JP7154607B2 - An insurance comparison method, an insurance comparison system, a program for executing the insurance comparison method, and a storage medium storing the program - Google Patents

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 storing the program. When considering taking out insurance (hereinafter referred to as “corporation insurance”) in which the insured persons (including relatives of these persons) The present invention relates to an insurance comparison method for extracting and comparing insurance products that match the requirements, 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 purchase as a provision for financial anxiety caused by an accidental accident such as illness or death is usually based on the type of insurance (e.g. medical insurance, death insurance, etc.) according to the type of accident (e.g. insurance, etc.), and based on the balance between the possible economic loss and the disbursable economic burden (insurance premiums), etc. This is done by comparing based on

Therefore, when trying to select the most suitable insurance product from those offered by each insurance company, it is necessary to select the type of insurance according to the purpose, and to obtain pamphlets and designs from each insurance company that handles the selected type of insurance. In order to select the type of insurance to be enrolled, we will compare the content of the coverage and the amount of premiums, etc., by obtaining materials such as documents, and by weighing the depth of coverage and the amount of insurance premiums to be paid.

However, in order to compare the wide variety of insurance products sold by multiple insurance companies and select the optimal one, not only does it require a huge amount of time and effort, It is necessary to compare materials and data such as design documents output in a format, and the work is complicated. Therefore, a system to support comparison and selection of insurance products across multiple insurance companies. is also proposed.

As such a system, Patent Literature 1 listed below calculates the amount of future life insurance required by the customer (insured person) based on the customer's (insured person's) information input at a terminal. Then, among the insurance products of multiple insurance companies, an insurance product that satisfies the above calculation result is initially selected.Furthermore, among the insurance products that were initially selected, the insurance product that matches the customer's request input from the terminal is finally selected. An insurance product management system has also been proposed, which is capable of estimating the amount of payment required for a purchase contract for an initially selected or finally selected insurance product (see Patent Document 1).

In addition, an insurance comparison system has been proposed that enables comparison of insurance not only from the viewpoint of security of future life, but also from the perspective of taxation. An insurance comparison system has been proposed and has already been patented (see Patent Document 2).

JP 2005-157914 A JP 2018-97532 A

[Disadvantages of prior art]
(1) Patent document 1
In the insurance product management system described in Patent Document 1 mentioned above, it is possible to easily extract the insurance products that provide the required insurance amount for the customer (the insured person) from among the numerous insurance products provided by multiple insurance companies. The ability to make comparisons can significantly reduce the time and effort customers spend on insurance selection.

However, first-sector insurance, such as term insurance, endowment insurance, and whole life insurance, in which a corporation is the policyholder and whose insured person is an officer or employee of the corporation, and third-sector insurance, such as medical insurance and income compensation insurance The above-mentioned "corporate insurance" not only provides for the risk of accidents, but also serves as a tax countermeasure tool for the corporation that is the policyholder, and/or for the large loss expected to occur in the future. It is also possible to use insurance as a tool for strengthening finances in anticipation of emergencies (for example, the payment of a large amount of retirement benefits due to the retirement of executives).

When trying to select and compare insurance for this purpose, in addition to the content and amount of coverage, there are cases where tax deferral or insurance that is advantageous in terms of financial strength is selected. As in the insurance product management system described in 1 above, if an insurance product is initially selected from the perspective of the future life insurance amount required by the customer (insured person), taxation will be imposed on the policyholder corporation. There is a risk that insurance, which is advantageous in terms of the deferment of insurance premiums and financial strength, may not be included in the selection at the initial selection stage.

Therefore, the insurance product management system described in Patent Literature 1 cited above is not suitable for use when comparing corporate insurances.

(2) Patent document 2
The insurance comparison system described in Patent Literature 2 described above calculates and displays the total amount of inheritance tax, etc., so that it can be used when comparing and selecting insurance that is advantageous in terms of taxation.

However, the insurance comparison system described in Patent Document 2 compares insurance products specifically for inheritance tax. It is not ready for use in comparing insurance.

[Points of focus of the present invention]
In this way, there has been no insurance comparison system that can support the selection of corporate insurance as a tool for corporate tax measures for the corporation that is the policyholder, 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 that can select and compare insurance from the viewpoint of the above-mentioned corporate tax measures and tools for strengthening corporate finances, For example, tax accounting professionals such as accounting firms can now propose to corporate clients that they use corporate insurance as part of their financial planning. I thought that I could contribute to promotion.

Based on the above viewpoint, the inventors of the present invention further discussed the possibility of selecting and comparing insurance based on what points when comparing corporate insurance proposed from the above viewpoint. It was investigated.

As a result, we found the usefulness of comprehensively considering the following information, which has not been taken into consideration when selecting and comparing insurance in the past.

(1) Loss ratio By subscribing to corporate insurance, a corporation records a certain percentage of the insurance premiums paid as “loss” in the accounting process. By reducing the profit of the company, the amount of corporate tax can be reduced.

