present embodiment, an appropriate insurance plan that achieves the target is obtained by repeating the same calculation after changing the initial premium or the target premium.

It has been described with reference to FIG. 11 that the target changing unit 42 changes the savings target and the security target. This change may be made inside the apparatus. Therefore, as shown in FIG. 11, the initially set saving target and security target, that is, the target according to the customer's desire are displayed on the screen as they are.

In FIGS. 9 to 11, a calculation result column is provided at the bottom of the screen. In this column,
At the top is the sum of insurance premiums and savings premiums when security and savings are separately designed as before. This amount is the same as the total premium in the calculation of FIG. 9, that is, the total of the premium initially set before the start of the loop calculation. The second corresponds to the calculation result of FIG. 10 and is the total premium in the insurance plan when achieving the savings target and the security target. The third corresponds to the calculation result of FIG.
Here, the target total premium has been achieved, and the cost of living obtained at that time is shown.

FIG. 13 to FIG. 15 are graphs showing the insurance plans as the calculation results of FIG. FIG. 13 shows a change in the distribution of the insurance premium and the savings insurance premium.
It corresponds to.

FIG. 14 also shows the distribution of the insurance premium and the savings insurance premium in different forms.

FIG. 15 shows the transition of the guarantee amount.
The upper line in FIG. 15 is the required security amount (requested security amount).
It shows the transition of. As a result of the deduction of living expenses, the required amount of security has decreased linearly. The lower line shows the change in the amount of security to be obtained by the insurance. On the lower line, the savings amount due to savings insurance premiums and the increase in investment are expected, and as a result, the insurance amount to be obtained by guaranteed insurance is lower than the original required security amount.

FIGS. 16 to 18 show another example of the insurance plan calculation processing by the insurance plan calculation device 10 of the present embodiment. In the examples of FIGS. 9 to 11 described above, the saving target (desired living expenses for retirement) and the security target (desired family living expenses) are set equal. On the other hand, in the examples of FIGS.
Both goals are set differently. That is, the desired living expenses for retirement are 300,000 yen, and the desired living expenses for the bereaved family are 350,000 yen.

The calculation processing of the insurance plan is the same in the examples of FIGS. First, as shown in FIG. 16, first, an insurance plan is calculated using the temporarily set initial premium. Then, the loop calculation is performed while changing the initial premium, and as shown in FIG. 17, an insurance plan that achieves the savings target and the security target is obtained. continue,
The loop calculation is performed while changing the saving target and the security target. At this time, the relationship between savings and security is kept constant. Here, 50,000 yen, which is the difference between the two, is maintained.
Then, by the loop calculation, as shown in FIG.
An insurance plan that achieves the total premium target is calculated. Regarding the insurance plan that achieves the total premium target, the cost of retirement and the cost of living for the bereaved family are shown in the calculation results below.

Next, FIG. 19 is a flowchart showing a plan calculation process by the insurance plan calculation device 10 described above.
First, a payment period is set (S10), a security target and a saving target are set (S12), and a total premium target is set (S14). An initial insurance premium is set based on the security target, and an initial saving insurance premium is set based on the saving target (S16).

Next, an insurance plan is calculated by the plan calculation unit 36 using the initial premium set in S16 (S16).
18). Then, the determination unit 38 determines whether the saving target has been achieved (S20). In the first calculation,
The calculation result as shown in FIG. 9 is obtained, and the savings target has not yet been achieved. Therefore, the process proceeds to S22, where the initial savings premium is changed in the direction to achieve the savings target, and the process returns to S18.

Until it is determined in S20 that the savings target has been achieved, the processes of S18 to S22 are repeated to obtain an insurance plan suitable for achieving the savings target, that is, the insurance plan of FIG. If the determination in S20 is YES, the insurance plan is stored and held in the device (S24).

Next, the determination unit 38 determines whether the total premium target has been achieved (S26). In the plan of FIG. 10, the savings target was achieved, but the total premium target was not achieved. Therefore, the process proceeds to S28, where the saving target and the security target are changed, and the process returns to S16. The processes in S16 to S28 are repeated until an insurance plan suitable for achieving the total premium target, that is, the insurance plan in FIG. 11 is obtained.

Here, as described above, the reason why the savings target and the security target are changed in S28 is to change the initial insurance premium in a direction to achieve the total premium target.
In other words, the initial premium is changed indirectly by changing the target value.

In the modified example, the target of the total premium may be achieved by gradually changing the initial premium itself.
In this case, the initial savings premium and the initial insurance premium are changed one by one or both simultaneously. At this time, preferably, the initial savings premium and the initial savings premium are maintained while balancing the security and savings obtained by the insurance plan, and more preferably maintaining the relationship (difference, etc.) between the security target and the savings target set at the beginning. Change the insurance premium. As a specific example, in order to keep the cost of living for security and saving the same, for example, if the living expenses of the bereaved family in the calculation results are smaller than the living expenses of retirement, the initial savings insurance premium is reduced, and conversely, if the living expenses of retirement are reduced, the initial cost of the surviving family is reduced The process of lowering the insurance premium is performed, and the insurance premium is changed alternately.

Returning to FIG. 19, if it is determined in S26 that the target of the total premium has been achieved, the insurance plan is stored and held in the apparatus (S30).

The insurance plan thus obtained (FIG. 9, FIG. 1)
0, FIG. 11) is output from the output device 14. As described above, the output device 14 is typically a display, but may be a printer, a communication device, or the like.

As described above, the preferred embodiments of the present invention have been described. According to the insurance plan calculation device of the present embodiment, as a savings use guarantee type insurance plan in which the savings amount by the savings insurance premium is given a role of security, at each time point on the time axis, the savings insurance fee up to that time point The savings premium by reducing the amount of the insurance premium by saving the amount of savings due to the accumulated amount of savings and the resulting increase in investment as part of the security amount at that time. Then, an insurance plan is calculated in which the reduction in the insurance premium and the increase in the savings insurance premium are applied to each point in the insurance premium payment period. Furthermore, there is an insurance plan in which the insurance premium at each point is reduced in accordance with the decrease in the required security amount over time, and the savings insurance premium is increased by passing the decrease in the security insurance premium to the savings insurance premium. Is calculated. As a result, it is possible to calculate an appropriate insurance plan that achieves the security target and the savings target with a small insurance premium, and an appropriate insurance plan that achieves the total premium target with a small insurance premium. Can be calculated.

Further, according to the present embodiment, as shown in FIGS.
As we get older, we can make an appropriate insurance design that emphasizes savings and smoothly shifts from savings to savings.
This advantage is particularly remarkable by taking advantage of the fact that the cost of living for the bereaved family can be deducted over the years, that is, by reducing the insurance premium and increasing the savings insurance premium in accordance with the decrease in the required amount of security. Have been.

Further, according to the present embodiment, the total premium in the insurance plan is kept constant, and the distribution of both premiums is appropriately changed along the time axis. As a result, as shown below, This has the advantage of simplifying the processing in the insurance payment system. The insurance payment system is, for example, a system related to deduction of a bank or deduction of a salary. If you want to change the premium, you need to process the change. In the case of life insurance, the number of contracts is large and the contents are various, so that the processing load accompanying a change in the insurance premium is large. In this embodiment, since the total premium is maintained even if the insurance premium and the savings premium change, the debit amount and the deduction amount are not changed, and the processing for that is reduced.
The advantage is obtained.

