JP2021092966A - Insurance comparison method, insurance comparison system, program for executing insurance comparison method, and storage medium storing program thereof - Google Patents

Abstract

To provide an insurance comparison system that can be utilized for selecting or comparing corporate insurance as tax measures for corporate tax.SOLUTION: A system consists of a server system 10 comprised with a database 18b which is connectable with an input output terminal 30 over an internet, and in which insurance product data provided by a plurality of insurance companies is associated and stored with a deductible expense ratio, comprising: input screen display means 11 for displaying, above display means 31 of the input output terminal 30, an input screen 50 to which an extraction condition including the deductible expense ratio is inputted; insurance product extraction means 12 for searching and extracting corresponding insurance products within the database 18b in accordance with the extraction condition including the deductible ratio inputted over the input screen 50; and insurance product list creation means 13 for creating an insurance product list 56 in which each extracted insurance product is displayed in a list along with prescribed comparison information including the deductible ratio, and displaying thereof at the display means 31 of the input output terminal 30.SELECTED DRAWING: Figure 2

Description

The present invention relates to an insurance comparison method, an insurance comparison system, a program for executing the insurance comparison method, and a storage medium for storing the program. When considering taking out insurance (including relatives of these persons) as an insured person (referred to as "corporate insurance" in this specification), the conditions specified from among the insurance handled by multiple insurance companies. The present invention relates to an insurance comparison method for extracting and comparing insurance products conforming to the above, an insurance comparison system, a program for causing a server system to execute the insurance comparison method, and a storage medium storing the program.

The choice of insurance to take out as a preparation for financial instability caused by accidents such as illness or death usually depends on the type of accident to be prepared (for example, illness or death) and the type of insurance (for example, medical insurance, death). Insurance, etc.) is selected, and the insurance provided by each insurance company, such as the coverage and amount of insurance premiums, is based on the balance between the possible economic loss and the financial burden (insurance premiums) that can be spent. It is done by comparing based on.

Therefore, if you try to select the most suitable insurance product from each insurance company, select the insurance type according to the purpose, and the pamphlet or design from each insurance company that handles the selected type of insurance. By ordering materials such as pamphlets, the contents of the insurance and the amount of the premium will be compared, the thickness of the insurance and the amount of the premium paid will be weighed, and the insurance to be insured will be selected.

However, it takes a huge amount of time and effort to compare the various types of insurance sold by multiple insurance companies and select the most suitable one, and it differs from one insurance company to another. Since it is necessary to compare materials and data such as design documents output in the form and the work is complicated, a system to support the comparison and selection of insurance products across multiple insurance companies like this. Has also been proposed.

As such a system, in Patent Document 1 described later, the amount of future life insurance required by the customer (insured person) is calculated based on the customer (insured person) information input on the terminal. Then, among the insurance products of multiple insurance companies, the insurance products that satisfy the above calculation results are initially selected, and among the initially selected insurance products, the insurance products that meet the customer's request input from the terminal are finally selected. An insurance product management system has also been proposed that enables the estimation of the amount of payment required for the purchase contract of the initially selected or final selected insurance product (see Patent Document 1).

In addition, an insurance comparison system has been proposed that allows insurance to be compared not only from the perspective of guaranteeing future life but also from the tax system side, and when comparing multiple insurances, the amount of inheritance tax to be paid in the future is calculated. An insurance comparison system has also been proposed that allows the selection of insurance that is advantageous in terms of inheritance tax, and has already been patented (see Patent Document 2).

Japanese Unexamined Patent Publication No. 2005-157914 JP-A-2018-97532

[Disadvantages of prior art]
(1) Patent Document 1
In the insurance product management system described in Patent Document 1 described above, from among the many insurance products provided by a plurality of insurance companies, those that can obtain the insurance amount required for the customer (insured person) can be easily extracted. In terms of comparison, the customer's time and effort spent on insurance selection can be significantly reduced.

However, first-sector insurance such as fixed-term insurance, endowment insurance, and whole life insurance, and third-sector insurance such as medical insurance and income compensation insurance, etc. In the above-mentioned "corporate insurance", not only the aspect of preparing for the risk of accidents, but also as a tax measure tool of the corporation that is the policyholder and / or a large loss that is expected to occur in the corporation in the future. It is also conceivable to use insurance as a tool for financial strengthening in anticipation of the occurrence (for example, the expenditure of a large amount of retirement allowance due to the retirement of officers).

When trying to select or compare insurance for this purpose, not only the coverage and amount of coverage, but also the insurance that is advantageous in terms of tax deferral or financial strengthening may be selected. If an insurance product is initially selected from the viewpoint of the amount of future life insurance required by the customer (insured person), as in the insurance product management system described in 1, the corporation that is the policyholder will be taxed. Insurance, which is advantageous in terms of deferral and financial strengthening, may be excluded from the extraction target at the initial selection stage.

Therefore, the insurance product management system described in Patent Document 1 described above cannot withstand its use when it is assumed that corporate insurance is compared.

(2) Patent Document 2
The insurance comparison system described in Patent Document 2 described above can be used when comparing and selecting insurance that is advantageous in terms of tax system by calculating and displaying the total amount of inheritance tax paid.

However, the insurance comparison system described in Patent Document 2 compares insurance products specially for inheritance tax, and the insurance comparison system described in Patent Document 2 also aims at tax measures for corporate tax. It is not meant to be used when making insurance comparisons.

[Point of focus of the present invention]
In this way, conventional insurance comparison systems that can support the selection of corporate insurance as a tool for tax measures against corporate tax of a corporation that is a contractor or as a tool for the corporation to strengthen its finances. Does not exist.

Therefore, if the inventors of the present invention can provide an insurance comparison system capable of selecting and comparing insurance from the viewpoints of the above-mentioned tax measures for corporate tax and tools for strengthening corporate finances, For example, tax accounting professionals such as accounting firms can now propose to corporate customers to utilize corporate insurance as part of financial planning, and acquire and sell new customers for corporate insurance. I thought it could contribute to the promotion.

Based on the above viewpoints, when the inventors of the present invention further compare the corporate insurances proposed from the above viewpoints, what points may be used to extract and compare the insurances? It was investigated.