Therefore, the percentage of insurance premiums that can be recorded as a loss (referred to in this specification as the “loss ratio”) has a significant impact on the amount of corporate tax paid by the corporation. can be a factor.

In the past, there was a tendency to choose insurance with a high surrender return rate, but in consideration of the relationship with the loss ratio, there is an idea to select insurance with a surrender return rate of, for example, 85% or less or 70% or less. is occurring.

However, conventionally, insurance is not selected or compared based on the "loss ratio", so there is no insurance comparison system that extracts and compares insurance products based on the "loss ratio". .

(2) Surrender return rate / peak number of years of surrender return rate / surrender return rate for a given number of years From the perspective of tax measures for corporate tax by recording losses as described above, it is important to record the entire amount as a loss, especially when the loss ratio is high. 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 that can be received as a refund at the time of cancellation to the total amount of premiums paid (hereinafter referred to as "simple surrender return rate" or simply "surrender return rate"). If insurance is selected based only on the loss ratio, the total amount of assets that can be left at hand may decrease when considering the total.

Therefore, even when choosing insurance for the purpose of tax measures, it is necessary to select and compare insurance considering the relationship between surrender value and surrender value rate, rather than focusing only on the high loss ratio. Become.

On the other hand, corporate tax may also be levied on surrender value, so even if the corporate tax for the current period could be reduced by recording the insurance premiums paid as a loss, this reduction would simply be In some cases, the payment of corporate tax is simply postponed until the time to receive the surrender value.

Therefore, the timing of canceling the insurance and receiving the cash surrender value should coincide with the timing of an event that will generate expenses that can be recorded as a deductible expense (for example, when an officer retires when a large amount of retirement allowance is paid). Efforts should also be made to level the balance of income and expenditure of the corporation that will be the entity. It is also important to compare the surrender value and the surrender value rate.

Here, a list of surrender value and surrender value rate for each year of the entire insurance period has been displayed in the design document of each insurance. 2 and 3).

However, it is possible to extract and compare policies based on the peak surrender rate of multiple policies offered by multiple insurance companies, the timing of their occurrence, and the surrender rate of each insurance policy at the time of the aforementioned event. No such insurance comparison system exists.

In addition, as mentioned above, insurance is not selected and compared based on the "loss ratio", so it is possible to compare surrender return rates (simple surrender return rates) based on design documents, etc. Even if it were, the effect of corporate tax deferral cannot be compared.

(3) CV Gap In the present invention, the difference between the surrender return rate (%) in a certain number of years during the insurance period and the surrender return rate (%) in the previous year is called "CV gap".

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

This insurance has the advantage that premiums to be paid are set lower than regular term life insurance, but it is possible to receive it before or after the period in which the surrender return rate is kept low (low surrender return period). Since there is a large difference in the amount of surrender value that can be obtained, the low surrender value period and the degree of change in the surrender value rate when the low surrender value period has passed (CV gap after the low surrender value period has passed) affect the insurance. important in choosing.

However, conventionally, there is no concept corresponding to the aforementioned CV gap, and therefore there is no insurance comparison system for extracting and comparing insurance based on the CV gap.

[Object of the present invention]
The present invention was made based on the drawbacks of the prior art as described above and the points of view of the inventors. Insurance comparison method and insurance comparison that can be used in the case of tax accounting professionals such as accounting firms and can therefore support the selection of corporate insurance proposed 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 storing the program.

Means for solving the problems are described below together with the symbols used in the mode for carrying out the invention. This code is for clarifying the correspondence between the description of the claims and the description of the mode for carrying out the invention, and needless to say, it is used restrictively to interpret the technical scope of the present invention. not a thing

In order to achieve the above problems, the insurance comparison method of the present invention includes:
an input/output terminal 30 having display means 31;
Insurance comparison executed by a server system 10 which is connectable to the input/output terminal 30 and has a database 18b in which data of insurance products handled by a plurality of insurance companies are stored in association with a predetermined combination of loss percentage and refund rate. A method ,
The predetermined combination of the loss ratio and the refund rate stored in the database 18b is a plurality of categories of the loss ratio set and the loss ratio so that the refund ratio decreases as the loss ratio increases. including a plurality of combination patterns consisting of combinations with the predetermined return rate set for each of the above categories,
The server system 10 is
Basic information of the insured person [sex, date of birth, age, insurance amount received, payment method (annual payment/monthly payment, reference date, etc.)], selection of insurance company, and extraction conditions including one of the combination patterns selected from the predetermined combinations of the loss percentage and the refund rate An input screen display process for displaying an input screen 50 for inputting
Including the basic information of the insured person input via the input screen 50 displayed by the input screen display process, the selection of the insurance company, and the combination pattern of the selected loss percentage and the refund rate Insurance product extraction processing for searching and extracting the corresponding insurance product from the database 18b according to the extraction condition;
creating an insurance product list 56 in which each insurance product extracted by the insurance product extraction process is listed together with predetermined comparison information including the combination pattern of the loss ratio and the return rate used as extraction conditions ; It is characterized by executing insurance product list creation processing to be displayed on the display means 31 of the input/output terminal 30 (claim 1).