However, in the present invention, the total insurance premium may not be constant within the payment period, and may be switched midway, for example. For example, the total premium is changed in the first half and the second half of the payment period.

Further, according to the above-described embodiment, for example, in the processing of FIG. 10, after setting an initial insurance premium, the insurance premium is obtained in a time series to calculate an insurance plan, and the insurance plan is calculated. Judgment is made as to whether the living expenses for retirement in the plan meet the target, and if not, the initial premium is changed.

In this regard, in a conventional general insurance plan calculation device, after determining necessary retirement living expenses, a savings insurance premium for obtaining the amount is calculated. However, when calculating an insurance plan characteristic of the present invention, savings insurance premiums and security insurance premiums influence each other. It is not easy to determine the insurance premium and the insurance plan that have this effect by using the conventional device.

On the other hand, according to the present embodiment, the insurance plan is calculated from the initial insurance premium, and the cost of retirement living in the insurance plan is determined. Here, the calculation process is performed in a direction opposite to that of the above-described conventional device. That is, the living cost is calculated from the insurance premium, and it is determined whether the set premium is appropriate. Accordingly, it is possible to realize a suitable apparatus capable of calculating an insurance plan characteristic of the present invention described above, that is, an insurance plan that enhances efficiency by affecting a savings insurance premium and a security insurance premium.

Further, in this embodiment, when an insurance plan that achieves the security target and the savings target is obtained, the insurance premium that achieves the target is set from the beginning on the security side. In the plan calculation, both insurance premiums at each time point are sequentially obtained so that the security target is achieved at each time point in the payment period. Then, it is determined whether or not the savings target is achieved by the calculated insurance plan. If the target is not achieved, change the initial premium on the savings side. Through such processing, it is possible to efficiently and quickly reach an insurance plan that achieves both the security goal and the savings goal.

Next, the setting of the above-mentioned security target, saving target, initial insurance premium and initial saving insurance premium will be further described.

[Security Target] In the present embodiment, the desired cost of living for the bereaved is used as the security target. The bereaved family member's desired living expenses were entered by the user. The cost of living for the bereaved was constant. In addition, the required security amount is the amount when it is assumed that a certain desired living expenses for the bereaved family is required up to the average life expectancy of the bereaved family (spouse).

On the other hand, the desired living expenses for the bereaved family as the security target may not be constant. For example, the living expenses until the child (the youngest child) becomes independent and the living expenses after the independence are input. These input values are set as security targets by the initial security premium setting unit 32. Alternatively, the living cost after independence may be obtained by a calculation process. For example, the living expenses up to independence are multiplied by a predetermined magnification (<1).

In this case, the required security amount is calculated using the above-mentioned bereaved family's desired living expenses before and after independence. In this calculation, information on when the child becomes independent is preferably used.
This information may be entered by the user. Alternatively, the current age of the child may be input and calculated from that age. For example, the calculation is performed assuming that the child is 22 years old and independent.

[0149] Regarding the security goal, in the above embodiment, the desired living expenses of the bereaved were directly input. In contrast,
The family member's desired living expenses may be obtained by the present apparatus based on the input conditions of the user.

For example, the user (or the customer himself / herself) inputs the customer's annual income. The insurance plan calculation device 10 stores a table of annual income rank and standard living expenses. This standard living cost may be, for example, statistical data of a public organization. Using this table, an appropriate survivor's living expenses is calculated.

In this calculation process, the living expenses of the bereaved may be appropriately reduced from the standard living expenses. For example, the living expenses while a child before independence (for example, under the age of 22) is 0.7 times the current standard living expenses. The living expenses after independence shall be 0.5 times the standard living expenses.

Further, the required security amount is calculated using the survivor's living expenses obtained as described above. At this time,
The spouse's life expectancy is calculated using the input spouse's age and the average life data stored in advance. The child's independence time is calculated from the input current age of the child.

Further, in this embodiment, as input conditions,
A request to increase or decrease the cost of living due to security may be accepted. For example, the selection of conditions such as "hope for a better life than the present life", "hope for the same level of life as the present", and "hope for a more modest life" are accepted. Living expenses are adjusted according to the selected conditions.

Further, regarding the security goal, the period during which the cost of living for the bereaved family is required may be set to an appropriate period other than the period until the life expectancy.

Regarding the security goal, in this embodiment,
The security goal is not limited to the cost of living for the bereaved. The security goal may be another parameter related to the level of living with security. For example, a living cost that does not include a public pension (corresponding to an amount obtained by subtracting the public pension from the desired living expenses for the bereaved) can be used as the security target. This corresponds to the monthly living expenses (or may be the annual living expenses of insurance money) in the column of security calculation in the table of FIG. 9 and is the desired amount.

As the security target, a desired security amount when death occurs in the first year can be used. The desired security amount in the first year corresponds to the cost of living up to life expectancy in the event of death in the first year. With this as a security goal, the reduction in living expenses should be deducted so that the same level of living is maintained over time.

[Saving Target] In the present embodiment, the saving target is the input living expenses for retirement. As for the savings target, similarly to the security target, the condition of the customer may be received from the input device 14 and an appropriate retirement cost may be calculated using a formula or table prepared in advance.

The savings target is not limited to the desired living expenses for retirement, but may be other parameters. For example, the desired living expenses that do not include the public pension (a value obtained by subtracting the public pension from the above-mentioned desired living expenses for retirement) may be used. The savings target may be the total amount of savings.

In this embodiment, as shown in FIGS. 9 to 11, a security target (desired family living expenses) and a saving target (retirement desired living expenses) are input. In the case where only the calculation is performed when both are the same, only one input field may be used.

A relationship between one of the two goals and the two goals may be input. The relationship is, for example, a difference or a ratio.
For example, the desired living expenses for retirement are input, and the difference between the desired living expenses for retirement and the desired living expenses for the bereaved is input. The desired living expenses for the bereaved are calculated from the difference.

"Initial Insurance Premium" The first year's insurance premium is
It is determined by multiplying the required security amount for the first year by the insurance rate. The insurance rate is preferably calculated by the insurance plan calculation device 1
It is obtained by referring to the insurance premium rate table stored in “0”. In the insurance rate table, "age at the time of participation"
“Gender”, “Payment period (payment period)”, “Payment count (monthly payment,
Payment method (debit withdrawal, salary withdrawal,
And the insurance premium rate. These parameters are directly input by the user or calculated using numerical values input by the user. From this table, the insurance rate for the target customer is read, and the insurance rate is calculated using the insurance rate.

"Initial Savings Premium" In the insurance plan of this embodiment, the savings premium increases as described above. However, at the stage of starting the repetitive calculation of the insurance plan, the savings insurance premium is provisionally set on the assumption that the savings insurance premium is fixed to a constant value as in the conventional case. At this time, the insurance premium is calculated so that the savings target is achieved as a result of saving at a constant pace. The temporarily set initial savings premium is obtained, for example, as follows.

(1): Calculate the expected savings (expected funding amount) per 10,000 yen (monthly) of insurance premiums (2): The savings amount (funding amount) required to obtain 10,000 yen (monthly) of pension (3): Divide (1) by (2). By this, the monthly pension that can be received at the monthly premium of 10,000 yen is known. (4): Calculate the required monthly pension. (5): Divide (4) by (3). Thereby, the insurance premium is calculated.