As a result, we found the usefulness of comprehensively considering the following information, which was not considered in the past when selecting and comparing insurance.

(1) Loss ratio By taking out corporate insurance, a corporation records a certain percentage of the premiums paid as "loss" in the accounting process, and the amount recorded as this loss is the current period of the corporation. It is possible to reduce the amount of corporate tax levied by reducing the profits of.

Therefore, the ratio of premiums paid that can be deducted (referred to as the "deductible ratio" in this specification) has a large effect on the amount of corporate tax paid by the corporation, so it is an important comparison when considering the corporate insurance to be subscribed. It can be a factor.

In addition, in the past, insurance with a high surrender and repayment rate tended to be selected, but there is also the idea of choosing insurance by limiting the surrender and repayment rate to, for example, 85% or less or 70% or less in consideration of the relationship with the loss ratio. It is happening.

However, in the past, insurance selection and comparison were not made based on the "loss ratio", and therefore, there is no insurance comparison system that extracts and compares insurance products based on the "loss ratio". ..

(2) Cancellation return rate / Peak years of cancellation return rate / Cancellation return rate for a predetermined number of years Focusing on the above-mentioned tax measures for corporate tax due to deductions, those with a high deduction rate, especially the entire amount, should be deducted. At first glance, what can be done seems to be highly effective.

However, insurance with a high loss ratio has a low ratio of the amount of money that can be received as a refund at the time of cancellation (hereinafter referred to as "simple cancellation refund rate" or simply "cancellation refund rate") to the total amount of premiums paid. As a result, the principal may be severely broken, so if insurance is selected based only on the loss ratio, the total amount of assets that can be left on hand may decrease when considered in total.

Therefore, even when selecting insurance for the purpose of tax measures, it is necessary to select and compare insurance in consideration of the relationship between the surrender value and the surrender value rate, without paying attention only to the high deduction rate. Become.

On the other hand, corporate tax may also be levied on the surrender value, so even if the corporate tax for the current period can be reduced by recording the premium paid as a deduction, this reduction is simply In some cases, the payment of corporate tax will be postponed until the time when the surrender value is received.

Therefore, the contract is made by matching the time when the insurance is canceled and the cancellation refund is received with the time when the event occurs (for example, the retirement time of the officer who pays a large amount of severance pay). It should be considered to equalize the income and expenditure of the corporation that will be the person, and not only the surrender value and the high surrender value rate, but also the time when these will be the maximum and the time when the scheduled event will occur. It is also important to compare the surrender value and the surrender value rate.

Here, from before, in each insurance design document, a list of surrender value and surrender value rate for each year of the entire insurance period may be displayed (for example, in Patent Document 2 mentioned above). 2 and 3).

However, insurance can be extracted and compared based on the peak value of the surrender and repayment rates of multiple insurances provided by multiple insurance companies and the timing of their occurrence, and the surrender and repayment rates of each insurance at the time of the event occurrence mentioned above. There is no such insurance comparison system.

In addition, as mentioned above, insurance is not selected and compared based on the "loss ratio", so the surrender and refund rate (simple surrender and refund rate) can be compared based on the design documents and the like. Even so, it is not possible to compare the deferred effects of corporate tax.

(3) CV Gap In the present invention, the difference between the surrender and refund rate (%) for a certain number of years during the insurance period and the surrender and refund rate (%) of the previous year is referred to as “CV gap”.

In term life insurance, the refund rate of surrender value is kept low for a certain period after taking out insurance, but after a certain period of time, the surrender value rate increases sharply. There is something called "insurance".

This insurance has the advantage that the premiums paid are set cheaper than regular term life insurance, but you can receive it before or after the period when the surrender and refund rate is kept low (low surrender and refund period). Since there is a large difference in the amount of surrender value that can be made, the degree of change in the surrender value rate when the low surrender value period or the low surrender value period elapses (CV gap when the low surrender value period elapses) provides insurance. It is important to make a choice.

However, conventionally, the concept corresponding to the above-mentioned CV gap does not exist, and therefore, there is no insurance comparison system that extracts and compares insurance based on the CV gap.

[Purpose of the present invention]
The present invention has been made based on the drawbacks of the prior art as described above and the viewpoints of the inventors, and the selection and comparison of corporate insurance to be used as a tool for corporate tax measures and financial strengthening. Insurance comparison methods and insurance comparisons that can be used in such cases, and therefore can also assist tax accounting professionals such as accounting firms in selecting corporate insurance to propose as part of financial planning for client companies. An object of the present invention is to provide a system, a program for executing the insurance comparison method, and a storage medium for storing the program.

The means for solving the problem are described below together with the reference numerals used in the embodiment of the invention. This reference numeral is for clarifying the correspondence between the description of the claims and the description of the form for carrying out the invention, and needless to say, it is used in a restrictive manner in the interpretation of the technical scope of the present invention. It's not a thing.

In order to achieve the above problems, the insurance comparison method of the present invention is used.
An input / output terminal 30 provided with a display means 31 and
A server system 10 having a database 18b that can be connected to the input / output terminal 30 and stores data of insurance products handled by a plurality of insurance companies in association with a deduction rate is provided.
Basic information of the insured person [gender, date of birth, age, insurance amount received, insured person's basic information, on the display means 31 of the input / output terminal 30 connected to the server system 10 via the Internet, for example. Payment method (annual payment / monthly payment), base date, etc.], selection of insurance company, and input screen display processing to display the input screen 50 for inputting the extraction conditions including the deduction rate, and
According to the extraction conditions including the basic information of the insured, the selection of the insurance company, and the deduction ratio input via the input screen 50 displayed by the input screen display process, the corresponding insurance products are stored in the database 18b. Insurance product extraction process, which is searched and extracted by
An insurance product list 56, which displays a list of each insurance product extracted by the insurance product extraction process together with predetermined comparison information including a deduction ratio, is created and displayed on the display means 31 of the input / output terminal 30. The server system 10 executes the insurance product list creation process (claim 1).