In the above insurance comparison method, the comparison of insurance products is
The insurance product list 56 is created by extracting insurance products with a high maximum value of the simple return rate or displaying them at the top, and as the comparison information, the extracted insurance product has the maximum value of the simple return rate. It may be performed by displaying the number of years, the cumulative amount of insurance premiums paid in that number of years, the surrender refund amount, and the return rate (claim 2), or
An insurance product with a high simple return rate in an arbitrary selected number of years is extracted or displayed at a high rank to create the insurance product list 56. It is also possible to display the cumulative amount of premiums paid, the surrender refund amount, and the refund rate for the number of years (Claim 3).

In addition, the comparison of insurance products in the insurance comparison method further includes:
The insurance product list 56 is created by extracting insurance products with high maximum CV gaps or displaying them at the top, and as the comparison information, the number of years in which the CV gap is the maximum value in each insurance extracted, It may be done by displaying the cumulative premium paid in the number of years, the surrender refund amount, the refund rate, and the CV gap (claim 4), or
The insurance product list 56 is created by extracting insurance products with a high CV gap in the selected arbitrary number of years or displaying them at a high rank, and as the comparison information, any selected insurance product of each extracted insurance This may be done by displaying the cumulative amount of premiums paid, surrender refund amount, refund rate, and CV gap in terms of years (Claim 5).

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

Furthermore, in the insurance comparison method of the present invention, a detailed comparison table 57 of the contents of the insurance product 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 server system 10 may further execute table creation processing (Claim 6).

Also, 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 the insured person on the display means 31 of the input/output terminal 30;
Insurance company list creation processing for selectively displaying an insurance company list 52 on the display means 31 of the input/output terminal 30 according to the input of basic information in the basic information input field 51;
The display means 31 of the input/output terminal 30 displays an extraction condition input field 53 for entering an extraction condition including the predetermined combination of the loss percentage and the refund rate according to the selection of the insurance company from the insurance company list 52. It is also possible to further perform an extraction condition input field display process (Claim 7).

In addition, the insurance comparison system 1 of the present invention is
A server which is connectable to an input/output terminal 30 having a display means 31 and which has a database 18b in which data of insurance products handled by a plurality of insurance companies are stored in association with a predetermined combination of loss percentage and refund rate . comprising a system 10,
The predetermined combination of the loss ratio and the refund rate stored in the database 18b is a plurality of categories of the loss ratio set and the loss ratio so that the refund ratio decreases as the loss ratio increases. including a plurality of combination patterns consisting of a combination with the predetermined return rate set for each category of
On the display means 31 of the input/output terminal 30 connected to the server system 10, the basic information of the insured person [sex, date of birth, age, insurance amount, method of payment (annual/monthly), reference date ], selection of an insurance company, and combination patterns selected from the predetermined combination of the loss rate and the return rate . When,
The basic information of the insured inputted via the input screen 50 displayed by the input screen display means 11, the selection of the insurance company, and the combination pattern of the selected loss percentage and the refund rate are displayed. insurance product extracting means 12 for searching and extracting corresponding insurance products in the database 18b according to the extraction conditions including
creating an insurance product list 56 in which each insurance product extracted by the insurance product extracting means 12 is listed together with predetermined comparison information including the combination pattern of the loss ratio and the return rate used as extraction conditions; , an insurance product list creating means 13 for displaying on the display means 31 of the input/output terminal 30 (Claim 8).

In the insurance comparison system 1 configured as above,
The input screen 50 includes a comparison method selection column 54, and in the comparison method selection column 54, it is possible to select a comparison with a high maximum simple return rate,
When it is selected in the comparison method selection field 54 to compare those with the highest simple return rate, the insurance product list creating means 13 selects the extracted insurance products with the highest simple return rate. The insurance product list 56 is created by extracting insurance products or displaying them at the top, 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 premiums paid in this number of years. It may be configured to display the cumulative amount, the cancellation refund amount, and the refund rate (Claim 9).

In addition to the selection of the comparison method, or in addition to the selection of the comparison method, in the comparison method selection field 54 of the input screen 50, it is possible to select the comparison of the high simple return rate in the selected arbitrary number of years. ，
When the comparison method selection field 54 selects to compare those with a high simple return rate in an arbitrary number of years, the insurance product list creating means 13 selects the The insurance product list 56 is created by extracting insurance products with a high simple return rate or displaying them at the top, and as the comparison information, the accumulated premiums paid in any selected years for each extracted insurance. It may be configured to display the amount, cancellation refund amount, and refund rate (Claim 10).

Furthermore, instead of selecting one of the above comparison methods, or in conjunction 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 with a high maximum value of the CV gap,
When it is selected in the comparison method selection field 54 to compare those with a high maximum CV gap, the insurance product list creating means 13 selects the insurance product with a high maximum CV gap among the extracted insurance products. is extracted or displayed at a higher level to create the insurance product list 56, and as the comparison information, the number of years in which the CV gap of each insurance extracted is the maximum value, the cumulative amount of premiums paid in that number of years, It may be configured to display the cancellation refund amount, return rate, and CV gap (Claim 11).