Here, the value of (1) is obtained by compound interest calculation using the payment period and the interest rate. The payment period may be input. Further, the payment period may be calculated from the input current age and the payment expiration age (= pension receiving start age, = usually retirement age). The interest rate is set and stored in advance.

In order to obtain the fund rate of (2), a fund rate table that associates “receipt period (fixed for 5 years, fixed for 10 years, lifetime)” and “gender” with the fund rate is referred to. This table is stored in the insurance plan calculation device 10 in advance. The receiving period and gender may be input by the user. The receiving period may be calculated from the current age.

The required pension monthly amount in (4) can be obtained by subtracting the public pension monthly amount from the desired living expenses for retirement. The public pension may be, for example, a standard value obtained from statistical data. This data is stored in the insurance plan calculation device 10 in advance and is referred to.

"Transition of Required Security Amount (Necessary Security Amount)" In the insurance plan of this embodiment, the required security amount decreases with the passage of years as shown in the tables of FIGS. To go. This is because the living expenses in the elapsed period may be subtracted from the security amount. In the calculation process, twelve times (one year's worth) of “monthly desired living expenses for bereaved family-monthly public pension” is subtracted every year. This calculation is based on the following concept.

The required security amount is a value obtained by subtracting the “expected total income” from the “expected total expenditure” until the spouse dies.
In the case of continuing for one year, the amount corresponding to the “expenditure-income” for the one year may be reduced from the initial “expected accumulated expenditure−estimated accumulated income”. Regarding the “expenditure-income” for one year to be reduced, the expenditure is the living expenses of the bereaved family, and the income is the public pension such as the basic pension for the bereaved family and the welfare pension for the bereaved family. Therefore, the above calculation, that is, a calculation of subtracting “bereaved family living expenses-public pension” for 12 months is performed.

In the above calculation, if the public pension is to be obtained in detail, the total data of salaries and the like are required, and the calculation becomes complicated. Therefore, in the present embodiment, an appropriate standard value is applied, and the value is uniformly set over the payment period, thereby simplifying the calculation.

Further, regarding the required security amount, a table indicating the transition of the required security amount may be stored in the insurance plan calculation device 10 in advance. Data representing the transition of the required security amount from the first year of the contract and thereafter is prepared in a table in association with various customer conditions. Referring to this table, the required security amount for each year is read.

As described above, in the entirety of the present embodiment, in the process of calculating the insurance plan, various kinds of information regarding statistical data and customer conditions are appropriately used. The specific information to be used, such as how much detailed information to use about the customer, is appropriately determined according to the applicable insurance specifications, required calculation accuracy, allowable calculation load, etc. May be. Then, the information to be used is stored in the device as needed,
Alternatively, it is calculated from information input or stored by the user or input information. Such information may be appropriately processed according to general insurance-related calculation processing.

Next, referring to FIG. 20, insurance plan calculation unit 3
0 Another embodiment will be described. In the above-described embodiment, first, an insurance plan that achieves the security target and the savings target is calculated, and then an insurance plan that achieves the total premium target is created. On the other hand, in the present embodiment, the insurance plan that achieves the total premium target is calculated immediately without calculating the insurance plan that achieves the security target and the savings target.

In the present embodiment, the premium is set from the beginning so as to achieve the total premium target, and the relationship (balance, distribution) between the two premiums is changed in the loop calculation process. And an insurance plan that has an appropriate relationship between security and savings is required.

In FIG. 20, insurance plan calculation unit 30
Has an initial insurance premium setting unit 32, an initial savings premium setting unit 34, a determination unit 38, and an initial premium changing unit 40, as in the embodiment of FIG.

The initial insurance premium setting unit 32 and the initial insurance premium setting unit 34 set the initial insurance premium 32 and the initial saving insurance premium so as to achieve the total premium target. The total premium target may be input by the user using the input device 12, as described above.

For example, in the present embodiment, at the initial stage, the initial insurance premium and the initial savings premium are set equal. That is, both premiums are set to half of the total premium target. Also, for example, one of the two premiums is set equal to the total premium target, and the other is set to zero. Also, for example, the total premium target is allocated to both premiums with an appropriate difference or ratio.

[0177] The insurance plan calculation unit 36 calculates an insurance plan using the initial premium set as described above. The plan from the first year to the last year of the payment period is sequentially calculated.
The calculation here is as described with reference to FIGS.

The determining unit 38 determines whether the insurance plan calculated by the insurance plan calculating unit 36 is appropriate, that is, determines the validity of the insurance plan. As a criterion for determining validity, the relationship between the savings state and the security state is used. The relationship that serves as this criterion is, for example, the difference or ratio between the cost of living for the elderly obtained from savings and the cost of living for the bereaved family obtained from security. This is referred to as a security savings relationship in the present embodiment.

The security-related savings target is set and stored in the apparatus according to, for example, a user's input.
A security savings relationship according to the customer's condition may be determined and used. At this time, it is also preferable to store a table for associating the customer's condition with an appropriate security saving relationship, and to refer to the table.

The determining section 38 determines whether or not the insurance plan is appropriate, based on whether or not the above-mentioned security-saving-related goal is achieved. When the insurance plan is not appropriate, that is, when the target is not achieved, the initial premium change unit 42 changes the initial premium (allocation), and the plan calculation unit 36 calculates the insurance plan again.

Thus, the change of the initial insurance premium and the calculation of the insurance plan are repeated until the determination unit 38 determines that an appropriate insurance plan has been obtained. As a result, an insurance plan that achieves the goal of the relationship between the savings state and the security state and also achieves the goal of the total premium is created.

According to the above-described embodiment, the insurance plan calculation device of the present invention for calculating an efficient insurance plan can be provided.

In this embodiment, the security target and the saving target need not be set. Therefore, the security target setting unit 24 and the saving target setting unit 26 in FIG. 7 may be omitted.

Next, referring to FIG. 21, insurance plan calculation unit 3
0 Another embodiment will be described. In the present embodiment, the processing for setting the initial insurance premium and the initial saving insurance premium is not particularly limited. These initial premiums may be set appropriately.
Also, the criteria for determining whether the insurance plan is appropriate may be based on the savings target, the total premium target, and the security savings relationship, but other appropriate targets to be achieved by the insurance plan may be used as criteria. Is also good. From such a viewpoint, the present embodiment is:
It can be said that this is a configuration of a general concept including the embodiments of FIGS. 8 and 20 described above.

Referring to FIG. 21, insurance plan calculation unit 30
Has an initial insurance premium setting unit 32, an initial savings premium setting unit 34, a determination unit 38, and an initial insurance premium changing unit 40, as in the embodiments of FIGS.

The initial insurance premium setting unit 32 and the initial saving insurance premium setting unit 34 appropriately set the initial insurance premium and the initial saving insurance premium. The initial insurance premium and the initial savings premium may be appropriate default values. In addition, the initial premium may be set as described with reference to FIG. 8 and as described with reference to FIG. The plan calculation unit 36 calculates an insurance plan using the initial premium set as described above. Premiums from the first year to the last year of the payment period are calculated sequentially. The calculation here is as described above.

The determining unit 38 determines whether the insurance plan calculated by the insurance plan calculating unit 36 is appropriate, that is, determines the validity of the insurance plan. Here, the criterion may be any value that indicates whether or not the insurance plan is appropriate. Preferably, the criterion is a target to be achieved by the insurance plan, and is set by target setting means (not shown). The savings target, security target, and total premium target described above are suitable as criteria.
Note that the target of the criterion is input by, for example, a user,
Also, for example, it is obtained by calculation or reference to a table in the present apparatus.