In the above insurance comparison method, the comparison of insurance products is
The insurance products with the highest maximum simple return rate are extracted or displayed at the top to create the insurance product list 56, and as the comparison information, the simple return rate is the maximum value for each extracted insurance product. It may be done by displaying the number of years, the accumulated amount of premiums paid in the number of years, the surrender value, and the refund rate (claim 2), or
The insurance products with a high simple return rate in the selected arbitrary number of years are extracted or displayed at the top to create the insurance product list 56, and as the comparative information, the selected arbitrary insurance products are extracted. The cumulative amount of premiums paid, the surrender value, and the refund rate for the number of years may be displayed (Claim 3).

In addition, the comparison of insurance products in the above insurance comparison method is further described.
The insurance products with the highest maximum value of the CV gap are extracted or displayed at the top to create the insurance product list 56, and as the comparative information, the number of years in which the CV gap becomes the maximum value in each extracted insurance, It may be done by displaying the accumulated premium paid, the surrender value, the refund rate, and the CV gap for the number of years (Claim 4), or
The insurance products with a high CV gap in the selected arbitrary number of years are extracted or displayed at the top to create the insurance product list 56, and as the comparative information, any selected insurance products of the extracted insurance are selected. This may be done by displaying the accumulated premium paid in years, the surrender value, the refund rate, and the CV gap (claim 5).

In the present invention, the CV gap (%) means the difference between the return rate (%) in any number of years during the insurance period and the return rate (%) in the previous year.

Further, in the insurance comparison method of the present invention, a detailed comparison table 57 of the contents of the insurance products selected on the insurance product list 56 is created and displayed on the display means 31 of the input / output terminal 30 for detailed comparison. The table creation process may be further performed by the server system 10 (claim 6).

In addition, in the input screen display process,
A basic information input field display process for displaying a basic information input field 51 for inputting basic information of an insured person on the display means 31 of the input / output terminal 30.
The insurance company list creation process, in which the insurance company list 52 is selectively displayed on the display means 31 of the input / output terminal 30 according to the input of the basic information in the basic information input field 51.
Further, the extraction condition input field display process for displaying the extraction condition input field 53 for inputting the extraction condition including the deduction ratio on the display means 31 of the input / output terminal 30 according to the selection of the insurance company by the insurance company list 52 is further performed. It may be done (Claim 7).

Further, the insurance comparison system 1 of the present invention is
It is composed of a server system 10 having a database 18b that can be connected to an input / output terminal 30 provided with a display means 31 and stores data of insurance products handled by a plurality of insurance companies in association with a loss ratio.
Basic information of the insured [gender, date of birth, age, insurance amount, payment method (annual payment / monthly payment), reference date) on the display means 31 of the input / output terminal 30 connected to the server system 10. ], The input screen display means 11 for displaying the input screen 50 for inputting the selection of the insurance company and the extraction conditions including the deduction ratio, and
According to the extraction conditions including the basic information of the insured, the selection of the insurance company, and the deduction ratio, which are input via the input screen 50 displayed by the input screen display means 11, the corresponding insurance products are stored in the database 18b. Insurance product extraction means to search and extract within 12,
An insurance product list 56 is created in which each insurance product extracted by the insurance product extraction means 12 is displayed in a list together with predetermined comparison information including a deduction ratio, and is displayed on the display means 31 of the input / output terminal 30. , The insurance product list creation means 13 is provided (claim 8).

In the insurance comparison system 1 having the above configuration,
The input screen 50 includes a comparison method selection field 54, and in the comparison method selection field 54, it is possible to select a comparison having a high maximum value of the simple return rate.
When it is selected in the comparison method selection field 54 to compare products having a high maximum simple return rate, the insurance product list creating means 13 has a high maximum simple return rate among the extracted insurance products. The insurance products are extracted or displayed at the top to create the insurance product list 56, and as the comparison information, the number of years in which the simple return rate of each extracted insurance is the maximum value, and the premium paid in that number of years. It may be configured to display the accumulated amount, the surrender value, and the refund rate (claim 9).

Further, instead of selecting the comparison method, or together with the selection of the comparison method, in the comparison method selection field 54 of the input screen 50, it is possible to select a comparison having a high simple return rate in the selected arbitrary number of years. ，
When it is selected in the comparison method selection field 54 to compare those having a high simple return rate in an arbitrary number of years, the insurance product list creating means 13 is used in the selected arbitrary number of years among the extracted insurance products. The insurance products with a high simple return rate are extracted or displayed at the top to create the insurance product list 56, and as the comparison information, the accumulated premiums paid for each selected insurance year are accumulated. The amount, the surrender value, and the refund rate may be displayed (claim 10).

Further, instead of selecting any of the above comparison methods, or together with the selection of the above comparison method, the comparison of the one having the highest maximum value of the CV gap can be selected in the comparison method selection field 54 of the input screen 50.
When it is selected in the comparison method selection field 54 to compare the insurance products having the highest maximum value of the CV gap, the insurance product list creating means 13 is the insurance product having the highest maximum value of the CV gap among the extracted insurance products. Is extracted or displayed at the top to create the insurance product list 56, and as the comparison information, the number of years in which the CV gap of each extracted insurance is the maximum value, the cumulative amount of premiums paid in the number of years, The surrender value, refund rate, and CV gap may be displayed (claim 11).

Further, instead of selecting any of the above comparison methods, or together with the selection of the above comparison method, in the comparison method selection field 54 of the input screen 50, the comparison of the one having a high CV gap in the selected arbitrary number of years is selected. Enable and
When it is selected to compare those having a high CV gap in any number of years selected in the comparison method selection field 54, the insurance product list creating means 13 is selected from any of the extracted insurance products. Insurance products with a high CV gap in the number of years are extracted or displayed at the top to create the insurance product list 56, and as the comparison information, the premiums paid for each selected insurance in the selected years are used. It may be configured to display the accumulated amount, the surrender value, the refund rate, and the CV gap (claim 12).

In addition, the above insurance comparison system 1 includes
Based on the selection made on the insurance product list 56 created by the insurance product list creating means 13, a detailed comparison table 57 of the contents of the selected insurance product is created, and the display means of the input / output terminal 30 is created. The detailed comparison table creating means 14 to be displayed on 31 may be further provided in the server system 10 (claim 13).