Furthermore, instead of selecting one of the above comparison methods, or in conjunction with the selection of the comparison method, in the comparison method selection field 54 of the input screen 50, select a comparison of those with a high CV gap in the selected arbitrary number of years allow
When it is selected to compare those with high CV gaps in the arbitrary number of years selected in the comparison method selection field 54, the insurance product list creation means 13 selects any selected insurance product among the extracted insurance products. The insurance product list 56 is created by extracting insurance products with high CV gaps in terms of years or displaying them at the top, and as the comparison information, premiums paid in any selected years for each extracted insurance. It may be constructed so as to display the accumulated amount, surrender refund amount, return rate, and CV gap (Claim 12).

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

Furthermore, the insurance comparison system 1
The input screen display means 11 is
a basic information input field display process for displaying a basic information input field 51 for inputting basic information of the insured person on the display means 31 of the input/output terminal 30;
The insurance companies extracted by the insurance product extracting means 12 based on the basic information entered in the basic information input column 51 displayed by the basic information input column display processing are displayed as a selectable insurance company list 52 on the input/output terminal. Insurance company list creation processing 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, an extraction condition input field 53 for entering an extraction condition including the predetermined combination of the loss ratio and the refund rate is The extraction condition input field display processing to be displayed on the display means 31 of the input/output terminal 30 may be sequentially executed (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) on which the program is recorded.

According to the insurance comparison method of the present invention and the insurance comparison system 1 that executes the method described above, not only can insurances provided by a plurality of insurance companies be collectively compared, It is possible to extract and compare insurance based on the loss ratio, which is a ratio that can be recorded as a percentage, and can also be used when selecting and comparing insurance products used as a corporate tax tax strategy Comparison system 1, therefore, insurance that tax accounting professionals such as accounting firms propose when conducting financial planning for corporate customers, which can support the selection of insurance selected in terms of taxation and financial strengthening A comparison method and insurance comparison system 1 could be provided.

Among the extracted insurance products, the insurance products with a high maximum value of the simple return rate are extracted or displayed at the top to create the aforementioned insurance product list 56. By including the number of years in which the simple return rate reaches its maximum value, the cumulative amount of premiums paid in that year, the surrender value, and the return rate, not only is it easier to compare insurance products with high savings, but also the number of years. Later, it is possible to compare at a glance whether the savings effect is maximized.

In addition, among the extracted insurance products, 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 an insurance product list 56, and the selection of each insurance as comparison information. By including the cumulative amount of premiums paid, surrender refund amount, and return rate for any given number of years, the above-mentioned arbitrary number of years, for example, an event in which a large loss occurs in the legal entity that becomes the policyholder (e.g., the retirement of an officer By selecting the timing of when a large amount of retirement allowance accompanies a loss occurs, it is possible to easily extract and compare insurance that is suitable for purchasing as a provision for such a loss.

Furthermore, among the extracted insurance products, those with a high maximum CV gap are extracted or displayed at a higher rank to create an insurance product list 56, and the number of years in which the CV gap reaches the maximum value is included in the comparison information. A list of insurance products in which term insurance with a low surrender value period is extracted or displayed at the top of the list, in a configuration that includes cumulative premiums paid, surrender value, return rate, and CV gap in terms of years. 56, and can compare at a glance the end of the low surrender return period for term insurance with a low surrender return period, the increase in the return rate at the end of the low surrender return period (CV gap), etc. It is possible.

In addition, among the extracted insurance products, those with high CV gaps in the selected arbitrary years are extracted or displayed at the top to create an insurance product list 56, and the arbitrary years selected as comparison information In the composition including accumulated premiums paid, surrender value, return rate, and CV gap, among insurance products, low surrender value type term insurance with a low surrender value period expiring in a selected arbitrary number of years. It is possible to create an insurance product list 56 that is pinpointed or displayed at the top. By inputting the period when a large amount of miscellaneous income is generated due to cancellation of insurance, it is possible to easily compare the best low surrender value term insurance as preparation for such an event.

Further, in a configuration in which the server system 10 is further provided with a detailed comparison table creation means 14 to enable creation of a detailed comparison table 57, after a rough selection is made from the insurance product list 56 created by the insurance product list creation means 13, Furthermore, detailed information about the necessary products can be displayed as a detailed comparison table 57, which facilitates comparison compared to the case of comparing the design documents created for each individual insurance product.

Furthermore, in a configuration in which the input screen display means 11 sequentially executes the display processing of the basic information input column 51, the creation processing of the insurance company list 52, and the display processing of the extraction condition input column 53, the user can: According to the guidance of the input screen 50 displayed on the display means 31, it is possible to easily input and select necessary information.

1 is a schematic explanatory diagram of a network configuration including an insurance comparison system of the present invention; FIG. Functional block diagram of the server system. Explanatory drawing of an input screen. Explanatory drawing of insurance list. Explanatory drawing of a detailed comparison table.

Preferred embodiments of the present invention are described below with reference to the accompanying drawings.