When the determining unit 38 determines that the insurance plan is not appropriate, the initial premium changing unit 40 changes the initial premium. The initial premium is changed in the direction in which the goal, which is the criterion, is achieved. For example, when the cost of retirement in the insurance plan is lower than the cost of retirement in the savings target,
The initial savings premium will be raised. Both the initial insurance premium and the initial savings premium may be changed to one side. Both premiums may be changed one by one.

The insurance plan calculation unit 36 calculates an insurance plan using the initial premium changed by the initial premium change unit 40. The above processing is repeated until the determination unit 38 determines that an appropriate insurance plan has been obtained. Eventually, you will have an appropriate insurance plan to achieve your goals.

According to the embodiment described above, the insurance plan calculation device of the present invention for calculating an efficient insurance plan can be provided.

The present invention also relates to the insurance plan calculating device,
The invention is not limited to the insurance plan calculation method by computer processing of the same device. Another aspect of the present invention, for example,
A program that causes a computer to implement the above processing may be used. This program may be provided to a user's computer via the Internet. Further, another aspect of the present invention may be a medium recording the above-described program.

"Financial instrument payment plan calculating device"
It can be applied to financial products other than insurance. In this regard,
Next, a financial product payment plan calculation device will be described as an embodiment of the present invention.

The financial product payment plan calculation device is constituted by a computer, similarly to the above-mentioned insurance plan calculation device. In comparison with the insurance plan calculation device, the financial product payment plan calculation device of the present embodiment replaces information to be processed as follows. In other words, guaranteed insurance is replaced by guaranteed financial products, savings insurance is replaced by non-guaranteed financial products, guaranteed insurance premiums are replaced by guaranteed payments, and savings insurance premiums are replaced by non-guaranteed payments. The configuration of the device and the processing method of the computer may be the same as in the above-described embodiment.

Here, the guaranteed financial product is typically insurance, and life insurance such as death insurance is suitable for the present invention. The security financial product may be simple insurance or non-life insurance. Security payments, which are payments for guaranteed financial instruments, are typically insurance premiums.

The non-guaranteed financial product is a non-guaranteed type product in which the paid amount returns in a form close to a certain level. Financial products other than guaranteed financial products generally belong to this type. Non-guaranteed financial products are typically savings-type financial products such as bank deposits. In the case of bank deposits, for example, monthly deposits correspond to non-guaranteed payments, which are payments for non-guaranteed financial instruments.

[0196] Investment-type financial products are also included in non-security-type financial products. In fact, the difference between savings-type financial products and investment-type financial products is whether the security is high or not, in other words, the risk is small or large. Some financial products are in between. These are included in the non-guaranteed financial products of the present invention.

From the viewpoint of the present invention, the investment-type financial product has a savings property as compared with the security-type financial product, because the paid-in amount returns in a form close to that. Therefore, in the present invention, investment-type financial products may be considered as a kind of savings-type financial products. further,
Based on the same concept, such saving-type and investment-type financial products may be collectively referred to as accumulation-type financial products. The same applies to the intermediate type between the investment type and the savings type.

Further, savings-type insurance such as annuity will be considered as being included in non-guaranteed financial products in the present invention since the paid amount will return.

Other non-guaranteed financial products include, for example, non-life insurance funded accident insurance, investment trusts, medium-term government bond funds, and postal savings.

[0200] In the above-described embodiment, the increase in the savings-type insurance operation is used for the plan calculation. In the present embodiment, the increased money is, for example, interest in a bank deposit. Of course, when the non-guaranteed financial product is savings type insurance, the increase may be an increase in insurance management.

Further, the security target in the above embodiment,
In the present embodiment, as the targets such as the savings target and the total premium target, a target adapted to the applied financial product is used. In the present embodiment, for the above three goals, terms such as a security goal, an accumulation goal, and a total paid-in goal are used. Further, as for other various numerical values and the like appearing in the above-described embodiment, in the present embodiment, a numerical value or the like suitable for the applied financial product may be appropriately used.

[0202] The guaranteed financial product and the non-guaranteed financial product may be products belonging to the same financial institution. For example, the present invention may be applied to a combination of the guaranteed insurance and the bank deposit when the bank sells the protected insurance.

[0203] The guaranteed financial product and the non-guaranteed financial product may be products belonging to different financial institutions. For example, the present invention may be applied to a combination of an annuity by a life insurance company and a bank deposit by a bank. At this time, for example,
The payment is paid to one financial institution, a part of which is transferred to the other financial institution, and the corresponding computer processing is performed.

The financial product payment plan calculation device according to the present embodiment has been described above. As is clear from the above description, the present embodiment includes the insurance plan calculation device. And the same advantage as the insurance plan calculation device is obtained.

Further, the present invention is not limited to the above-described financial product payment plan calculating apparatus and the financial product payment plan calculating method by computer processing of the same. Another embodiment of the present invention may be, for example, a program for causing a computer to execute the processing of the present embodiment. This program
It may be provided to the user's computer via the Internet. Further, another aspect of the present invention may be a medium recording the above-described program.

[0206]

As described above, according to the present invention, an efficient insurance plan is required. That is, it is possible to provide a device that calculates an appropriate insurance plan that changes the insurance premium with the passage of time so that appropriate savings and security can be obtained with a smaller insurance premium.

According to the present invention, an efficient payment plan for a financial product is required. That is, it is possible to provide a device that calculates an appropriate payment plan that changes the payment with time so that appropriate savings and the like can be obtained with less payment.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating a calculation process of an insurance plan by a insurance plan calculation device according to the present invention in which a savings amount is considered as a part of a security amount.

FIG. 2 is a diagram illustrating a calculation process of an insurance plan by the insurance plan calculation device of the present invention.

FIG. 3 is a diagram showing the insurance plan calculation process shown in FIG. 1 in comparison with a conventional insurance plan calculation process.

FIG. 4 is a diagram illustrating a calculation process of an insurance plan in which an increase in the savings amount is considered as a part of the security amount in FIG.

FIG. 5 is a diagram illustrating an insurance plan calculation process for changing an insurance premium in accordance with a decrease in the required security amount with time by the insurance plan calculation device of the present invention.

FIG. 6 is a diagram for explaining an insurance plan calculation process in which a savings amount is further assumed as a part of a security amount, in comparison with FIG. 5;

FIG. 7 is a diagram showing an insurance plan calculation device according to a preferred embodiment of the present invention.

FIG. 8 is a diagram showing a configuration of an insurance plan calculation unit in the device of FIG. 7;

FIG. 9 is a diagram showing an insurance plan at the stage when the first loop calculation is performed in the calculation of the insurance plan.

10 is a diagram illustrating a state in which an insurance plan that achieves a savings target and a security target has been obtained by continuing a loop calculation following the calculation in FIG. 9;

FIG. 11 shows a loop calculation following the calculation of FIG.
It is a figure showing the state where the insurance plan which achieves the total premium target was obtained.

FIG. 12 is a diagram illustrating an initial part of an insurance premium payment period in FIG. 9 for explaining the calculation processing in FIG. 9;

13 is a graph showing the insurance plan obtained as a result of the calculation shown in FIG. 11, and is a diagram showing a change in the distribution of the insurance premium and the savings premium.

