JPH10228509A - Method for efficiently planning death insurance, efficiently planning individual annuity and efficiently and simultaneously planning death insurance and individual annuity - Google Patents

Abstract

PROBLEM TO BE SOLVED: To efficiently plan death indemnification or endowment indemnification by performing arithmetic processing for minimizing a target function while satisfying a specified limitation conditional expression. SOLUTION: A computer planning system is provided with a household file 1, income information file 2, life style information file 3, property insurance information file 4, retirement allowance/endowment/death/inheritance information file 5, life insurance plan constitution file 6 and insurance plan constitution file 7. Arithmetic is performed to minimize a target function (X1+X2) while satisfying the respective limit conditions of X1+aX2>A, X1+0X2>B, X1+bX2<C and X1+cX2<D. In the respective expressions, X1 shows the insurance amount of ordinary life insurance, X2 shows an insurance amount to be paid in the first year of survivor's pension payment type term insurance, (a) shows the magnification of the cumulative grant amount of this insurance to the insurance amount to be paid in the first year, (b) shows a conversion coefficient at the calculation time of total insurance limit amount at the contract time of life insurance, and (c) shows a conversion coefficient at the acceptance limit amount calculation time of life insurance.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for efficiently designing a death insurance, a method for designing an individual pension efficiently, and a method for simultaneously designing a death insurance and an individual pension.

[0002]

2. Description of the Related Art In the field of life insurance, in order to realize death protection in preparing for an individual's fatal accident, life insurance and term insurance such as death insurance are provided at any insurance amount and for any insurance period. It is important to take security. In the life insurance business, it takes several days to perform the above design based on the needs of the customer, because the calculation is complicated and requires expertise in insurance. In addition, as individuals can survive and their retirement income decreases to only the amount of the public pension, what kind of survival insurance (individual pension in this case) should cover the difference from the desired living expenses, and how many years should they receive? It took a similar number of days when trying to design what to do. On the other hand, in recent years, for death insurance, a system has been introduced that can be used to quickly design insurance by inputting necessary items using a personal computer, etc. It will be released, and it will be easier for customers to find insurance products that are suitable for them, and it is also an incentive to join insurance.

[0003]

However, the above-mentioned personal computer system is not useful for the planning of life after retirement because the field of application is limited only to death insurance. Also, in the design of the death insurance, the design performed by the personal computer system is an automatic design for each pattern. In the case of a design not included in the pattern, it is difficult to efficiently design the design.
Furthermore, as a result of the design, the insurance premium derived from the required security amount and the shortage amount often exceeds the limit of the amount that can be paid by the customer, and when entering based on the limit amount,
The required amount of security (or desired living expenses) at the time of death cannot be entered as an input item. In that case, manual redesign is eventually required. The present invention has been made in view of the above-described problems of the prior art, and does not rely on a pattern-specific design method, but can efficiently design a death insurance or a retirement security by efficiently designing a death insurance or an individual pension. It is intended to provide an efficient design method. A second object of the present invention is to provide a method for efficiently designing a death insurance and an individual annuity that can efficiently design a death insurance and a retirement insurance in a limited funding budget for a customer's premium payment. It is assumed that.

[0004]

Therefore, an efficient design method for death insurance according to claim 1 is a method for designing an insurance system for a life insurance and a bereaved family against a necessary security amount expressed in an amount of an economic crisis that occurs when an individual dies. If the insurance design is made by combining two death insurances of annuity payment type term insurance, information on the family structure of the individual, information on the head of the household relating to each date of birth, information on the type of work, annual income, education and marriage plan for children Information, information about future life events, information about property and insurance,
Based on the input data of the retirement allowance, retirement age, death and inheritance plan information, execute the time series calculation of the required security amount and
The necessary security amounts A and B under the constraint conditions i to iv are estimated, and the estimated results are stored as time-series data.
From the life insurance product configuration file stored in advance, for each gender and age of the individual to be insured, extract the data of the coefficients a, b, and c defined in the constraint condition expressions of i to iv, Expand to these constraint expressions, and then i to iv
Is a basic feature of performing arithmetic processing that satisfies the above constraint condition expression and minimizes the objective function (X1 + X2).
In the case of efficient design in life insurance design, the total designed insurance amount originally needs to be greater than the required security amount at any of a plurality of points in time. The conditions were classified into the following cases i and ii. i The condition that the total designed insurance amount must exceed the current required security amount A. X1 + aX2> A ii After the designed total insurance amount has passed for any number of years (before or after the retirement year of the head of household). The required amount of security often changes greatly, so it is generally necessary to exceed the required amount of security B of the householder's retirement year. X1 + 0X2> B iii Insurance of two death insurance The condition that the total amount must be within the range of the total limit C by age at the time of contract X1 + bX2 <Civ The total insurance amount of the two death insurances must be within the underwriting limit D for one individual of the insurance company. X1 + cX2 <D, where X1 is the amount of insurance for whole life insurance. X2 is the amount of annuity paid in the first year of the survivor's pension-type term insurance. Multiplied by the cumulative amount of payment for annuity-based term insurance over x years to the amount of annuity paid in the first year (a conversion factor that converts the amount of annuity received into insurance at one time) b: Total insurance at the time of life insurance contract Conversion factor for survivor's annuity-based term insurance in the first year when calculating the limit c: Annuity insurance in the first year of the survivor's annuity-based term insurance when calculating the life insurance underwriting limit Conversion factor for amount