[Overall configuration including insurance comparison system]
The insurance comparison system 1 of the present invention, as shown in FIG. The input/output terminal 30 and the server system 10 are connected via the Internet.

The connection between the server system 10 and the input/output terminal 30 is not limited to the connection via the Internet as long as the connection between the two can be made communicable. It may be possible to connect them by using them, or, in some forms of use, it may be possible to connect them directly with a cable or the like.

[Input/output terminal]
The aforementioned input/output means 30 connectable 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. This terminal is equipped with display means 31 such as a CRT, liquid crystal display, organic EL, etc. for displaying an input screen 50, an insurance product list 56, a detailed comparison table 57, etc., which will be described later. As long as it can be connected to the insurance comparison system 1 (server system 10) of the present invention, various known personal computers (desktop PC, laptop PC, tablet PC, etc.) and mobile information terminals (mobile phones, smartphones, etc.) ) can serve as the input/output terminal 30 .

In this embodiment, the insurance comparison system 1 of the present invention is configured to be provided to a user who has made a use contract in advance. Personal computers installed in financial institutions, PCs and portable information terminals operated or carried by accountants, accounting office staff, insurance agency staff, financial institution staff, etc. who belong to these institutions fall under this category.

[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. It is configured to be connectable with the aforementioned input/output terminal 30 .

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

The server system 10 includes storage means 18 (see FIG. 2), in which necessary information on various insurance products provided by a plurality of insurance companies is stored in association with loss ratios. A database 18b is stored.

In addition, in the insurance comparison system 1 of the present embodiment, which can be used only by users who have made a use contract in advance, a user master storing necessary information such as user names, IDs, passwords, etc. 18a may be provided in the storage means 18 described above.

As shown in FIG. 2, this server system 10 includes an input screen display means 11, an insurance product extracting 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 Among these, the input screen display means 11 uses the insurance comparison system 1 of the present invention for the display means 31 of the aforementioned input/output terminal 30 connected to the server system 10 via the Internet. A process (input screen display process) for displaying an input screen 50 and input fields for inputting information necessary for comparing the insurance products is executed.

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

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

The basic information input field may be provided with an input field for inputting the effective tax rate of corporate tax 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 input in the basic information input field 51 described above, together with check boxes, etc., and selects the insurance companies displayed in the list. Display as selectable.

Furthermore, the extraction condition input column 53 is a column for inputting extraction conditions for insurance products to be compared. Select one or more from loss, 40% loss, 60% loss, total loss, 1/2 (endowment), and total asset. , insurance period selection column 533 for selecting the insurance period, product type selection column 534 for selecting the product type (low surrender value type and/or normal type), and whether or not various notifications are necessary and whether or not there are conditions such as examinations. It includes a selection category/rate selection column 535 to be selected.

The loss ratio selection column 531 may display the range of the maximum value of the return rate corresponding to each loss rate instead of or together with the loss rate. You may enable it to specify a ratio.

A comparison method selection column 54 can be displayed on the input screen 50, and a comparison method of insurance products in an insurance product list 56, which will be described later, can be selected in the comparison method selection column 54. FIG.

The selection method is to extract those with a high simple return rate or display them at the top of the list for comparison, and to extract those with a high CV gap or display them at the top of the list for comparison. can be selected.

If you select a comparison with a high simple return rate, you can further select MAX and any number of years during the insurance period from the pull-down menu (see Figure 3), and select a comparison with a high CV gap. In addition, MAX and any number of years during the insurance period can be selected from the pull-down menu.

(2) Insurance Product Extracting Means Among the means realized by the server system 10, the insurance product extracting means 12 described above uses the basic information input field 51 of the input screen 50 displayed by the input screen display means 11 described above. 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 Extract products.

(3) Insurance product list creating means The insurance product list creating means 13 creates a list of insurance products extracted by the insurance product extracting means 12 described above, and causes the display means 31 of the input/output terminal 30 to display the insurance product list. Execute the creation process.

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

In addition, if an input field for entering the effective tax rate of the corporate tax of the corporation that is the policyholder is provided in the basic information input field described above, the corporate Deferred taxes, the amount of premiums paid minus the deferred amount, and the ratio (%) of surrender value to the amount of total premiums paid minus the deferred amount are calculated. 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 column 54 of the input screen 50 .

When a comparison 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 this embodiment, the insurance products extracted by the insurance product extracting means 12 are displayed in descending order of the maximum value of the simple return rate, so that the insurance product with the highest maximum value of the simple return rate is displayed at the top of the list. made it

In this case, the list of insurance products also displays, as comparison information, the number of years in which the simple return rate of each extracted insurance is at its maximum value, the cumulative amount of premiums paid in that number of years, the surrender refund amount, and the return rate. be.

By comparing the insurance products displayed at the top of the list, the user can easily compare insurance products with a high simple return rate (high savings). It is possible to compare at a glance how much value it will be at the maximum.

In addition, if a comparison 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 simple A list is created in which insurance products with high return rates are extracted or displayed at the top.