FIG. 14 is a graph showing the insurance plan resulting from the calculation in FIG. 11 and showing changes in the insurance premium and the savings premium.

FIG. 15 is a diagram showing a graph of the insurance plan obtained as a result of the calculation in FIG. 11, and showing a change in the required security amount.

FIG. 16 is a diagram showing an insurance plan at the stage when the first loop calculation is performed in the calculation of the insurance plan when the security target and the savings target are different.

FIG. 17 shows a loop calculation following the calculation in FIG.
It is a figure showing the state where the insurance plan which achieves a savings target and a security target was obtained.

FIG. 18 shows a loop calculation following the calculation of FIG.
It is a figure showing the state where the insurance plan which achieves the total premium target was obtained.

19 is a flowchart showing the operation of the insurance plan calculation device in FIG.

20 is a diagram illustrating another configuration example of the insurance plan unit in the insurance plan calculation device of FIG. 7;

21 is a diagram showing another example of the configuration of the insurance plan section in the insurance plan calculation device of FIG. 7;

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Insurance plan calculation device 12 Input device 14 Output device 20 Input / output processing part 22 Payment period setting part 24 Security target setting part 26 Savings target setting part 28 Total premium target setting part 30 Insurance plan calculation part 32 Initial security premium setting part 34 Initial savings premium setting part 36 Planning calculation part 38 Judgment part 40 Initial premium changing part 42 Target changing part

Claims (68)