Furthermore, the insurance comparison system 1 is
The input screen display means 11
A basic information input field display process for displaying a basic information input field 51 for inputting basic information of an insured person on the display means 31 of the input / output terminal 30.
The insurance company extracted by the insurance product extraction means 12 based on the basic information input in the basic information input field 51 displayed by the basic information input field display process is designated as a selectable insurance company list 52 by the input / output terminal. Insurance company list creation process, displayed on the display means 31 of 30
By selecting an insurance company using the insurance company list 52 displayed by the insurance company list creation process, the extraction condition input field 53 for inputting the extraction condition including the deduction ratio is displayed in the display means 31 of the input / output terminal 30. It may be configured to sequentially execute the extraction condition input field display process to be displayed in (Claim 14).

The present invention includes a program (claim 15) for causing the server system 10 to execute any of the insurance comparison methods described above, and a recording medium (claim 16) for recording the program.

According to the insurance comparison method of the present invention described above and the insurance comparison system 1 that executes this method, it is possible not only to compare insurances provided by a plurality of insurance companies at once, but also to deduct from the premiums paid. Insurance can be extracted and compared based on the loss ratio, which is the ratio that can be recorded as, and can also be used when selecting and comparing insurance products to be used as a tax measure tool for corporate tax. Comparison system 1, Therefore, insurance that can support the selection of insurance that tax accounting professionals such as accounting firms choose in terms of taxation and financial strengthening, such as insurance that is proposed when conducting financial planning for the corporation that is the customer. The comparison method and the insurance comparison system 1 could be provided.

From the extracted insurance products, the insurance products with the highest maximum simple return rate are extracted or displayed at the top to create the above-mentioned insurance product list 56, and the extracted insurance products are included in the comparison information. By including the number of years when the simple return rate is the maximum, the accumulated premiums paid in those years, the surrender value, and the return rate, it is not only easy to compare insurance products with high savings, but also how many years. Later, it is possible to compare at a glance whether the savings effect will be maximized.

In addition, among the extracted insurance products, insurance products with a high simple return rate for any selected number of years are extracted or displayed at the top to create an insurance product list 56, and each insurance is selected as comparative information. By including the accumulated premiums paid, the surrender value, and the refund rate for any number of years, an event that causes a large loss, for example, in a corporation that is a contractor, for any number of years mentioned above (for example, retirement of an officer) By selecting the time when a large amount of retirement allowance will be incurred, it is possible to easily select and compare insurance suitable for taking out as a preparation for such loss.

Furthermore, among the extracted insurance products, the one with the highest maximum value of the CV gap is extracted or displayed at the top to create the insurance product list 56, and the number of years in which the maximum value of the CV gap is the maximum value in the comparison information. In the composition including the accumulated premiums paid in years, surrender value, refund rate, and CV gap, among the insurance products, low surrender and refund period type term life insurance is extracted or displayed at the top of the list. 56 can be created, and the end time of the low surrender and refund period of the low surrender and refund period type term life insurance and the increase in the refund rate (CV gap) at the end of the low surrender and refund period can be compared at a glance. It is possible.

In addition, among the extracted insurance products, those with a high CV gap in any selected number of years are extracted or displayed at the top to create an insurance product list 56, and any number of years selected for comparison information. In the composition including the accumulated premiums paid, the surrender value, the refund rate, and the CV gap, the low surrender and refund type fixed-term insurance whose low surrender and refund period expires in any selected number of years It is possible to create a list of insurance products 56 that is pinpointed or displayed at the top. For example, as the above-mentioned arbitrary number of years, an event occurrence time (for example,) when a large amount of miscellaneous income is generated in a corporation that is a customer. By inputting (the time when a large amount of miscellaneous income is generated due to insurance cancellation), it is possible to easily compare low-cancellation refund mold fixed-term insurance, which is optimal as a preparation for such an event.

Further, in the configuration in which the detailed comparison table creating means 14 is further provided in the server system 10 so that the detailed comparison table 57 can be created, after making a rough selection in the insurance product list 56 created by the insurance product list creating means 13. Furthermore, detailed information on necessary products can be displayed as a detailed comparison table 57, which makes comparison easier than when comparing design documents created for each insurance product.

Further, in the configuration in which the input screen display means 11 sequentially executes the display process of the basic information input field 51, the creation process of the insurance company list 52, and the display process of the extraction condition input field 53, the user can use the user. It is possible to easily input and select necessary information according to the guidance of the input screen 50 displayed on the display means 31.

The schematic explanatory view of the network configuration including the insurance comparison system of this invention. Functional block diagram of the server system. Explanatory drawing of the input screen. Explanatory diagram of insurance list. Explanatory drawing of detailed comparison table.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings.

[Overall configuration including insurance comparison system]
As shown in FIG. 1, the insurance comparison system 1 of the present invention is realized by a server system 10 configured to be connectable to an input / output terminal 30 provided with a display means 31, and in the embodiment shown in FIG. The input / output terminal 30 and the server system 10 are connected via the Internet.

Such a connection between the server system 10 and the input / output terminal 30 is not limited to the connection via the Internet as long as it enables communication between the two, and a public line network such as a telephone line or a dedicated line network can be used. It may be possible to connect by using it, or in some usage forms, it may be possible to connect both directly with a cable or the like.

[I / O terminal]
The above-mentioned input / output means 30 that can be connected to the insurance comparison system 1 (server system 10) of the present invention is operated by a user who compares and searches for insurance using the insurance comparison system 1 (server system 10) of the present invention. The terminal is equipped with a display means 31 such as a CRT, a liquid crystal display, and an organic EL for displaying each of the input screen 50, the insurance product list 56, the detailed comparison table 57, etc., which will be described later, and via the Internet. Various known personal computers (desktop PCs, laptop PCs, tablet PCs, etc.) and mobile information terminals (mobile phones, smartphones, etc.) can be connected to the insurance comparison system 1 (server system 10) of the present invention. ) And other various information terminals can be input / output terminals 30.