In this embodiment, the insurance products extracted by the insurance product extracting means 12 are displayed in descending order of the simple return rate for any selected number of years (for example, 5 years). Higher insurance products are now displayed at the top of the list.

In this case, the list of insurance products further displays, as comparative information, the cumulative amount of premiums paid in any selected year (for example, the fifth year), the surrender refund amount, and the refund rate.

As a result, the user can, for example, specify the number of years corresponding to the time of occurrence of a scheduled event (e.g., retirement of an executive) and display the list, so that insurance with a high return rate at the time of the event will be placed at the top of the list. can be displayed and easily compared.

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

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

In this case, the list of insurance products displays, as comparison information, the number of years in which the CV gap reaches its maximum value, the cumulative amount of premiums paid in that number of years, the surrender value, the return rate, and the CV gap as comparison information. .

As a result, low surrender value term insurance can be displayed at the top of the list of insurance products for easy comparison, and the comparison information can be used when considering the timing of surrendering or transferring low surrender value term insurance. It is possible to compare at a glance the considered low surrender return period and the CV gap at the end of the low surrender return period.

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

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

In this case, the list of insurance products further displays, as comparison information, cumulative premiums paid, surrender refund amount, return rate, and CV gap for an arbitrary number of years (for example, five years).

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

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

(4) Detailed comparison table creation means The insurance product list created by the insurance product list creation means 13 is displayed as a list by the user using an input/output terminal, such as by providing check boxes as shown in FIG. It is configured so that an insurance product to be compared in more detail can be selected from the insurance products listed.

Then, when an insurance product is selected from the list by checking the check box, etc., and an instruction is given to create a detailed comparison table, the detailed comparison table creation means 14 is activated to perform detailed comparison of the selected insurance products. Prompt table.

In this detailed comparison table, as shown in Fig. 5, insurance companies, ratings, insurance types, product types, insurance amounts, dates (reference dates), age/gender, insurance period, payment period, payment method, annual insurance It is possible to display design documents such as premiums, loss ratios, cumulative premiums for each year during the insurance period, surrender value, return rate, etc., and display this information of multiple insurance products to be compared side by side. It is configured so that it can be easily compared by displaying.

[Action etc.]
Refer to FIG. 2 for the processing and operations 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. will be explained below.

In the insurance comparison system 1 of the present embodiment, which provides services to users who have made a use contract in advance, the users use their own personal computers or the like as the input/output terminals 30 via the Internet. When connected to the server system 10 , the server system 10 activates the user authentication means 15 by executing a predetermined program, and displays an authentication screen 55 on the input/output terminal 30 that has connected to the server system 10 .

The user enters a pre-assigned ID and a preset password in blanks 551 and 552 on the authentication screen 55, and instructs execution of user authentication. The entered user master 18a is searched, and when it is confirmed that the entered ID and password match, user authentication is completed, and the user can receive services.

When the user instructs 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 receives the input command to start the service. The basic information input field 51 is displayed on the display means 31 of the output terminal 30 .

In the basic information input field 51 (see FIG. 3) displayed in this way, the user completes inputting basic information such as the insured person's sex, date of birth, age, insurance amount, payment method, and reference date. Then, the server system 10 activates the insurance product extracting means 12 and extracts insurance companies 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 check boxes. ) is displayed.

When the user selects an insurance company by checking a check box displayed in the insurance company list 52, the input screen display means 11 displays the extraction condition input field 53 on 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 classification/rate selection field 535 .

In this embodiment, the input screen display means 11 activates (selects) only the loss ratio selection column 531 of the extraction condition input column 53 that is displayed first after the insurance company is selected, and deactivates the other selection columns. Show as active (not selectable).

When the user selects a loss percentage option displayed in the loss percentage selection field 531, the selectable options in the insurance type selection field 532 are activated (selectable) in accordance with the selection result. The user is prevented from selecting combinations that cannot be selected as extraction conditions.

Similarly, according to the selection result of the insurance type selection column 532, the input screen display means 11 activates only the insurance period options that can be combined in the insurance period selection column 533, and the insurance period selection column 533 is selected, selectable options in the insurance type selection column 534 are activated, and further, when the insurance type is selected, selectable options in the selection category/premium selection column 535 are activated. After being activated, the user inputs the extraction conditions according to the guidance provided by the input screen display means 11 in this way.

After selecting the extraction condition, the user uses the comparison method selection column 54 provided at the bottom of the extraction condition selection screen to specify the insurance product comparison method to be performed in the insurance product list.

The specification can be specified to compare either the one with the high simple return rate or the one with the high CV gap, and after specifying one, use the pull-down menu to select "MAX" or Select and specify any number of years of

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 for each insurance product is compared, and the highest value is displayed at the top of the list for comparison. If you specify an arbitrary number of years (for example, 5 years), the simple return rate or CV gap of each insurance product in the designated arbitrary number of years (for example, the 5th year) is displayed at the top of the list. It specifies to compare.