The two-step linear programming method that satisfies the above constraint conditions i to iv and minimizes the objective function (X1 + X2) is actually performed as follows: X6, X8, X10,
By introducing a surplus variable X12, the inequalities i to iv are once converted into equations, and new non-negative variables X7, X9, X11, and X13, that is, artificial variables are added, and the constraint expression is rewritten. iX1 + aX2-X6 + X7 = Aii X1 + 0X2-X8 + X9 = Biii X1 + bX2 + X10 + X11 = Civ X1 + cX2 + X12 + X13 = Di The objective function is temporarily W = X7 + X9 as the first step under the constraint of Di-iv. Solve the generalization problem by the ordinary simplex method and drive out artificial variables from the base. As a second step, an optimal solution that minimizes the objective function (X1 + X2) is determined. That is, the feasible basis solution is obtained by adding an artificial variable, and then the minimization of the original objective function (X1 + X2) is obtained by the simplex method.

According to a second aspect of the present invention, there is provided a method for efficiently designing a personal pension, wherein the pension is paid for a shortage of living expenses obtained by subtracting a public pension to be paid in a later stage from retirement living expenses generated after retirement of the company. When designing a pension by combining up to three types of individual pensions with different periods, the family structure of the individual
Based on input data of household head information related to each date of birth, information on work type and annual income, information on child education and marriage plan, information on property and insurance, information on retirement, retirement, retirement, death and inheritance plans , Perform a time series calculation of the shortage amount, and the shortage amount E in the following constraints v to vii,
F and G are estimated, the results of the estimation are stored as time-series data, and an individual pension (pension) is determined based on the age of the individual to be insured and the age difference with the spouse from the insurance product configuration file stored in advance. Calculate the pension payment period (including paid-in accident insurance, etc.) and use these constraints as a coefficient from 0 to 1 to be multiplied by X3, X4 and X5 of the constraint formulas v to vii. Extract the minimum pension receipt amount H from the above insurance product configuration file,
It is characterized in that it is expanded to viii, and on that basis, arithmetic processing is performed to satisfy the constraint condition expressions v to viii and to minimize the objective function (X3 + X4 + X5). v Restriction of shortfall E, which is calculated by subtracting the total amount of public pensions paid to the head of household and spouse in the year of full payment of the public pension of the head of household after retirement from the desired cost of life for retirement 1X3 + 1X4 + 1X5> E vi Restriction of shortfall F obtained by subtracting the total amount of public pension paid to the head of the household and the spouse in the previous year from the desired living expenses for the retirement age 0x3 + 1X4 + 1X5> F vii Constraints on shortfall G obtained by subtracting the total amount of public pensions, etc. paid to the head of the household and the spouse at any time after the start of full payment of the public pension of the spouse after retirement of the head of the household from the desired living expenses for retirement Condition 0X3 + 0X4 + 1X5> G viii Restriction on minimum pension receipt amount H of individual pension X3> H, X4> H, X5> H However, X3: Annual receipt of individual pension 1. Individual pension that can be received from the retirement age of the head of the household to before the full payment of the public pension X4: The annual amount of individual pension 2 received. Individual pension that can be received from the retirement age of the head of the household to the age of the head of the household before the full payment of the spouse's public pension X5: The amount of the individual pension 3 received annually. Individual pension that can be received in any period exceeding X3 and X4 from the retirement age of the head of the household

[0007] The above-mentioned constraint conditions v to viii are satisfied,
In addition, the arithmetic processing of the two-step linear programming that minimizes the objective function (X3 + X4 + X5) is actually performed as follows:
Introducing surplus variables 16 and X18, the inequalities v to viii are once converted into equations, and new non-negative variables X15, X17 and X19, that is, artificial variables, are added to rewrite the constraint expression. v 1X3 + 1X4 + 1X5−X14 + X15 = E vi 0X3 + 1X4 + 1X5−X16 + X17 = F vii 0X3 + 0X4 + 1X5−X18 + X19 = Gviii X3> H, X4> H, X5> H Temporarily as the first step under the constraints v−viii Solve the minimization problem of Z where the function is Z = X15 + X17 + X19 by the ordinary simplex method, and drive out the artificial variables from the base. As a second step, an optimal solution that minimizes the objective function (X3 + X4 + X5) is obtained. That is, an feasible basis solution is obtained by adding an artificial variable, and then the original objective function (X3 + X4 + X
Find the minimization of 5) by the simplex method.