In the present embodiment, the insurance comparison system 1 of the present invention is configured to be provided to a user who has signed a usage contract in advance. For example, an accounting office or an insurance agency that has signed such a usage contract. This includes personal computers installed in financial institutions, PCs and mobile information terminals operated or carried by accountants, accounting office staff, insurance agency staff, financial institution staff, etc. belonging to these.

[Insurance comparison system (server system)]
The insurance comparison system 1 of the present invention is realized by the server system 10 configured to be connectable to the input / output terminal 30 described above, and in the present embodiment, as described above, via the Internet. It is configured to be connectable to the above-mentioned input / output terminal 30.

The server system 10 includes a server computer installed on an Internet environment such as a Web server in its configuration, and the form may be either an on-premises server or a cloud server.

The server system 10 includes a storage means 18 (see FIG. 2), and the storage means 18 stores necessary information about various insurance products provided by a plurality of insurance companies in association with a deduction ratio. Database 18b is stored.

Further, in the insurance comparison system 1 of the present embodiment, which is made available only to users who have signed a usage contract in advance, a user master that stores necessary information such as a user name, ID, and password for which the usage contract is made. The 18a may be provided in the storage means 18 described above.

As shown in FIG. 2, the server system 10 includes an input screen display means 11, an insurance product extraction means 12, and an insurance product list, which are necessary for executing the insurance comparison method of the present invention by executing a program stored in advance. It is configured so that the creating means 13 and the detailed comparison table creating means 14 can be realized respectively.

(1) Input screen display means Of these, the input screen display means 11 uses the insurance comparison system 1 of the present invention with respect to the display means 31 of the above-mentioned input / output terminal 30 connected to the server system 10 via the Internet. The process of displaying the input screen 50 and the input field (input screen display process) for inputting the information necessary for comparing the insured products is executed.

The input screen 50 displayed by the input screen display means 11 is configured to be able to display a basic information input field 51, an insurance company list 52, and an extraction condition input field 53.

Of these, in the basic information input field 51, as an example, in addition to the insured's gender, date of birth, age, insurance amount, payment method (selection of annual payment / monthly payment), and trial calculation, etc. The reference date to be used as the reference is entered.

The basic information input field may be provided with an input field for inputting the effective corporate tax rate for the corporation that is the contractor.

In addition, the insurance company list 52 displays a list of insurance companies that provide insurance corresponding to the basic information entered in the basic information input field 51 described above together with a check box and the like, and displays the insurance companies displayed in the list. Display as selectable.

Further, the extraction condition input field 53 is a field for inputting the extraction conditions of the insurance products to be compared, and the extraction condition input field 53 further sets the loss ratio of the insurance to be extracted to less than 23.5%. Select one or more from loss, 40% loss, 60% loss, full loss, 1/2 (endowment), full assets, loss ratio selection field 531 and select the type of insurance to be extracted Insurance type selection field 532 , Insurance period selection field 533 to select the insurance period, product type selection field 534 to select the product type (low surrender refund mold and / or normal type), and the necessity of various notifications and the existence of conditions such as medical examination Includes selection category / rate selection field 535 to select.

In addition, in the deduction ratio selection column 531, the range of the maximum value of the refund rate corresponding to each deduction ratio may be displayed instead of the deduction ratio or together with the deduction ratio, and the deduction is based on the selection of the deduction rate. You may be able to specify the ratio.

Further, the comparison method selection field 54 can be displayed on the input screen 50, and the comparison method of insurance products in the insurance product list 56 described later can be selected in the comparison method selection field 54.

Selection is a method of extracting those with a high simple return rate or displaying them at the top of the list for comparison, and a method of extracting those with a high CV gap or displaying them at the top of the list for comparison. Can be selected.

If you choose to compare the ones with the highest simple return rate, you can also select MAX and any number of years during the insurance period from the pull-down menu (see Fig. 3), and you also choose to compare the ones with the highest CV gap. If so, you can also select MAX from the pull-down menu and any number of years during the insurance period.

(2) Insurance product extraction means Among the means realized by the server system 10, the insurance product extraction means 12 is input to the basic information input field 51 of the input screen 50 displayed by the input screen display means 11. According to the basic information, the insurance company selected in the insurance company list 52, and the extraction condition selected in the extraction condition input field 53, the above-mentioned insurance product database 18b provided in the storage means 18 is searched, and the corresponding insurance is obtained. Extract products.

(3) Insurance product list creation means The insurance product list creation means 13 creates a list of insurance products extracted by the insurance product extraction means 12 described above and displays it on the display means 31 of the input / output terminal 30. Execute the creation process.

As shown in FIG. 4, the insurance product list 56 created by the insurance product list creating means 13 includes an insurance company, a rating, an insurance type, an insurance product, an insurance period, a payment period, a deduction ratio, a selection category / rate, and a year. Includes comparative information such as premiums paid.

In addition, if an input field for entering the effective corporate tax rate of the corporation that is the contractor is provided in the basic information input field described above, the corporation obtained by multiplying the total amount of premiums paid by the deduction rate and the effective tax rate. Calculate the tax deferral amount, the amount obtained by subtracting this deferred amount from the total amount of premiums paid, and the ratio (%) of the surrender value to the amount obtained by subtracting the deferred amount from the total amount of premiums paid. The value may be included in the comparison information.

Further, the insurance product list creating means 13 creates an insurance product list as follows according to the selection made in the comparison method selection field 54 of the input screen 50.

When comparison of products with a high simple return rate is selected in the comparison method selection field 54 and MAX is selected from the pull-down menu, insurance products with a high maximum simple return rate are extracted or displayed at the top. A product list is created.

In the present embodiment, the insurance products extracted by the insurance product extraction means 12 are displayed in descending order of the maximum value of the simple return rate, so that the insurance products having the highest maximum value of the simple return rate are displayed at the top of the list. I made it.

In this case, in the insurance product list, as comparative information, the number of years in which the simple refund rate of each extracted insurance is the maximum value, the accumulated premium paid in that number of years, the surrender value, and the refund rate are displayed. To.

This allows the user to easily compare insurance products with a high simple return rate (high savings) by comparing the insurance products displayed at the top of the list, and the return rate will be many years later. It is possible to compare at a glance how much it will be the maximum and how much it will be worth.