In this way, when the extraction conditions and the comparison method are specified and the execution of comparison of insurance products is commanded, the insurance product extraction means 12 searches the insurance product database 18b of the storage means 18 to find insurance products that match the conditions. Along with extracting products, the insurance product list creating means 13 creates an insurance product list displaying the insurance products extracted by the insurance product extracting means 12 according to the comparison method selected in the comparison method selection field 54, and inputs the insurance product list. Displayed on the display means 31 of the output terminal 30 .

As a comparison method, when comparing those with the highest simple return rate is selected, the insurance product list creation means 13 adds the number of years in which the simple return rate reaches the maximum value to the insurance product list, By displaying the cumulative amount of premiums paid, the surrender refund amount, and the return rate as comparison information, the user can see how many years the return rate of each insurance product will reach its maximum and how much savings effect can be obtained. You can compare them at a glance.

In addition, if the comparison method is to compare the high simple return rate in a selected arbitrary number of years (for example, 5 years), the list of insurance products will show the selected insurance products. By displaying the cumulative amount of premiums paid, surrender refund amount, and return rate in an arbitrary number of years (for example, five years later) as comparison information, the user can see the savings of each insurance product for the selected number of years (five years later). Effects can be compared at a glance.

Furthermore, when comparing the highest CV gap is selected as a comparison method, the list of insurance products shows the number of years in which the CV gap of each insurance is at its maximum, , surrender value, return rate, and CV gap are displayed as comparison information, so that the low surrender value term insurance mutual low surrender value term insurance displayed at the top of the insurance product list, and when the low surrender value period expires CV gaps can be compared at a glance.

Also, as a comparison method, if you select a comparison of those with a high CV gap in any selected number of years (for example, 5 years later), low churn in the selected number of years (for example, 5 years later) will be displayed at the top of the list. It is possible to display the low cash surrender value type term insurance with the expiration of the refund period side by side, and display the accumulated insurance premiums, surrender refund amount, and refund for an arbitrary number of years (for example, after 5 years) displayed in the insurance product list. These can be compared based on rate, and CV gap.

In this way, the list of insurance products displayed on the display means 31 of the input/output terminal 30 is provided with check boxes as shown in FIG. 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 creation means 14 to create 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 insurance in more detail.

Thus, in the insurance comparison system 1 of the present invention, not only can insurances provided by multiple insurance companies be compared collectively, Therefore, it is possible to provide an insurance comparison system that can be used to select and compare insurance products (corporate insurance) to be used as a tax strategy tool for corporate tax. did it.

In addition, by selecting the above-mentioned comparison method, it is possible to easily compare the savings effect of the extracted insurance products based on the relationship with the time, so that tax accounting professionals such as accounting firms can use it. It is also possible to support the selection of insurance to be included in 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)