[0008] Further, an efficient simultaneous design method of death insurance and an individual pension according to claim 3 is an efficient design method of death insurance according to claim 1 and an efficient design method of individual annuity according to claim 2. Combined with efficient design of death insurance and personal annuity for retirement needs and retirement costs in the limited budget of the customer. Therefore, death insurance design and individual pension design are performed instantaneously within the limit of a given premium by the following method. That is, assuming that the limit that can be paid by the customer is L, the ratio p of funds allocated to life insurance for realizing the best death security and retirement security calculated by the insurance design and pension design is (kX1p + iX2
p) / M can be changed in the range of 0 to 1 as a default value, and the insurance amount X1L of the whole life insurance to be enrolled and the insurance amount X2L of the first year of the survivor's annuity payment term insurance are as follows.
X1L and X2L meeting any of the conditions ix to xi,
The annual receipts X3L, X4L, X5L of the individual pension to be subscribed,
X3L, X4L meeting any of the following conditions xii to xiv:
X5L is performed as a conditional branch process. With respect to the value of p, if (kX1p + iX2p) / M is set as a default value and the value is freely set in the range of 0 to 1, if the customer desires, a design that emphasizes death protection measures is performed.
It is possible to freely design whether to take into account the retirement security measures. ix When hX1 ≧ L * p X1L = (L * p) / h X2L = 0 x hX1 + iX2 ≧ L * p X1L = X1 X2L = (L * p−hX1) / i xi When hX1 + iX2 <L * p X1L = (L * p-iX2) / h X2L = X2xii jX3≥L * (1-p) X3L = L * (1-p) / j X4L = 0 X5L = 0 xiii jX3 + kX4≥L * (1 -P) X3L = X3 X4L = [L * (1-p) -jX3] / k X5L = 0 xiv jX3 + kX4 + lX5≥L * (1-p) X3L = X3 X4L = X4 X5L = [L * ( 1-p) -jX3-kX4] / l, where p is the ratio of funds allocated to life insurance when achieving the best death and retirement security (hX1p + iX2p) / M = pM: the amount of funds that can be paid (hX1p + iX2p) + (JX3p + kX4p + 1x5p) = M (hX1p + iX2p): Insurance for achieving the best death protection (JX3p + kX4p + 1x5p): Premium for realizing the best retirement security X1p: Solution of the whole life insurance amount calculated by the above insurance design X2p: First year of survivor's pension payment term insurance obtained by the above insurance design Solution of insurance amount X3p: Solution of annual receipt of individual pension obtained by the above pension design X3 Solution X4p: Solution of annual receipt of individual pension obtained by the above pension design X4 X5p: Individual obtained by the above pension design Solution of annual pension receipt X5 h: Insurance premium per 1 yen of insurance for whole life insurance i: Insurance premium per 1 yen of insurance for survivor's pension payment type term insurance j: Individual pension X3 per 1 yen of annual insurance Insurance premium k: Insurance premium per annuity of individual annuity X4 l: Insurance premium per annuity of individual annuity X5 L * p: Divided to life insurance when customer's maximum payable amount is L This Insurance premiums L * is (1-p): insurance premiums that are assigned to an individual pension at the time of the maximum amount that can afford the customer is L

[0009]

[Function] As described above, a combination of life insurance that secures the necessary amount of security for individuals as much as possible within the constraints of the enrollment limit and underwriting limit of multiple insurance products at the time of life insurance contract, and If you try to manually design an efficient combination of individual pensions in which you apply the shortfall obtained by subtracting the amount of public pension received from the desired living expenses after retirement with multiple individual pensions, insurance knowledge and mathematical knowledge and Even those with many years of experience will spend a lot of time. Even when these designs are performed by a pattern-specific design method, efficient design cannot be performed for a combination pattern that is not included in a previously prepared pattern. According to the configuration of the present invention, efficient allocation of life insurance and / or individual annuity can be realized by causing a two-step linear programming method to be processed as a calculation method without using a pattern-specific design method.

[0010] In addition, the configuration of claim 3 takes into consideration the insurance premium payable by the customer and considers the life insurance and the life insurance when the above-mentioned efficient simultaneous design is performed within the budget of the insurance premium L investable by the customer. The premium L is allocated according to the ratio of the individual pension, and in the life insurance design in that case, the premium L
For insurance premium L * p allocated to life insurance,
Life insurance is assigned preferentially (insurance amount X1L of each whole life insurance under conditions ix to xi and insurance amount X2L of the first year of survivor's pension type term insurance), and insurance that is also allocated to individual annuity for premium L For the fee L * (1-p), a personal pension with a short payment period (a private pension X3 allocated to the period in which the shortage of the public pension provided for the desired living expenses for retirement is greatest) Priority) (annual receipts of personal annuities X3L, X4L, X5L in the case of conditions xii to xiv), and the current life of the customer can be paid comfortably without being squeezed by paying the household insurance premium It enables insurance and pension design. Further, the value of p can be freely set in the range of 0 to 1 in addition to the default value, so that a design that emphasizes the death security measure or a design that emphasizes the retirement security measure can be performed. Free design is possible.

[0011]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the third aspect of the present invention will be described below. FIG. 1 is a functional block diagram of a computer design system used when implementing the death insurance and personal pension efficient simultaneous design method of claim 3, and FIGS. FIGS. 8 to 13 show a data input / correction screen menu, and FIGS. 8 to 13 show output screens for displaying calculation processing results in the system.
Each is shown.