[Claims] Claims: 1. An insurance plan calculation device that is used to determine the amount of life insurance premiums and that calculates an insurance plan representing premiums to be paid at each time point along a time axis. Insurance plan calculation means for calculating an insurance plan of a savings premium which is a premium for savings and an insurance premium for savings type insurance, wherein the insurance plan calculating means has a role of guaranteeing the savings amount by the savings insurance premium. As a savings use guarantee type insurance plan, at each point on the time axis, the savings insurance premium is reduced by assuming the savings amount accumulated by the savings insurance premium up to that point as a part of the security amount at that time, The savings insurance premium is increased by passing the decrease in the insurance premium to the savings insurance premium, and an insurance plan is calculated in which the reduction in the security insurance premium and the increase in the savings insurance premium are applied to each point in the insurance premium payment period. This Insurance plan calculating device according to claim. 2. The insurance plan calculation device according to claim 1, wherein the insurance plan calculation means further includes, as the savings use security type insurance plan, an operation increase obtained from a savings amount as a part of the security amount. An insurance plan calculation device for calculating an insurance plan in which the insurance premium is reduced by estimating the insurance premium, and the reduced insurance premium is used as the savings insurance premium to increase the savings insurance premium. 3. The insurance plan calculation device according to claim 1, wherein the insurance plan calculation means is configured to execute the savings and usage guarantee type insurance plan and further decrease the required security amount with time. An insurance plan calculation device for calculating an insurance plan in which a savings insurance premium is increased by reducing a security insurance premium in accordance with the amount of the savings insurance premium and applying the reduced amount of the security insurance premium to the savings insurance premium. 4. An insurance plan calculation device, which is used to determine the amount of life insurance premiums and calculates an insurance plan representing insurance premiums to be paid at each time point along a time axis, comprising: Insurance plan calculation means for calculating an insurance plan of a savings premium which is a premium for savings and an insurance premium for savings-type insurance, wherein the insurance plan calculating means responds to a decrease with time of the required security amount. An insurance plan calculation device for calculating an insurance plan in which a savings insurance premium is increased by reducing a security insurance premium and then applying the decrease in the security insurance premium to a savings insurance premium. 5. The insurance plan calculation device according to claim 1, wherein a total of the insurance premium and the savings insurance premium is maintained, and the insurance plan in which the distribution of the insurance premium changes is calculated. Characteristic insurance plan calculation device. 6. The insurance plan calculation device according to claim 1, wherein a security goal setting means for setting a security goal related to a living level based on security, and a saving target related to a living level based on saving. Savings target setting means for setting, wherein the insurance plan calculating means obtains a security amount required to achieve the security goal at each time point on the time axis, and achieves the savings goal. An insurance plan calculation device, which calculates an insurance plan in which the total amount of savings is obtained by stacking savings insurance premiums. 7. The insurance plan calculation device according to claim 6, further comprising: a total premium target setting means for setting a total premium target which is a target of a total premium of a security premium and a saving premium. The plan calculating means, when the total premium when the insurance plan that achieves the security target and the savings target is obtained is different from the total premium target, calculates the total premium target with the security premium and the savings premium. An insurance plan calculation device, wherein an insurance plan to be distributed is obtained. 8. A total premium target setting means for setting a total premium target, which is a target of a total premium of a security premium and a savings premium, in the insurance plan calculation device according to any one of claims 1 to 5. The insurance plan calculation device, wherein the insurance plan calculation means calculates an insurance plan that achieves the total premium target. 9. The insurance plan calculation device according to claim 1, wherein said insurance plan calculation means sets an initial insurance premium and an initial savings premium in a payment period. Planning means for obtaining the insurance plan by sequentially obtaining the insurance premium and the savings premium at each point in time along the time axis with the initial insurance premium and the initial savings premium as a starting point. And determining means for determining whether the insurance plan calculated by the plan calculating means is appropriate. Calculating an insurance plan by changing at least one of an initial insurance premium and an initial savings premium. An insurance plan calculation device, wherein an insurance plan determined to be appropriate is obtained by repeating processing. 10. The insurance plan calculation device according to claim 9, wherein a security target setting means for setting a security target related to a living level by security, and a saving target setting for setting a saving target related to a living level by saving. And an insurance plan calculation device, wherein the insurance plan calculation means obtains an insurance plan that achieves the security target and the savings target. 11. The insurance plan calculation device according to claim 10, wherein the initial insurance premium setting unit calculates the initial insurance premium,
At the beginning of the payment period, set the amount to achieve the security target, the determination means determines whether the insurance plan is appropriate based on whether the savings target is achieved by the insurance plan calculated by the plan calculation means. An insurance plan calculation device characterized by determining. 12. The insurance plan calculation device according to claim 10, further comprising: a total premium target setting means for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. The insurance plan calculation device, wherein the insurance plan calculation means obtains an insurance plan that achieves the security target and the savings target, and further obtains an insurance plan that achieves a total premium target. 13. The insurance plan calculating apparatus according to claim 12, wherein the insurance plan that achieves the total premium target while maintaining the relationship between the life level of security and saving in the insurance plan that achieves the security target and the saving target. An insurance plan calculation device characterized by obtaining a plan. 14. The insurance plan calculation device according to claim 9, further comprising: a total premium target setting means for setting a total premium target which is a target of a total premium of a security premium and a saving premium. An insurance plan calculation device, wherein the plan calculation means obtains an insurance plan that achieves the total premium target by repeating a process of calculating the insurance plan. 15. The insurance plan calculation device according to claim 14, wherein the initial premium setting unit sets an initial insurance premium and an initial savings premium so as to achieve the total premium target. The plan calculating means repeatedly calculates the insurance plan while changing the distribution of the initial insurance premium and the initial savings premium while maintaining the total of the initial insurance premium and the initial savings premium at the total premium target. An insurance plan calculation device for obtaining an insurance plan determined to be appropriate based on a relationship between a living level based on security and a living level based on savings. 16. A computer processing method for calculating an insurance plan used to determine the amount of life insurance premiums and representing insurance premiums to be paid at each time point along a time axis, comprising: An insurance plan calculation step of calculating an insurance plan of a security insurance premium, which is a premium, and a savings insurance premium, which is an insurance premium of a savings type insurance. As a savings use security type insurance plan, at each time point on the time axis, the insurance premium is reduced by assuming the savings amount accumulated by the savings insurance fee up to that point as a part of the security amount at that time The savings insurance premium is increased by transferring the decrease in the insurance premium to the savings insurance premium, and the reduction in the security insurance premium and the increase in the savings insurance premium are applied to each point of the insurance premium payment period. And calculates the insurance plan, a computer processing method for insurance plan calculating. 17. The computer processing method for calculating an insurance plan according to claim 16, wherein the insurance plan calculation step further includes, as the savings-use-guaranteed insurance plan, further increasing an operation increase obtained from a savings amount. A computer for calculating an insurance plan, wherein the insurance plan is calculated by reducing the insurance premium by assuming it as a part of the insurance plan, and calculating the insurance plan by increasing the savings insurance premium by passing the decrease in the security insurance premium to the savings insurance premium. Processing method. 18. The computer processing method for calculating an insurance plan according to claim 16, wherein in the insurance plan calculating step, the savings and usage guarantee type insurance plan is further used to determine the time lapse of the required security amount. A computer processing method for calculating an insurance plan, comprising: reducing an insurance premium according to the accompanying decrease, and calculating an insurance plan in which the savings insurance premium is increased by passing the decrease in the security insurance premium to the savings insurance premium. . 19. A computer processing method for calculating an insurance plan used to determine the amount of life insurance premiums and representing insurance premiums to be paid at each time point along a time axis, comprising: An insurance plan calculation step of calculating an insurance plan of a security insurance premium which is a premium and a savings insurance premium which is an insurance premium of a savings type insurance, wherein in the insurance plan calculation step, the required security amount decreases with time. A computer processing method for calculating an insurance plan, wherein the insurance plan is calculated in such a manner that the insurance premium is reduced, and the reduced insurance premium is used as the savings insurance premium to thereby increase the savings insurance premium. 20. The computer processing method for calculating an insurance plan according to any one of claims 16 to 19, wherein the total of the insurance premium and the savings insurance premium is maintained, and the insurance plan in which the distribution of the two insurance premiums changes is calculated. A computer processing method for calculating an insurance plan. 21. The computer processing method for calculating an insurance plan according to any one of claims 16 to 20, wherein a security target setting step of setting a security target related to a life level based on security, and a security target related to a life level based on savings. A savings target setting step of setting a savings target.In the insurance plan calculation step, a security amount required to achieve the security goal is obtained at each time on a time axis, and the savings target A computer processing method for calculating an insurance plan, comprising calculating an insurance plan in which the total amount of savings that achieves the above is obtained by stacking savings premiums. 22. A computer processing method for calculating an insurance plan according to claim 21, further comprising a total premium target setting step of setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. In the insurance plan calculation step, when the total premium when obtaining the insurance plan that achieves the security target and the savings target is different from the total premium target, the total premium target is A computer processing method for calculating an insurance plan, wherein an insurance plan to be distributed by insurance premiums is obtained. 23. The computer processing method for calculating an insurance plan according to any one of claims 16 to 20, wherein the total premium for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. A computer processing method for calculating an insurance plan, comprising a goal setting step, wherein the insurance plan calculation step calculates an insurance plan that achieves the total premium target. 