In addition, when comparison of products with a high simple return rate is selected in the comparison method selection field 54 and an arbitrary number of years (for example, 5 years) is selected from the pull-down menu, the selected arbitrary number of years (5 years) is simple. A list is created in which insurance products with a high return rate are extracted or displayed at the top.

In the present embodiment, the insurance products extracted by the insurance product extraction means 12 are displayed in descending order of the simple return rate for any number of selected years (for example, 5 years), so that the simple return rate for the number of years (5th year) can be obtained. Higher insurance products are now displayed at the top of the list.

In this case, the insurance product list further displays the accumulated premium paid, the surrender value, and the refund rate for the selected arbitrary number of years (for example, the fifth year) as comparative information.

As a result, the user can display the list by specifying the number of years corresponding to the time when the scheduled event (for example, retirement of an officer) occurs, so that the insurance with a high return rate at the time when the event occurs is ranked high in the list. It can be displayed on the screen for easy comparison.

Furthermore, when comparison of products with a high CV gap is selected in the comparison method selection field 54 and MAX is selected from the pull-down menu, insurance products with a high maximum CV gap are extracted or displayed at the top. Is created.

In the present embodiment, the insurance products extracted by the insurance product extraction means 12 are displayed in descending order of the maximum value of the CV gap, so that the insurance products having the highest CV gap are displayed at the top of the list.

In this case, in the insurance product list, as comparative information, the number of years when the CV gap becomes the maximum value, the accumulated amount of premiums paid in that number of years, the surrender value, the refund rate, and the CV gap are displayed as comparative information. ..

This makes it possible to display the low surrender and refund term life insurance at the top of the insurance product list for easy comparison, and from the above comparison information, when considering the cancellation and transfer timing of the low surrender and refund term life insurance. It is possible to compare the low churn return period and the CV gap at the end of the low churn return period at a glance.

Further, when comparison of products having a high CV gap is selected in the comparison method selection field 54 and an arbitrary number of years (for example, 5 years) is selected from the pull-down menu, the CV gap of the selected arbitrary number of years (5 years) is selected. A list is created in which insurance products with a high value are extracted or displayed at the top.

In the present embodiment, the insurance products extracted by the insurance product extraction means 12 are displayed in descending order of the CV gap of the selected arbitrary number of years (for example, 5 years), so that the CV gap of the number of years (5th year) is high. Insurance products are now displayed at the top of the list.

In this case, in the insurance product list, the accumulated premium paid for any number of years (for example, 5 years), the surrender value, the refund rate, and the CV gap are displayed as comparative information.

As a result, the low surrender and refund mold term life insurance whose low surrender and refund period expires in the selected number of years (for example, the fifth year) can be displayed at the top of the insurance product list. By displaying a list by specifying the number of years corresponding to the occurrence time of cancellation), it is possible to pinpoint and compare low cancellation refund mold term life insurance whose low cancellation refund period expires at the time of event occurrence. It will be possible.

As shown in FIG. 4, the insurance product list is provided with a comparison method selection field 54'similar to the comparison method selection field 54 provided on the input screen 50, and the comparison method is changed after the fact to display the order. May be changed.

(4) Detailed comparison table creation means The insurance product list created by the insurance product list creation means 13 is displayed in a list by the user using an input / output terminal by providing a check box as shown in FIG. It is configured so that it is possible to select an insurance product for which a more detailed comparison is made from the insurance products.

Then, when an insurance product is selected from the list by checking this check box and a command is given to create a detailed comparison table, the detailed comparison table creation means 14 is activated and a detailed comparison of the selected insurance products is performed. Forcing a table.

As shown in Fig. 5, this detailed comparison table shows the insurance company, rating, insurance type, product type, insurance amount, date (base date), age / gender, insurance period, payment period, payment method, and annual insurance. It is possible to display design documents such as premiums, deduction ratios, accumulated premiums for each year during the insurance period, surrender refunds, refund rates, etc., and these information of multiple insurance products to be compared can be displayed side by side. It is configured so that it can be easily compared by displaying it.

[Operation, etc.]
Refer to FIG. 2 for the processing and operation from the connection between the input / output terminal 30 and the server system 10 to the output of the detailed comparison table 57 described above using the insurance comparison system 1 of the present invention described above. However, it will be explained below.

In the insurance comparison system 1 of the present embodiment in which the service is provided to the user who has made a usage contract in advance, the personal computer or the like that the user uses via the Internet is used as the above-mentioned input / output terminal 30. When connected to the server system 10, the server system 10 activates the user authentication means 15 by executing a predetermined program, and causes the input / output terminal 30 connected to the server system 10 to display the authentication screen 55.

When the user inputs a preset ID and a preset password in the blanks 551 and 552 in the authentication screen 55 and commands the execution of user authentication, the user authentication means 15 stores the user authentication means 15 in the storage means 18. The user master 18a is searched, and when the match between the input ID and the password is confirmed, the user authentication is completed, whereby the user can receive the service.

When the user commands the start of service provision by the insurance comparison system 1 via the input / output terminal 30, the server system 10 activates the input screen display means 11, and the input screen display means 11 commands the start of the service. The display means 31 of the output terminal 30 is made to display the basic information input field 51.

In the basic information input field 51 (see FIG. 3) displayed in this way, the user completes the input of basic information such as the insured's gender, date of birth, age, insurance money, payment method, and base date. Then, the server system 10 activates the insurance product extraction means 12 to extract the insurance company corresponding to the input basic information.

According to the extraction of insurance companies by the insurance product extraction means 12, the input screen display means 11 displays a list of the insurance companies extracted on the display means 31 of the input / output terminal 30 together with a check box, and is a list of insurance companies 52 (FIG. 3). See) is displayed.

When the user selects an insurance company by checking the check box displayed in the insurance company list 52, the input screen display means 11 sets the extraction condition input field 53 in the display means 31 of the input / output terminal 30. indicate.

The extraction condition input field 53 includes a loss ratio selection field 531, an insurance type selection field 532, an insurance period selection field 533, a product type selection field 534, and a selection category / rate selection field 535.

In the present embodiment, the input screen display means 11 sets the extraction condition input field 53 to be displayed first after the insurance company is selected so that only the loss ratio selection field 531 is active (selectable) and the other selection fields are not. Display as active (not selectable) state.