First, the present design system is designed to
Information on head of household related to each date of birth, information on employment type and annual income, information on children's education and marriage plan, information on future life events, information on property and insurance, retirement, retirement, retirement, death and inheritance plans When the information is input, each data is temporarily stored in the household file 1, the income information file 2, the lifestyle information file 3, the property insurance information file 4, the retirement allowance, retirement age, death, inheritance information file 5, and further based on the data. By performing a time series operation of the required security amount and the shortage amount, the required security amounts A and B and the shortage amount E,
F and G are calculated, and the results of these calculations are stored as time-series data. From the life insurance product configuration file 6, the gender and age of the individual to be insured are expressed as i-iv constraint expressions. The data of the prescribed coefficients a, b, and c are extracted and expanded into these constraint conditions. Further, from the insurance product configuration file 7, the age of the individual who is the insured and the age difference with the spouse are calculated. Calculate the pension payment period for individual pensions (including pension-funded accident insurance) and calculate v
Are expanded to these constraint conditions as coefficients of 0 to 1 multiplied by X3, X4, and X5 of the constraint formulas of vii, and the minimum pension receipt amount H is extracted from the insurance product configuration file 7 and the constraint condition formula viii Then, based on the above two-step linear programming, we design insurance and pensions.

As shown in FIGS. 2 and 3, on the assumption that the household is composed of a 38-year-old male head of a household, a 35-year-old spouse, a 10-year-old eldest son, and a 8-year-old eldest daughter, a two-stage linear programming method according to claim 3 is adopted. When the computer design system performs the arithmetic processing for the efficient design of the death insurance and the efficient design of the individual pension, the following is obtained.

According to FIG. 2 and FIG. 3, the head of the household was employed by a real estate company at the age of 23, and has reached the present. The current salary income including tax is 6.29 million yen, including the spouse's income. There is no other income. According to the company's wage regulations, the income of the head of household is expected to increase to 6.62 million yen at the age of 40, 8.03 million yen at the age of 50, and 9.09 million yen at the age of 60. It is assumed that the inflation rate is expected to be 1% per year in the future, and that the salary income will increase by 1% per annum from the current year after the raise.

According to FIG. 4, the current basic living expenses excluding educational expenses, rent or mortgage are 260,000 yen per month, and the rent is 100,000 yen per month. The company plans to buy a 25 million yen home at the age of 40. The acquisition funds received 5 million yen of housing funds from parents, 5 million yen as their own funds,
The remaining 15 million yen will be raised through mortgages. The expected retirement age is 60, the retirement age, and the annual interest rate is 4%. Then, the system calculates the annual principal and interest repayment to be 1.07 million yen. Group credit guarantee insurance is provided, and if the head of the household dies, the mortgage is repaid in a lump sum with group credit guarantee. On the other hand, they deposit 50,000 yen every month and pay 620,000 yen per year for life insurance and 290,000 yen per year for non-life insurance.

As shown in FIG. 5, the eldest son plans to enter the elementary school, junior high school, and high school in the future, the university plans to enter a private culture, and the eldest daughter will enter elementary school, junior high school, and the like. High schools are public, colleges are private junior colleges, and there are plans to go to school at home. According to this plan, the education cost is estimated to be 1,000,000 yen for the eldest son and 7 for the eldest daughter, based on the prediction of the average statistical value of the education cost
Expenditures of 270,000 yen are expected, and projections of the average statistics of marriage costs show that marriage assistance funds of 1.6 million yen at the age of 28 for the eldest son and 1.78 million yen at the age of 26 for the eldest daughter. is expected.

As shown in FIG. 6, it is assumed that the household has a financial asset balance of 7 million yen such as savings and savings at the present time. As shown in FIG. 7, the retirement retirement allowance estimated from the industry-specific wage statistics table is 190,000 yen, and the desired living expenses for retirement (desired retirement expenses) is 300,000 yen per month. If the head of the household dies, it is estimated that 6,460,000 yen will be spent on funeral expenses, etc. based on the statistics of funeral expenses, etc. In addition, as emergency reserve funds, education expenses at the time of death of the head of household and living expenses other than rent and mortgage It was assumed that one year's worth would need to be retained.

Assuming the above case, if the head of the household dies, the amount of money needed for the family is estimated to be 155.84 million yen, while it is already prepared by the survivor's pension, etc. The fund amount is estimated to be 83,780,000 yen, and the required security amount for deduction is 7,476,000 yen. Ten years later, the required amount of security at the age of 48 is 45.
The required security amount is expected to decrease with time. In the years before retirement, the required amount of security is expected to be negative.
In this case, the changes in the required amount of security by age of the head of the household are shown in Table 1 below and FIG. Therefore, while funding for over 70 million yen is necessary for death at the present time, funding after 60 years of age is not so necessary, and the head of household is slightly over 10 million yen at 83 years old. It was estimated that it was necessary. With regard to death security, it is necessary to take measures based on the results of such analysis.