24. The computer processing method for calculating an insurance plan according to any one of claims 16 to 20, wherein the insurance plan calculating step comprises the steps of: setting an initial insurance premium and an initial savings insurance premium in a payment period. An insurance premium setting step; obtaining the insurance plan by sequentially obtaining the insurance premium and the saving insurance premium at each point in time along the time axis with the initial insurance premium and the initial saving insurance premium as starting points. A plan calculating step, and a determining step of determining whether the insurance plan calculated by the plan calculating step is appropriate. The insurance plan is changed by changing at least one of the initial insurance premium and the initial savings premium. A computer processing method for calculating an insurance plan, wherein an insurance plan determined to be appropriate is obtained by repeating a process of calculating the insurance plan. 25. The computer processing method for calculating an insurance plan according to claim 24, wherein a security goal setting step for setting a security goal related to a life level based on security, and a saving target related to a life level based on saving are set. A savings target setting step, wherein the insurance plan calculating step obtains an insurance plan that achieves the security target and the savings target. 26. The computer processing method for calculating an insurance plan according to claim 25, wherein, in the initial insurance premium setting step, the initial insurance premium is reduced to an amount for achieving the security target at the beginning of a payment period. In the determining step, it is determined whether or not the insurance plan is appropriate based on whether or not the savings target is achieved by the insurance plan calculated in the plan calculating step. Method. 27. The computer processing method for calculating an insurance plan according to claim 25 or 26, wherein a total premium target setting step of setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. In the insurance plan calculation step, after obtaining an insurance plan that achieves the security target and the savings target, further, obtaining an insurance plan that achieves a total premium target, a computer for calculating an insurance plan, Processing method. 28. The computer processing method for calculating an insurance plan according to claim 27, wherein a relationship between a security level and a living level of savings in the insurance plan for achieving the security target and the savings target is maintained, and a total premium target is set. A computer processing method for calculating an insurance plan, comprising determining an insurance plan to be achieved. 29. The computer processing method for calculating an insurance plan according to claim 24, further comprising a total premium target setting step of setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. In the insurance plan calculation step, an insurance plan calculation method is characterized in that an insurance plan that achieves the total premium target is obtained by repeating a process of calculating an insurance plan. 30. The computer processing method for calculating an insurance plan according to claim 29, wherein in the initial premium setting step, an initial insurance premium and an initial savings premium are set so as to achieve the total premium target. In the insurance plan calculation step, while maintaining the total of the initial insurance premium and the initial savings premium at the total premium target, changing the distribution of the initial insurance premium and the initial savings premium, A computer processing method for calculating an insurance plan, wherein the calculation is repeated to obtain an insurance plan that is determined to be appropriate based on a relationship between a living level based on security and a living level based on savings. 31. A computer-executable computer-executable process for calculating an insurance plan that is used to determine the amount of life insurance premiums and that represents insurance premiums to be paid at each point along a time axis. An insurance plan calculation program, which causes the computer to perform an insurance plan calculation process of calculating an insurance plan of a security insurance premium, which is insurance premium of protection insurance, and a savings insurance premium, which is insurance premium of savings insurance, In the insurance plan calculation process, as a savings use guarantee type insurance plan in which the savings amount by the savings insurance premium is given a role of security, at each time point on the time axis, the savings amount by the accumulation of the savings insurance fee up to that time point As a part of the security amount at that time, the insurance premium is reduced, and the decrease in the insurance premium is used for the savings insurance premium to increase the savings insurance premium. Fee reduction and the savings premium is calculated applying the insurance plan to the computer each time premium payment period increase, insurance plan calculation program characterized by the. 32. The insurance plan calculation program according to claim 31, wherein, in the insurance plan calculation processing, the savings usage guarantee type insurance plan further includes an operation increase obtained from a savings amount as one of the security amounts. A program for calculating an insurance plan, wherein the computer calculates an insurance plan in which the insurance premium is reduced by reducing the security insurance premium by assuming that the insurance premium is reduced, and increasing the savings insurance premium by passing the decrease in the security insurance premium to the savings insurance premium. . 33. The insurance plan calculation program according to claim 31, wherein in the insurance plan calculation processing, the savings use security type insurance plan is further reduced with the lapse of time of the required security amount. An insurance plan calculation program characterized by causing a computer to calculate an insurance plan in which the savings premium is increased by reducing the security insurance premium in accordance with (i) and by passing the decrease in the security insurance premium to the savings insurance premium. 34. A computer-executable computer-executable process for calculating an insurance plan, which is used to determine the amount of life insurance premiums and represents insurance premiums to be paid at each point along a time axis. An insurance plan calculation program, which causes the computer to perform an insurance plan calculation process of calculating an insurance plan of a security insurance premium, which is insurance premium of protection insurance, and a savings insurance premium, which is insurance premium of savings insurance, In the insurance plan calculation process, the insurance premium is reduced by reducing the insurance premium in accordance with the decrease of the required security amount with time, and increasing the savings insurance premium by passing the decrease in the security insurance premium to the savings insurance premium. An insurance plan calculation program characterized by causing a computer to calculate a plan. 35. The insurance plan calculation program according to claim 31, wherein the computer calculates an insurance plan in which the total of the insurance premium and the savings insurance premium is maintained and the distribution of both premiums changes. A program for calculating an insurance plan, wherein 36. The insurance plan calculation program according to any one of claims 31 to 35, wherein a security target setting process for setting a security target related to a life level by security, and a saving target related to a life level by saving. And a savings target setting process of setting the computer to perform the insurance plan calculation process. In the insurance plan calculation process, a security amount required to achieve the security target is obtained at each time on a time axis, and the savings An insurance plan calculation program characterized by causing a computer to calculate an insurance plan in which the total amount of savings to achieve a target is obtained by stacking savings insurance premiums. 37. The insurance plan calculation program according to claim 36, wherein a total premium target setting process for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium is executed on the computer. In the insurance plan calculation process, when the total premium when obtaining the insurance plan that achieves the security target and the savings target is different from the total premium target, the total premium target is defined as the security premium. An insurance plan calculation program characterized by causing a computer to calculate an insurance plan to be distributed by saving insurance premiums. 38. The insurance plan calculation program according to claim 31, wherein a total premium target setting is performed for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. An insurance plan calculation program characterized by causing a computer to execute processing, and in the insurance plan calculation processing, causing the computer to calculate an insurance plan that achieves the total premium target. 39. The insurance plan calculation program according to claim 31, wherein the insurance plan calculation process comprises: setting an initial insurance premium and an initial savings premium in a payment period. Setting processing, starting from the initial insurance premium and the initial savings premium, sequentially calculating the insurance premium and the savings premium at each point in time along the time axis, and calculating the plan to obtain an insurance plan Determining whether the insurance plan calculated by the plan calculation process is appropriate or not, and calculating an insurance plan by changing at least one of the initial insurance premium and the initial savings premium. A program for calculating an insurance plan characterized by causing a computer to calculate an insurance plan determined to be appropriate by repeating the processing to be performed. 40. The insurance plan calculation program according to claim 39, wherein: a security target setting process for setting a security target related to a living level by security; and a saving target for setting a saving target related to a living level by saving. An insurance plan calculation program characterized by causing a computer to perform a setting process and an insurance plan calculation process, wherein the insurance plan calculation process causes a computer to calculate an insurance plan that achieves the security target and the savings target. 41. The insurance plan calculation program according to claim 40, wherein in the initial insurance premium setting process, the initial insurance premium is set to an amount that achieves the security target at the beginning of a payment period. In the determining process, it is determined whether the insurance plan is appropriate based on whether or not the savings target is achieved by the insurance plan calculated by the plan calculating process. Calculation program. 42. The insurance plan calculation program according to claim 40, wherein the total premium target setting process for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium. In the insurance plan calculation process, an insurance plan that achieves the security target and the savings target is obtained, and then an insurance plan that achieves the total premium target is calculated by a computer. Plan calculation program. 43. The insurance plan calculation program according to claim 42, wherein the relationship between the life level of security and savings in the insurance plan for achieving the security target and the savings target is maintained, and the total premium target is achieved. An insurance plan calculation program characterized by causing a computer to calculate an insurance plan. 44. The insurance plan calculation program according to claim 39, wherein a total premium target setting process for setting a total premium target which is a target of the total premium of the insurance premium and the savings premium is executed on the computer. In the insurance plan calculation process, a computer calculates an insurance plan that achieves the total premium target by repeating a process of calculating an insurance plan. 45. The insurance plan calculation program according to claim 44, wherein, in the initial premium setting processing, an initial insurance premium and an initial savings premium are set so as to achieve the total premium target. In the insurance plan calculation process, the insurance plan calculation is performed while changing the distribution of the initial insurance premium and the initial savings premium while maintaining the total of the initial insurance premium and the initial savings premium at the total premium target. An insurance plan calculation program for causing a computer to repeatedly obtain an insurance plan determined to be appropriate based on a relationship between a life level based on security and a life level based on savings. 46. A computer-readable recording medium recording the insurance plan calculation program according to claim 31. 