an input/output terminal equipped with display means;
It is an insurance comparison method executed by a server system connectable to the input/output terminal and provided with a database in which data of insurance products handled by a plurality of insurance companies are stored in association with predetermined combinations of loss ratios and refund ratios. Te ,
The predetermined combination of the loss percentage and the refund rate stored in the database is divided into a plurality of categories of the loss percentage and the loss percentage so that the refund percentage decreases as the loss percentage increases. including a plurality of combination patterns consisting of combinations with the predetermined return rate set for each of the categories,
The server system is
selected from among the basic information of the insured person, the selection of the insurance company, and the predetermined combination of the loss percentage and the refund rate on the display means of the input/output terminal connected to the server system; input screen display processing for displaying an input screen for inputting extraction conditions including any combination pattern ;
Extraction including the basic information of the insured entered via the input screen displayed by the input screen display process, the selection of the insurance company, and the combination pattern of the selected loss percentage and the refund rate Insurance product extraction processing for searching and extracting the applicable insurance product from the database according to the conditions;
creating an insurance product list in which each insurance product extracted by the insurance product extraction process is listed together with predetermined comparison information including the combination pattern of the loss ratio and the return rate used as extraction conditions ; An insurance comparison method characterized by executing insurance product list creation processing to be displayed on the display means of an input/output terminal. An insurance product with a high maximum value of the simple return rate is extracted or displayed at the top to create a list of the insurance products, and as the comparison information, the simple return rate is the maximum value for each of the extracted insurance products. 2. The insurance comparison method according to claim 1, wherein the number of years, the cumulative amount of insurance premiums paid in said number of years, the surrender refund amount, and the return rate are displayed. Extract insurance products with a high simple return rate in an arbitrary selected number of years or display them at the top to create the insurance product list, and as the comparison information, select arbitrary selected insurance products 2. The insurance comparison method according to claim 1, wherein the cumulative amount of premiums paid, the surrender refund amount, and the refund rate for the number of years are displayed. In addition to extracting insurance products with high maximum CV gaps or displaying them at the top to create the insurance product list, as the comparison information, the number of years in which the CV gap is the maximum value in each insurance extracted, 2. The insurance comparison method according to claim 1, wherein the cumulative amount of premiums paid, surrender refund amount, refund rate, and CV gap are displayed for each number of years. Extract insurance products with a high CV gap in the selected arbitrary number of years, or display them at the top to create the insurance product list, and as the comparison information, the selected arbitrary number of years of each insurance extracted 2. The insurance comparison method according to claim 1, wherein the accumulated premiums paid, surrender refund amount, refund rate, and CV gap are displayed. The server system further executes a detailed comparison table creation process of creating a detailed comparison table of the contents of the insurance product 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, characterized by: 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 processing for selectively displaying a list of insurance companies on the display means of the input/output terminal in accordance with input of basic information in the basic information input field;
An extraction condition for causing the display means of the input/output terminal to display an extraction condition input field for entering an extraction condition including the predetermined combination of the loss percentage and the refund rate according to the selection of the insurance company from the list of insurance companies. The insurance comparison method according to any one of claims 1 to 6, further comprising performing input field display processing. It consists of a server system connectable to an input/output terminal equipped with display means and equipped with a database in which data on insurance products handled by a plurality of insurance companies are stored in association with predetermined combinations of loss percentages and refund rates. ，
The predetermined combination of the loss percentage and the refund rate stored in the database is divided into a plurality of categories of the loss percentage and the loss percentage so that the refund percentage decreases as the loss percentage increases. including a plurality of combination patterns consisting of combinations with the predetermined return rate set for each of the categories,
selected from among the basic information of the insured person, the selection of the insurance company, and the predetermined combination of the loss percentage and the refund rate on the display means of the input/output terminal connected to the server system; input screen display means for displaying an input screen for inputting extraction conditions including any combination pattern ;
Extraction including the basic information of the insured person input via the input screen displayed by the input screen display means, the selection of the insurance company, and the combination pattern of the selected loss percentage and the refund rate insurance product extracting means for searching and extracting applicable insurance products from the database according to conditions;
creating an insurance product list in which each insurance product extracted by the insurance product extracting means is listed together with predetermined comparison information including the combination pattern of the loss ratio and the return rate used as extraction conditions ; An insurance comparison system characterized by comprising means for creating a list of insurance products for displaying on said display means of an input/output terminal. The input screen includes a comparison method selection column, and in the comparison method selection column, it is possible to select a comparison with a high maximum simple return rate,
When comparison is selected in the comparison method selection field to compare those with the highest simple return rate maximum value, the insurance product list creating means selects insurance products with the highest simple return rate maximum value among the extracted insurance products. is extracted or displayed at the top to create the list of insurance products, and as the comparison information, the number of years in which the simple return rate of each insurance extracted is the maximum value, the cumulative amount of premiums paid in that number of years, 9. The insurance comparison system according to claim 8, wherein the surrender refund amount and the refund rate are displayed. The input screen includes a comparison method selection column, and in the comparison method selection column, it is possible to select a comparison with a high simple return rate in the selected arbitrary number of years,
When the comparison method selection field selects to compare those with a high simple return rate in an arbitrary number of years, the insurance product list creating means selects a simple return rate in an arbitrary number of years selected from among the extracted insurance products. The insurance product list is created by extracting insurance products with high rates or displaying them at the top, and as the comparison information, the cumulative amount of premiums paid in an arbitrary selected number of years of each extracted insurance, surrender 10. 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 comparison of items with a high maximum CV gap is selected in the comparison method selection field, the insurance product list creation means extracts insurance products with a high maximum CV gap among the extracted insurance products. or displayed at a higher level to create the list of insurance products, and as the comparison information, the number of years in which the CV gap of each insurance extracted is the maximum value, the cumulative amount of premiums paid in that number of years, and the surrender value , return rate, and 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 of those with a high CV gap in the selected arbitrary number of years,
When it is selected to compare those with high CV gaps in the arbitrary years selected in the comparison method selection field, the insurance product list creation means selects the The insurance product list is created by extracting insurance products with high CV gaps or displaying them at the top, and as the comparison information, the cumulative amount of premiums paid in any selected years for each extracted insurance, 12. The insurance comparison system according to any one of claims 8 to 11, wherein the surrender value, return rate, and CV gap are displayed. Based on the selection made on the insurance product list created by the insurance product list creation means, a detailed comparison table of the contents of the selected insurance products is created and displayed on the display means of the input/output terminal; 13. The insurance comparison system according to any one of claims 8 to 12, wherein said server system is further provided with detailed comparison table creation means. The input screen display means is
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 company extracted by the insurance product extracting means based on the basic information entered in the basic information input field displayed by the basic information input field display processing is displayed on the input/output terminal as a list of selectable insurance companies. insurance company list creation processing to be displayed on the means,
By selecting an insurance company using the insurance company list displayed by the insurance company list creation process, an extraction condition input field for entering an extraction condition including the predetermined combination of the loss ratio and the refund rate is moved to the front. 14. The insurance comparison system according to any one of claims 8 to 13, wherein an extraction condition input field display process to be displayed on said display means of an input/output terminal is sequentially executed. A program that causes a server system to execute the insurance comparison method according to any one of claims 1 to 7. A recording medium recording a program for causing a server system to execute the insurance comparison method according to any one of claims 1 to 7.

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