[0019]

[Table 1]

[0020] On the other hand, when the head of the household has no accidents and retires, the cash flow after the age of 60 is estimated.
(Note that the preconditions for the trial calculation are added in Tables 3 and 4 below). The desired living expenses after retirement is 300,000 yen, and the expenditure at the age of 60 is 3.6 million yen annually. On the other hand, the income received from public pensions such as the old-age welfare pension is 1.48 million yen, and the annual reversal of financial assets at the time of retirement is 250,000 yen annually, for a total of 1.72 million yen. Therefore, the income and expenditure at the age of 60 was 18
The deficit is 80,000 yen. When the head of the household is 65 years old, the amount of the old-age welfare pension has increased to about 2.59 million yen, and the annual balance has been 76
It will decrease to a deficit of 10,000 yen. Furthermore, after the spouse turns 65, the payment of the national pension to the spouse will also start, so the annual balance will decrease to a deficit of 510,000 yen. However, in any case, after the head of the household retires, as shown in Fig. 9, annual reversal of public pension income and financial assets alone cannot cover the desired living expenses for retirement, and retirement security measures are needed now. It is.

[0021]

[Table 2]

[0022]

[Table 3]

[0023]

[Table 4]

In the above case, as a measure against death,
Assuming the current death, funding over 70 million yen is necessary, and the funding when the head of the household is 83 years old can be 10.99 million yen. As for retirement security measures, the householder at the age of 60 has a shortage of 1.88 million yen,
It is necessary to make up for the shortage of 760,000 yen at the age of 65, and 510,000 yen for the spouse at the age of 65, that is, when the head of the household is 68. Achieving such multiple and complex goals and instantly making design proposals for life insurance products and personal annuity products takes several days, even for those skilled in life insurance business and non-life insurance business. The inventor of the present invention first obtained these optimal solutions by arithmetic processing using a two-stage linear programming method using the above-described computer design system.

First, regarding the death security, i the total designed insurance amount is equal to the current required security amount 74.
The condition that it must exceed 760,000 yen X1 + aX2> 74,760,000 yen However, the conversion factor of a is a conversion factor that converts the amount of the pension receipt into the insurance amount to be received at one time. The condition that the maximum required security after the age of 60 must be greater than either 10.99 million yen or 5 million yen x the legally required number of inherited persons. X1 + 0X2> MAX (10,990,000 yen, 5 million yen x 3) iii The condition that the total insurance amount of the two death insurances must be within the total limit of 300 million yen by age at the time of contract X1 + bX2 <300 million yen However, conversion factor for the annuity insurance amount of b iv The condition that the total insurance amount must be within the underwriting limit of 300,000 yen for one individual of the insurance company X1 + cX2 <30000 After satisfying the constraint condition of 10,000 yen, the objective function (X1 + X
The insurance amounts X1 and X2 of death insurance that minimize 2) are obtained.

Next, regarding the individual pension, the total amount of public pension and other income to be paid to the householder and spouse in the year following the start of full payment of the public pension of the householder after retirement of the householder (1.5 million yen + 25 Restriction of 1.88 million yen deducted from the desired living expenses (3.6 million yen) after retirement (1 million yen) 1X3 + 1X4 + 1X5> 1.88 million yen The household head and spouse in the previous year before the full retirement of the household head's public pension Of deficient amount of 760,000 yen, which is the sum of the income of the public pension paid to the elderly (2.6 million yen + 250,000 yen) from the desired living expenses (3.6 million yen) for retirement 0X3 + 1X4 + 1X5> 760,000 yen vii Retirement of head of household The total amount of public pensions paid to the head of the household and the spouse at any time after the start of the payment of the full amount of the public pension of the second spouse (28.5 million yen + 250,000 yen) or the desired living expenses for retirement (3.6 million yen) Restriction of deducted shortage of 51,000 yen 0X3 + 0X4 + 1X5> 510,000 yen viii Restriction of individual pension (in the case of pension payment accumulated accident insurance) minimum pension receipt of 360,000 yen X3> 360,000 yen, X4> 360,000 yen, X5 > 360,000 yen, the objective function (X3 + X4
+ X5) to minimize the annual receivables X3, X4,
Find X5.

As a result of arithmetic processing of the above five optimal solutions, the insurance amount (X1) of the whole life insurance is 15 million yen, the first year insurance amount (X2) of the survivor's pension type term insurance is 2.5 million yen,
The annual receipt (X3) of the individual pension paid for five years from the age of 60 is 1.37 million yen, and the annual receipt (X5) of the individual pension paid for 20 years from the age of 60 is 500,000 (X4 is 0 yen). The computer output screens of these optimal solutions were as shown in FIGS. According to the combination of the insurance product and the individual annuity product shown in these optimal solutions, it is possible to achieve death protection and retirement security fund preparation without excess or shortage.

The insurance premium to be paid for the above-mentioned efficient design is hX1 = 33180 yen, iX2 = 11132
Yen, jX3 = 21050 yen, kX4 = 0 yen, 1X5 = 25
640 yen, and the total is 91002 yen. However, assuming that this household can only pay a maximum of 50,000 yen in a month, the insurance will be allocated to death insurance if it is redesigned according to the death insurance at the time of efficient design and the funding ratio of the individual pension. The insurance premium is 50,000 yen x [(33180 yen + 1
1132 yen) / 91002 yen] = 24350 yen, 2 remaining
5650 yen is the insurance premium allocated to the individual pension.