47. A financial instrument payment plan calculation device for calculating a payment plan to be paid at each time point along a time axis, which is used to determine the amount of payment for a financial instrument, A payment plan calculating means for calculating a payment plan of a non-guaranteed payment which is a payment for a non-guaranteed financial instrument and a non-guaranteed payment which is a payment for a non-guaranteed financial instrument. As a payment plan of the use of accumulated money, which has the role of security, the accumulated amount of non-guaranteed payments accumulated up to that time at each time point on the time axis is considered as a part of the security amount at that time In this way, the security payment is reduced, the non-security payment is reduced, and the non-security payment is increased to increase the non-security payment. Payment period Financial Instruments payment plan calculating unit and calculates the payment plan is applied to a point. 48. The financial product payment plan calculation device according to claim 47, wherein the payment plan calculation means further includes, as the payment use guarantee type payment plan, an additional amount obtained from the accumulated amount of the security amount. A financial product payment plan characterized by calculating the payment plan in which the security payment is reduced by anticipating as a part, and the non-guaranteed payment is increased by transferring the decrease in the security payment to the non-security payment. Calculation device. 49. The financial product payment plan calculation device according to claim 47 or 48, wherein the payment plan calculation means is further configured to execute the storage money use security type payment plan, and to further calculate the required security amount over time. Financial instrument payment plan calculation, characterized in that the security payment is reduced according to the accompanying decrease, and the non-guaranteed payment is increased by increasing the non-guaranteed payment by applying the reduced security payment to the non-guaranteed payment. apparatus. 50. A financial instrument payment plan calculation device which is used to determine the amount of payment for a financial instrument and calculates a payment plan representing a payment to be paid at each time point along a time axis. Payment plan calculation means for calculating a payment plan for a security payment which is a payment for the non-guaranteed payment which is a payment for a non-guaranteed financial instrument, and wherein the payment plan calculation means calculates a time for the required security amount. Payment of financial instruments characterized by calculating a payment plan in which the amount of non-guaranteed payments is reduced by reducing the amount of security payments in accordance with the passage of time and increasing the amount of non-guaranteed payments to non-guaranteed payments Plan calculation device. 51. The financial product payment plan calculation device according to claim 47, wherein said non-guaranteed financial product is a savings type financial product or an investment type financial product. Plan calculation device. 52. The financial product payment plan calculation device according to claim 47, wherein a total of the security payment and the non-security payment is maintained, and a payment plan in which the distribution of the two payments changes is calculated. A financial product payment plan calculation device. 53. The financial product payment plan calculation device according to claim 47, wherein the payment plan calculation means sets an initial security payment and an initial non-security payment in a payment period. Payment setting means, and starting with the initial security payment and the initial non-security payment as a starting point, sequentially seeking the security payment and the non-security payment at each time point along the time axis, and planning the payment. And a determination means for determining whether the payment plan calculated by the plan calculation means is appropriate, and changing at least one of the initial security payment and the initial non-security payment. A payment plan determined to be appropriate by repeating a process of calculating a payment plan by calculating the payment plan. 54. A computer processing method for calculating a payment plan used to determine the amount of payment of a financial instrument and representing a payment to be paid at each point along a time axis, comprising: A payment plan calculation step of calculating a payment plan of a security payment which is a payment and a non-security payment which is a payment of a non-guaranteed financial instrument; As a payment plan of the use of accumulated money that has the role of security, at each time point on the time axis, the accumulated amount of accumulated non-guaranteed payments up to that time should be considered as a part of the security amount at that time To reduce non-guaranteed payments, and increase non-guaranteed payments by transferring the decrease in security payments to non-guaranteed payments. And calculates the payment plan is applied to each point of the payment period, a computer processing method for financial instruments payment plan calculation. 55. The computer processing method for calculating a financial product payment plan according to claim 54, wherein, in the payment plan calculation step, an increased amount obtained from an accumulated amount is further used as the accumulated amount use guarantee type payment plan. A financing characterized by calculating the payment plan in which the security payment is reduced by assuming it as a part of the security amount, and the non-security payment is increased by applying the decrease in the security payment to the non-security payment. Computer processing method for calculating the product payment plan. 56. The computer processing method for calculating a financial instrument payment plan according to claim 54 or 55, wherein, in the payment plan calculation step, the required amount of security is further set as the payment plan of the storage money use security type. A financial product characterized by calculating a payment plan in which the amount of non-guaranteed payments is reduced by reducing the amount of security payments in accordance with the passage of time, and the reduced amount of security payments is used for non-guaranteed payments. Computer processing method for calculating the payment plan. 57. A computer processing method for calculating a payment plan that is used to determine the amount of payment for a financial instrument and represents a payment to be paid at each time point along a time axis, comprising: A payment plan calculating step of calculating a payment plan of a security payment which is a payment and a non-guaranteed payment which is a payment of a non-guaranteed financial instrument. The payment plan for financial instruments is characterized in that the security payment is reduced in accordance with the decrease and the reduction in the security payment is converted to the non-guaranteed payment to calculate a payment plan in which the non-security payment is increased. Computer processing method of calculation. 58. The computer processing method according to claim 54, wherein said non-guaranteed financial product is a savings type financial product or an investment type financial product. Computer processing method for calculating financial instrument payment plan. 59. The computer processing method according to claim 54, wherein the total of the security payment and the non-security payment is maintained, and the distribution of the two payments changes. A computer processing method for calculating a financial product payment plan, comprising calculating a plan. 60. The computer processing method for calculating a financial instrument payment plan according to any one of claims 54 to 59, wherein said payment plan calculation step includes: an initial security payment and an initial non-security payment in a payment period. The initial payment setting step to be set, and the security payment and the non-guaranteed payment at each time point are sequentially obtained along the time axis, starting from the initial security payment and the initial non-guaranteed payment. A plan calculation step of obtaining a payment plan, and a determination step of determining whether the payment plan calculated by the plan calculation step is appropriate. At least one of an initial security payment and an initial non-security payment Is repeated to repeat the process of calculating the payment plan, thereby obtaining a payment plan determined to be appropriate. Computer processing method. 61. A computer-executable computer-executable process that is used to determine the amount of a payment for a financial instrument and that causes the computer to calculate a payment plan representing a payment to be paid at each point along a time axis. A program for calculating a payment plan for a financial product, wherein the computer calculates a payment plan for a security payment, which is a payment for a security-type financial product, and a non-guaranteed payment, which is a payment for a non-security-type financial product. In the payment plan calculation processing, as a storage use guarantee type payment plan in which the accumulated amount of the non-guaranteed payment has a role of security, at each time point on the time axis, up to that time point Non-guaranteed payments are reduced by assuming the accumulated amount of non-guaranteed payments as part of the security amount at that time, and reducing the security payments to non-guaranteed payments. Increasing a paid-in amount, and causing a computer to calculate a paid-out plan in which the reduced amount of the guaranteed paid-in amount and the increased amount of the non-guaranteed paid amount are applied to each time of the paid-in payment period. Program. 62. The financial product payment plan calculation program according to claim 61, wherein, in the payment plan calculation processing, an increase obtained from a storage amount is further included as the security amount as a payment plan of a security type using the storage amount. Finance that reduces the amount of security payments by assuming it as part of the security payment, and allows the computer to calculate a payment plan that increases the amount of non-security payments by transferring the decrease in security payments to non-security payments Product payment plan calculation program. 63. The financial product payment plan calculation program according to claim 61 or 62, wherein in the payment plan calculation processing, a time lapse of the required security amount is further performed as the payment use guarantee type payment plan. Financial products characterized in that the security payment is reduced in accordance with the decrease and the computer is used to calculate a payment plan in which the non-guaranteed payment is increased by passing the reduced security payment to the non-guaranteed payment. Payment plan calculation program. 64. A computer-executable computer-executable process that is used to determine the amount of a payment for a financial instrument and that causes the computer to calculate a payment plan representing a payment to be paid at each time point along a time axis. A program for calculating a payment plan for a financial product, wherein the computer calculates a payment plan for a security payment, which is a payment for a security-type financial product, and a non-guaranteed payment, which is a payment for a non-security-type financial product. In the payment plan calculation process, the security payment is reduced in accordance with the decrease of the required security amount with the passage of time, and the reduction in the security payment is transferred to the non-security payment. A program for calculating a financial product payment plan, wherein the computer calculates a payment plan with the security payment increased. 65. The financial product payment plan calculation program according to claim 61, wherein the non-guaranteed financial product is a savings type financial product or an investment type financial product. Payment plan calculation program. 66. The financial product payment plan calculation program according to claim 61, wherein the total of the security payment and the non-security payment is maintained and the distribution of the two payments changes. A financial product payment plan calculation program characterized by causing a computer to calculate. 67. The financial product payment plan calculation program according to any one of claims 61 to 66, wherein the payment plan calculation processing process sets an initial security payment and an initial non-security payment in a payment period. Initial payment setting processing, and starting from the initial security payment and the initial non-security payment, sequentially seeking along the time axis the security payment and the non-security payment at each point in time. A plan calculation process for obtaining a payment plan, and a determination process for determining whether the payment plan calculated by the plan calculation process is appropriate, including at least one of an initial security payment and an initial non-security payment. A program for calculating a payment plan of a financial product, wherein the computer calculates a payment plan determined to be appropriate by repeating a process of changing and calculating a payment plan. 68. A computer-readable recording medium recording the financial product payment plan calculation program according to any one of claims 61 to 67.