Then, when the user selects the deduction ratio option displayed in the deduction ratio selection field 531, the selectable option among the insurance type selection fields 532 is activated (selectable) in response to this selection result. The user is prevented from selecting a combination that cannot be selected as an extraction condition.

Similarly, according to the selection result of the insurance type selection field 532, the input screen display means 11 activates only the insurance period options that are selectable combinations in the insurance period selection field 533, and the insurance period is displayed in the insurance period selection field 533. When is selected, the selectable option in the insurance type selection field 534 is activated, and when the insurance type is selected, the selectable option in the selection category / rate selection field 535 is selected. After being activated, the user inputs the extraction condition according to the guidance provided by the input screen display means 11.

Then, after selecting the extraction condition, the user specifies a comparison method of insurance products to be performed in the insurance product list by using the comparison method selection field 54 provided at the bottom column of the extraction condition selection screen.

The designation can be made to compare either the one with a high simple return rate or the one with a high CV gap, and after specifying either one, use the pull-down menu to select "MAX" or during the insurance period. Select and specify any number of years.

Here, the specification of "MAX" in the pull-down menu specifies that the maximum value of the simple return rate or the maximum value of the CV gap in each insurance product is compared, and the higher one is displayed at the top of the list for comparison. For the designation of an arbitrary number of years (for example, 5 years), the one with a high simple return rate or CV gap of each insurance product in the specified arbitrary number of years (for example, 5th year) is displayed at the top of the list. It specifies to compare.

In this way, when the extraction condition is specified and the comparison method is specified and the execution of the comparison of insurance products is instructed, the insurance product extraction means 12 searches the insurance product database 18b of the storage means 18 and the insurance that matches the conditions is searched. Along with extracting the products, the insurance product list creating means 13 creates an insurance product list in which the insurance products extracted by the insurance product extracting means 12 are displayed according to the comparison method selected in the comparison method selection field 54, and is entered. It is displayed on the display means 31 of the output terminal 30.

When it is selected to compare the one with the highest maximum simple return rate as the comparison method, the insurance product list creation means 13 displays the insurance product list in the number of years in which the simple return rate is the maximum, in that number of years. By displaying the accumulated premiums paid, the surrender value, and the refund rate as comparative information, the user can see how many years later the refund rate of each insurance product will be maximum and how much savings effect will be obtained. You can compare at a glance.

In addition, when it was selected to compare the ones with a high simple return rate in the selected arbitrary number of years (for example, 5 years) as the comparison method, each insurance extracted in the insurance product list was selected. By displaying the cumulative amount of premiums paid, the surrender value, and the refund rate for any number of years (for example, after 5 years) as comparative information, the user can save each insurance product for the selected number of years (after 5 years). The effects can be compared at a glance.

Furthermore, if it is selected to compare the ones with the highest maximum CV gap as the comparison method, the number of years in which the maximum CV gap of each insurance is maximized in the insurance product list, and the cumulative amount of premiums paid in those years. , Cancellation refund amount, refund rate, and CV gap are displayed as comparative information. CV gaps can be compared at a glance.

In addition, as a comparison method, if a comparison is selected for which the CV gap is high in any selected number of years (for example, after 5 years), the churn is low at the selected number of years (for example, after 5 years) at the top of the list. Low surrender and refund mold term life insurance whose refund period expires can be displayed side by side, and the accumulated premiums paid, surrender and refund amount, and refund for any number of years (for example, after 5 years) displayed in the insurance product list. These can be compared based on the rate and the CV gap.

In this way, the insurance product list displayed on the display means 31 of the input / output terminal 30 is provided with a check box as shown in FIG. 4, and this check box should be used for further detailed comparison. When an insurance product is selected and an instruction is given to create a detailed comparison table, the server system 10 activates the detailed comparison table creating means 14 and creates a detailed comparison table shown in FIG. 5 as an example for the selected insurance product. By doing so, it becomes possible to compare the selected insurances in more detail.

As described above, in the insurance comparison system 1 of the present invention, not only can insurances provided by a plurality of insurance companies be compared at once, but also the ratio of insurance premiums paid that can be recorded as a loss, based on the loss ratio. Since insurance can be extracted and compared, it is possible to provide an insurance comparison system that can also be used when selecting and comparing insurance products (corporate insurance) to be used as a tax measure tool for corporate tax. did it.

In addition, by selecting the comparison method described above, the savings effect of the extracted insurance products can be easily compared based on the relationship with the time, so that tax accounting professionals such as accounting firms can easily compare. It can also support the selection of insurance to be incorporated into the financial planning proposed to client companies.

1 Insurance comparison system 10 Server system (server computer)
11 Input screen display means 12 Insurance product extraction means 13 Insurance product list creation means 14 Detailed comparison table creation means 15 User authentication means 18 Storage means 18a User master 18b Insurance product database 30 Input / output terminal 31 Display means 50 Input screen 51 Basic information input Field 52 Insurance company list 53 Extraction condition input field 531 Loss ratio selection field 532 Insurance type selection field 533 Insurance period selection field 534 Product type selection field 535 Selection category / rate selection field 54, 54'Comparison method selection field 55 Authentication screen 56 Insurance Product list 57 Detailed comparison table 551,552 Blank

Claims (16)