Therefore, the insurance amount X of the whole life insurance to be subscribed
1L and survivor's annuity payment type term insurance X2L
Ix meets the condition of 33180 yen ≧ 24350 yen, X1L = 24350 yen / 0.0021212 = 1008181
37 yen X2L = 0 yen. Therefore, the insurance amount for the whole life insurance is 1.1 million yen, and the insurance amount for the first year of the survivor's pension payment term insurance is 0 yen.

[0030] Also, the annual receipt X3 of the individual pension to be subscribed
L, X4L, X5L are xiv 21050 yen + 0 yen + 25640 yen ≧ 25650
X3L = 1.37 million yen X4L = 0 yen X5L = (25650 yen-21050 yen-0 yen) /0.05
128 = 89704 yen. However, since X5L is less than the minimum pension receipt amount, it will eventually be 0 yen.

Accordingly, the insurance premium for whole life insurance is 24,350 yen per month, and the premium for personal annuity paid for 5 years from the age of 60 is 210 per month.
It was 50 yen, and the design could be close to the initial budget of 50,000 yen per month.

In the above arithmetic processing, for the value of p,
Although the above-mentioned value (kX1p + iX2p) /M=0.487 was used as a default value, this value can be freely set in the range of 0 to 1 so that a design with an emphasis on death security measures or a retirement security measure is adopted. If the policyholder is allowed to select whether or not to design with emphasis on the following, the following is achieved. On the manual setting screen shown in FIG. 12, if the allocation ratio to the insured death insurance is set to 0.8, that is, 80%, out of 50,000 yen, the insurance premium allocated to the death insurance is 40,000. Yen and the remaining 10,000 yen will be the insurance premium allocated to the individual pension.

Therefore, the insurance amount X of the whole life insurance to be subscribed
1L and survivor's annuity payment type term insurance X2L
Satisfies the condition of x 33180 yen + 11132 yen ≥ 40,000 yen, X1L = 15 million yen X2L = (40,000 yen-33180 yen) /0.0044528
= 1531621 yen (Insurance amount is 1.5 million yen because the insurance amount is purchased in units of 100,000 yen). The monthly business premium calculated from the insurance amount is 39859 yen, which is the sum of 33180 yen and 6679 yen.

Also, the annual receipt X3 of the individual pension to be subscribed
L, X4L, and X5L satisfy the condition of xii 21050 yen ≧ 10,000 yen, and X3L = 10,000 yen / 0.015375 = 650406 yen However, the operating insurance premium of the designed life insurance is 39859 yen , Two-eighths of which is 9964 yen. Therefore,
X3L = 9964 / 0.015375 = 6480065 yen. However, the sales unit is 10,000 yen, and as a result, 6
It is calculated as 40,000 yen. X4L = 0 yen X5L = 0 yen

Therefore, as shown in FIG. 13, the monthly insurance premium for whole life insurance is 33,180 yen, the monthly premium for survivor's annuity payment type term insurance is 6,679 yen, and the monthly premium for personal annuity paid for 5 years from the age of 60 is 9840 yen. And the total is 49699
Monthly payment of yen. As described above, the insurance and pension design can be instantaneously and efficiently performed while adjusting the death security ratio and the retirement security ratio within the limited budget of 50,000 yen per month.

[0036]

According to the constitutions of claims 1 and 2 of the present invention described above, it is possible to efficiently design death security or retirement security regardless of the pattern-specific design method. According to the configuration of claim 3, it is possible to efficiently design the death protection and the retirement security at the same time within the limited funding budget of the customer. It is also possible to freely design a design that emphasizes.

[Brief description of the drawings]

FIG. 1 is a functional block diagram of a computer design system.

FIG. 2 is a menu screen for inputting and correcting family structure data.

FIG. 3 is an input / correction screen menu for business-related data.

FIG. 4 is an input / correction screen menu for lifestyle-related data.

FIG. 5 is an input / correction screen menu for education / marriage-related data.

FIG. 6 is an input / correction screen menu for property / insurance-related data.

FIG. 7 is an input / correction screen menu for retirement / old age / inheritance-related data.

FIG. 8 is an output screen of a graph of a required fund total and a required security amount graph.

FIG. 9 is an output screen of a necessary fund graph for old age.

FIG. 10 is a computer output screen of an optimal solution with a three-dimensional solid bar graph display.

FIG. 11 is a computer output screen of an optimal solution.

FIG. 12 is a manual setting screen having a three-dimensional three-dimensional bar graph display.

FIG. 13 is a manual setting screen.

[Explanation of symbols]

 1 Household File 2 Income Information File 3 Lifestyle Information File 4 Property Insurance Information File 5 Retirement, Retirement, Death, Inheritance Information File 6 Life Insurance Product Configuration File 7 Insurance Product Configuration File

Claims (3)

[Claims] Claims 1. An insurance design that combines the two types of death insurance, a lifetime insurance and a survivor's pension term insurance, against the required amount of security that is expressed in terms of the economic crisis that occurs when an individual dies. In addition, information on the family structure of the individual, household head information related to each date of birth, information on the type of work and annual income, information on children's education and marriage plan, information on future life events, information on property and insurance, retirement allowance and retirement age・
Based on input data on information about death and inheritance plans,
The necessary security amounts A and B are calculated based on the following conditions i to iv by performing time series calculation of the required security amount, and the calculated results are stored as time series data, and the life insurance product configuration stored in advance is stored. From the file, for each gender and age of the individual to be insured, extract each data of the coefficients a, b, and c defined in the constraint formulas of i to iv, and expand them into these constraint formulas. Then, an efficient death insurance design method characterized by performing an operation process that satisfies the constraint condition expressions (i) to (iv) and minimizes the objective function (X1 + X2). i The condition that the total designed insurance amount must exceed the current required security amount A. X1 + aX2> A ii If the total designed insurance amount does not exceed the required security amount B after a certain number of years. X1 + 0X2> Biii The condition that the total insurance amount of the two death insurances must be within the range of the total limit C by age at the time of contract X1 + bX2 <Civ The total insurance amount of the two death insurances is the insurance company X1 + cX2 <D, where X1: insurance amount for whole life insurance X2: amount of annuity insurance for the first year of survivor's annuity-type term insurance a: In case of death Multiplied by the cumulative amount of payment for the survivor's pension term-type term insurance for x years to the amount of the first year's annuity paid. B: Total insurance limit at the time of life insurance contract Conversion factor for the survivor's annuity-based term insurance in the first year when calculating: c: Conversion for the survivor's annuity-based term insurance in the first year when calculating the life insurance underwriting limit coefficient [2] A pension by combining up to three individual pensions with different pension receiving periods against the shortfall in living expenses obtained by subtracting the public pension paid in later stages from retirement living expenses generated after retirement of an individual company. If the design is done, information on the family structure of the individual, household head information related to each date of birth, information on work type, annual income, information on children's education / marriage plan,
Based on input data of information on property and insurance, and information on plans for retirement, retirement, retirement, death, and inheritance, a time-series calculation of the amount of shortage is performed, and shortages E, F, and G under the following constraints v to vii. And store the result of the calculation as time-series data, and determine the pension payment period of the individual pension from the age of the individual who is the insured and the age difference with the spouse from the insurance product configuration file stored in advance. Calculate and expand these constraints as a coefficient of 0 to 1 multiplied by X3, X4, X5 of the constraints of v to vii based on the period, and receive the minimum pension from the insurance product configuration file. The amount H is extracted and expanded into the constraint condition expression viii.
v-viii are satisfied and the objective function (X3 + X
4 + X5) An efficient design method for an individual pension characterized by performing an arithmetic process for minimizing (4 + X5). v Restriction of shortfall E, which is calculated by subtracting the total amount of public pensions paid to the head of household and spouse in the year of full payment of the public pension of the head of household after retirement from the desired cost of life for retirement 1X3 + 1X4 + 1X5> E vi Restriction of shortfall F obtained by subtracting the total amount of public pension paid to the head of the household and the spouse in the previous year from the desired living expenses for the retirement age 0x3 + 1X4 + 1X5> F vii Constraints on shortfall G obtained by subtracting the total amount of public pensions, etc. paid to the head of the household and the spouse at any time after the start of full payment of the public pension of the spouse after retirement of the head of the household from the desired living expenses for retirement Condition 0X3 + 0X4 + 1X5> G viii Restriction on minimum pension receipt amount H of individual pension X3> H, X4> H, X5> H However, X3: Annual receipt of individual pension 1. Individual pension that can be received from the retirement age of the head of the household to before the full payment of the public pension X4: The annual amount of individual pension 2 received. Individual pension that can be received from the retirement age of the head of the household to the age of the head of the household before the full payment of the spouse's public pension X5: The amount of the individual pension 3 received annually. Individual pension that can be received in any period exceeding X3 and X4 from the retirement age of the head of the household 3. An insurance design in which two types of death insurance, a life insurance and a survivor's pension term term insurance, are combined with the required security amount, which represents the economic crisis that occurs when an individual dies. In addition, information on the family structure of the individual, household head information related to each date of birth, information on the type of work and annual income, information on children's education and marriage plan, information on future life events, information on property and insurance, retirement allowance and retirement age・
Based on input data on information about death and inheritance plans,