Input / output terminals equipped with display means and
A server system equipped with a database that can be connected to the input / output terminal and stores data of insurance products handled by multiple insurance companies in association with the deduction rate is provided.
Input screen display process for displaying an input screen for inputting basic information of the insured, selection of an insurance company, and extraction conditions including a loss ratio on the display means of the input / output terminal connected to the server system. When,
Search for applicable insurance products in the database according to the extraction conditions including the basic information of the insured, the selection of the insurance company, and the deduction ratio entered via the input screen displayed by the input screen display process. Insurance product extraction process,
An insurance product list is created in which each insurance product extracted by the insurance product extraction process is displayed in a list together with predetermined comparison information including a deduction ratio, and is displayed on the display means of the input / output terminal. An insurance comparison method characterized in that the creation process is executed by the server system. The insurance products with the highest maximum simple return rate are extracted or displayed at the top to create the insurance product list, and as the comparison information, the simple return rate is the maximum value for each extracted insurance product. The insurance comparison method according to claim 1, wherein the number of years, the accumulated amount of premiums paid in the number of years, the surrender value, and the refund rate are displayed. The insurance products with a high simple return rate for any selected number of years are extracted or displayed at the top to create the insurance product list, and as the comparison information, any of the selected insurance products extracted. The insurance comparison method according to claim 1, wherein the accumulated premium paid in years, the surrender value, and the refund rate are displayed. The insurance products with the highest maximum value of the CV gap are extracted or displayed at the top to create the insurance product list, and as the comparison information, the number of years in which the CV gap becomes the maximum value in each extracted insurance, the said. The insurance comparison method according to claim 1, wherein the accumulated premium paid in years, the surrender value, the refund rate, and the CV gap are displayed. Insurance products with a high CV gap in any selected number of years are extracted or displayed at the top to create the insurance product list, and as the comparison information, the selected arbitrary number of years of each extracted insurance is used. The insurance comparison method according to claim 1, wherein the accumulated premium paid in, the surrender value, the refund rate, and the CV gap are displayed. It is requested that the server system further perform the detailed comparison table creation process of creating a detailed comparison table of the contents of the insurance products selected on the insurance product list and displaying it on the display means of the input / output terminal. The insurance comparison method according to any one of claims 1 to 5, which is characteristic. In the input screen display process
A basic information input field display process for displaying a basic information input field for inputting basic information of an insured person on the display means of the input / output terminal.
Insurance company list creation process, which displays the insurance company list selectably on the display means of the input / output terminal according to the input of basic information in the basic information input field.
According to the selection of the insurance company from the list of insurance companies, the extraction condition input field for inputting the extraction condition including the deduction ratio is further displayed on the display means of the input / output terminal, and the extraction condition input field display process is further performed. The insurance comparison method according to any one of claims 1 to 6. It consists of a server system that can be connected to an input / output terminal equipped with a display means and has a database that stores data on insurance products handled by multiple insurance companies in association with the deduction rate.
An input screen display means for displaying an input screen for inputting basic information of the insured person, selection of an insurance company, and extraction conditions including a loss ratio on the display means of the input / output terminal connected to the server system. When,
Search for applicable insurance products in the database according to the basic information of the insured, the selection of the insurance company, and the extraction conditions including the deduction ratio, which are input via the input screen displayed by the input screen display means. Insurance product extraction means,
An insurance product list in which each insurance product extracted by the insurance product extraction means is displayed in a list together with predetermined comparison information including a loss ratio, and an insurance product list is created and displayed on the display means of the input / output terminal. An insurance comparison system characterized by having a means of creation. The input screen includes a comparison method selection field, and in the comparison method selection field, it is possible to select a comparison with a high maximum value of the simple return rate.
When it is selected in the comparison method selection field to compare products having a high maximum simple return rate, the insurance product list creation means is an insurance product having a high maximum simple return rate among the extracted insurance products. Is extracted or displayed at the top to create the insurance product list, and as the comparison information, the number of years in which the simple return rate of each extracted insurance is the maximum value, the cumulative amount of premiums paid in that number of years, The insurance comparison system according to claim 8, wherein the surrender value and the refund rate are displayed. The input screen includes a comparison method selection field, and in the comparison method selection field, it is possible to select a comparison with a high simple return rate for any number of selected years.
When it is selected in the comparison method selection field to compare products having a high simple return rate in any number of years, the insurance product list creation means performs simple return in the selected arbitrary number of years of the extracted insurance products. The insurance products with a high rate are extracted or displayed at the top to create the insurance product list, and as the comparison information, the accumulated premiums paid and cancellations for each selected year of the extracted insurance. The insurance comparison system according to claim 8 or 9, wherein the refund amount and the refund rate are displayed. The input screen includes a comparison method selection field, and in the comparison method selection field, it is possible to select a comparison with a high maximum value of the CV gap.
When it is selected in the comparison method selection field to compare the insurance products having the highest maximum value of the CV gap, the insurance product list creation means extracts the insurance products having the highest maximum value of the CV gap from the extracted insurance products. Then, or display it at the top to create the insurance product list, and as the comparison information, the number of years when the CV gap of each extracted insurance is the maximum value, the accumulated premium paid in that number of years, and the surrender value. , The insurance comparison system according to any one of claims 8 to 10, wherein the return rate and the CV gap are displayed. The input screen includes a comparison method selection field, and in the comparison method selection field, it is possible to select a comparison with a high CV gap at any selected number of years.
When it is selected to compare those having a high CV gap in any number of years selected in the comparison method selection field, the insurance product list creation means is used in any number of selected years among the extracted insurance products. The insurance products with a high CV gap are extracted or displayed at the top to create the insurance product list, and as the comparison information, the cumulative amount of premiums paid for each selected year of the extracted insurance, The insurance comparison system according to any one of claims 8 to 11, characterized in displaying the surrender value, refund rate, and CV gap. Based on the selection made on the insurance product list created by the insurance product list creating means, a detailed comparison table of the contents of the selected insurance product is created and displayed on the display means of the input / output terminal. The insurance comparison system according to any one of claims 8 to 12, wherein a detailed comparison table creation means is further provided in the server system. The input screen display means
A basic information input field display process for displaying a basic information input field for inputting basic information of an insured person on the display means of the input / output terminal.
The insurance companies extracted by the insurance product extraction means based on the basic information input in the basic information input field displayed by the basic information input field display process are displayed as a list of selectable insurance companies on the input / output terminal. Display in the means, insurance company list creation process,
By selecting an insurance company using the list of insurance companies displayed by the insurance company list creation process, an extraction condition input field for inputting an extraction condition including a deduction ratio is displayed on the display means of the input / output terminal. , The insurance comparison system according to any one of claims 8 to 13, characterized in that the extraction condition input field display processing is sequentially executed. A program that causes the server system to execute the insurance comparison method according to any one of claims 1 to 7. A recording medium on which a program for causing the server system to execute the insurance comparison method according to any one of claims 1 to 7 is recorded.

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