The necessary security amounts A and B are calculated based on the following conditions i to iv by performing time series calculation of the required security amount, and the calculated results are stored as time series data, and the life insurance product configuration stored in advance is stored. From the file, for each gender and age of the individual to be insured, extract each data of the coefficients a, b, and c defined in the constraint formulas of i to iv, and expand them into these constraint formulas. In addition, while performing the operation processing that satisfies the constraint condition expressions i to iv and minimizes the objective function (X1 + X2), the public expenses that are paid in stages in the later years from the retirement living expenses generated after the retirement of the individual company. If the pension is designed by combining up to three individual pensions with different pension receiving periods against the shortfall in living expenses after deducting the pension, information on the family composition of the individual, household head information related to each date of birth, work industry, Information on annual income, education of children Based on the input data of marriage plan information, property and insurance information, and retirement, retirement, retirement, death, and inheritance plan information, perform a time-series calculation of the shortage and run the shortage under the constraints v to vii below. E, F, and G are estimated, the estimation results are stored as time-series data, and the individual pension is determined based on the age of the individual to be insured and the age difference with the spouse from the insurance product configuration file stored in advance. Is calculated based on the period, and is developed into these constraint conditions as a coefficient of 0 to 1 multiplied by X3, X4, X5 of the constraint conditions of v to vii based on the period. Extract the minimum pension receipt amount H from the file and expand it into the constraint condition expression viii.
v-viii are satisfied and the objective function (X3 + X
4 + X5) is performed, and when the limit payable by the customer is set to L, it is allocated to the life insurance for realizing the best death security and retirement security calculated by the insurance design and pension design. Per funding ratio p
(KX1p + iX2p) / M can be changed in the range of 0 to 1 as a default value, and the insurance amount X1L of the whole life insurance to be enrolled and the insurance amount X2L of the first year of the survivor's pension payment type term insurance are ix to xi below. X1L that meets any of the conditions
And X2L, the annual amount of personal pension to be subscribed X3L,
A death insurance and individual pension efficient simultaneous design method, wherein X4L and X5L are subjected to conditional branch processing to be X3L, X4L and X5L that meet one of the following conditions xii to xiv. i The condition that the total designed insurance amount must exceed the current required security amount A. X1 + aX2> A ii If the total designed insurance amount does not exceed the required security amount B after a certain number of years. X1 + 0X2> Biii The condition that the total insurance amount of the two death insurances must be within the range of the total limit C by age at the time of contract X1 + bX2 <Civ The total insurance amount of the two death insurances is the insurance company X1 + cX2 <Dv The public pension paid to the head of household and spouse in the year when the full head of retirement of the head of household is started Restriction on shortfall E, which is calculated by subtracting total income from desired living expenses after retirement 1X3 + 1X4 + 1X5> E vi In the year before the full payment of the public pension of the retired spouse of the head of the household Restriction of shortage F obtained by subtracting the total amount of public pension paid to the head of the household and spouse from the desired living expenses after retirement 0X3 + 1X4 + 1X5> F vii After the start of the full payment of the public pension of the retired spouse of the head of the household Of shortage G obtained by subtracting the total amount of public pensions paid to the head of the household and spouse during the period from the desired living expenses for retirement 0X3 + 0X4 + 1X5> Gviii Constraints on minimum pension amount H of individual pension X3> H, X4> H, X5> Hix When hX1≥L * p X1L = (L * p) / h X2L = 0 x hX1 + iX2≥L * p X1L = X1 X2L = (L * p-hX1) / ixi If hX1 + iX2 <L * p X1L = (L * p−iX2) / h X2L = X2 xii jX3 ≧ L * (1-p) X3L = L * (1-p) / j X4L = 0 X5L = 0 xiii When jX3 + kX4 ≧ L * (1-p) X3L = X3 X4L = [ * (1-p) -jX3] / k X5L = 0 xiv jX3 + kX4 + 1X5≥L * (1-p) X3L = X3 X4L = X4 X5L = [L * (1-p) -jX3-kX4] / l X1: Life insurance amount X2: Annuity payment amount in the first year of survivor's pension type term insurance X3: Annual retirement amount of individual pension 1. Individual pension that can be received from the retirement age of the head of the household to before the full payment of the public pension X4: The annual amount of individual pension 2 received. Individual pension that can be received from the retirement age of the head of the household to the age of the head of the household before the full payment of the spouse's public pension X5: The amount of the individual pension 3 received annually. Individual pension that can be received in any period exceeding X3 or X4 from the retirement age of the head of the household. A: Cumulative amount paid for x years of survivor's pension type term term insurance in the event of death Multiplier b: Conversion factor for annuity payment amount in the first year of survivor's annuity payment type term insurance when calculating total insurance limit at the time of life insurance contract c: Survivor's pension when calculating life insurance underwriting limit Conversion factor for pension-paid insurance amount in the first year of pay-type term insurance p: ratio of funds allocated to life insurance for achieving the best death and retirement security (kX1p + iX2p) / M = pM: amount of funds payable ( hX1p + iX2p) + (jX3p + kX4p + 1X5p) = M (hX1p + iX2p): Premium for realizing the best death guarantee (jX3p + kX4p + 1X5p): Best elderly Insurance premium for realizing security X1p: Solution of the whole life insurance amount calculated by the above insurance design X2p: Solution of the first year insurance amount of the survivor's pension payment term insurance obtained by the above insurance design X3p: The above The solution of the annual receipt of the individual pension X3 obtained by the pension design X3p: The solution of the annual receipt of the individual pension X4 obtained by the above pension design X5p: The solution of the annual receipt of the individual pension X5 obtained by the above pension design Solution h: Life insurance premium per 1 yen of insurance amount i: Insurance premium per 1 year of insurance amount for survivor's pension payment term insurance j: Insurance premium per 1 yen of individual pension X3 k: Individual pension X4 L: insurance premium per yen of individual pension X5 L * p: insurance premium L * (1) assigned to the life insurance when the limit payable by the customer is L -P): customer's Insurance premiums that are assigned to an individual pension when the limit to obtain is L