JPH10254970A - Method for efficiently designing corporation insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for efficiently designing a corporation insurance without adopting a designing system by patterns. SOLUTION: The required insurance amount on four limit conditions is calculated as a test and the result of test calculation is stored as time serial data by executing the time serial calculation of required guarantee amount while referring to a business statistic value file 4 based on input data such as basic corporation information such as the kind of corporation and fund money, sales and taxed income amount, executive member information, information concerning profit calculation statement items, information concerning business continuation fund and information concerning the book prices of lend/barrow collation table items and the business settlement fund of time value. Then, data for each merchandise class of routine multiplication insurance to be specified by a limitation conditional expression concerning the sex/age of industry manager as insured person are calculated from a previously stored life insurance merchandise constitutive file 5 and arithmetic processing to satisfy the limitation conditional expression and to minimize a target function is performed.

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 plurality of life insurances which are treated as a corporate contract with an insured person as a business owner, for the required amount of security at present and after a certain number of years. .

[0002]

2. Description of the Related Art In the event that a corporate manager such as a representative director who is the central figure in corporate management dies from an accident or illness,
The corporation pays death and severance payments and condolences to the bereaved family members of the company, and faces a temporary shortage of funds due to a decrease in sales due to the death of the core company. If the shortage of funds is prolonged, companies will need to be liquidated. The required amount of security, expressed in monetary terms, of such an economic crisis increases or decreases depending on when these situations occur, but is generally expected to increase over time. Therefore, as a countermeasure on the corporate side, it is necessary to combine and cover a plurality of insurances and prepare for these situations. In the life insurance business, if you try to design insurance based on the needs of such corporations, not only will you select the type of insurance and set the amount of insurance, but also you will meet the restrictions in the insurance provisions while over and under the required amount of insurance Life insurance must be combined without the need for insurance expertise,
Since a complicated calculation is performed by trial and error, it takes several days. On the other hand, in recent years, a system has been introduced in which insurance can be designed instantly by inputting necessary items using a personal computer, etc., so that those seeking insurance are freed from these cumbersome tasks and proposed to customers. The time required to create a book or plan is reduced. Further, the customer side can easily select a plurality of insurances according to his or his own needs, and as a result, the insurance cost can be reduced, which is also an incentive to join insurance.

[0003]

However, the design performed by the personal computer system is an automatic design for each pattern, and if it becomes necessary to perform a design that is not in the pattern because it violates some restriction conditions accompanying various insurances, It is difficult to design such that it can be efficiently allocated to various types of insurance. The present invention was conceived in view of the above-mentioned problems of the prior art, and aims to provide an efficient design method of corporate insurance that can efficiently design corporate insurance without depending on a design method for each pattern. is there.

[0004]

As described above, the required security amount obtained by replacing the economic crisis of a corporation with the amount tends to increase with the passage of time, so that an insurance product suitable for compensating for this. The term is defined as term insurance or whole life insurance with a fixed amount of insurance, and 3%, 5%, 7
It is considered that a combination with a type of increasing term insurance that increases at a rate such as% is suitable. However, it is necessary to design a combination of these insurances so that the total amount of term insurance and incremental term insurance is not too short or too long after the required amount of security has been increasing each year. It is not easy for the following reasons. Incremental term insurance is a covenant for many insurance companies and requires a simultaneous contract with the main policy, such as lifetime insurance or term insurance. Although the insurance amount of the gradually increasing term insurance increases at a fixed rate every year at simple interest rate or compound interest rate, the insurance policy of the first year has an upper limit of 3 or 5 times the insurance policy. There is a restriction that the sum of the maximum insurance amount of the term-increasing term insurance in the final insurance year and the insurance amount of term insurance must be equal to or less than the insurance company's underwriting limit (for example, 300 million yen, 500 million yen). Even within the same insurance company, the increasing rate is 3%, 5%,
There are incremental term insurances with various rates of increase, such as 7% and 10%. In addition, the above-mentioned personal computer design system is a method of automatically combining term insurance and incremental term insurance against the required amount of security calculated by time series calculation. They set the amount to a fixed amount and prepared a pattern that matched the case of making adjustments with term insurance to solve the insurance combination. However, there is no guarantee that the above-mentioned method meets the demand for designing the term insurance and the increasing term insurance as much as possible with respect to the required security amount. Further, even among the same insurance companies, there is an increasing term insurance with various increasing rates such as an increasing term rate of 3% to 10% and the like. Automatic design is implemented after being selected and fixed artificially, and as a result of the automatic design, the one with the increasing periodic rate suitable for the insurance design is not selected.

[0005] After identifying such problems, the present inventor has conducted various studies on configurations that allow efficient design of corporate insurance without depending on the above-described design method by pattern. The present application comprising the following steps using the above has been completed.

[0006] Therefore, the efficient design method of corporate insurance according to the present invention is based on two types of deaths, term insurance and gradual term insurance, for the required amount of security, expressed in monetary terms, of the economic crisis that occurs when a corporate manager dies. If insurance is designed in combination with insurance, corporate basic information such as the type of company, capital, sales, taxable income, date of birth of officer, title, monthly remuneration, rate of remuneration / increase, Officer information on years of office, achievement ratio, desired retirement age, etc., information on income statement items such as labor costs, employee salaries, rent, cash / deposits, notes receivable,
Based on information related to business continuity funds such as accounts receivable, notes payable, accounts payable, short-term borrowings, and input data on the book value of balance sheet items and information on business clearing funds at market value, a financial statistics file stored in advance is stored. The necessary security amounts A and B under the following constraints i to iv are trial-calculated by referring to the time-series calculation of the required security amount, and the trial calculation results are stored as time-series data. From the insurance product configuration file, the data of the coefficients a, b, and c for each product type of incremental term insurance defined by the constraint conditions of i to iv for the gender and age of the business owner who is the insured. Extraction or calculation is performed to expand these constraints, and then the constraints i to iv are satisfied and the objective function (X1
The basic feature is that arithmetic processing for minimizing + X2) is performed. i The condition that the total designed insurance amount must exceed the current required security amount A. X1 + X2> A ii If the total designed insurance amount does not exceed the required security amount B after a certain number of years. X1 + aX2> B iii The total amount of insurance for the two death insurance is equal to the contracted amount. X1 + bX2 <Civ The condition that 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 However, X1: insurance amount for term insurance X2: insurance amount for the first year of incremental term insurance (insurance amount is increased at a rate of 3%, 5%, 7%, etc. in simple or compound interest each year) C) a: The ratio of the insurance amount of the progressive term insurance after the elapse of an arbitrary number of years to the insurance amount of the first year b: The insurance amount of the first term of the progressive term insurance when calculating the total insurance limit at the time of the life insurance contract Conversion factor for c: Maximum multiplication factor for the amount of insurance for the first year of incremental term insurance when calculating the life insurance underwriting limit

The two-step linear programming method that satisfies the above constraint conditions i to iv and minimizes the objective function (X 1 + X 2) is actually performed as follows: X 6, X 8, X 10,
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. i X1 + X2 -X6 + X7 = A ii X1 + aX2 -X8 + X9 = B iii X1 + bX2 + X10 + X11 = Civ X1 + cX2 + X12 + X13 = D i-iv. The problem of minimizing W is solved by the ordinary simplex method, and the artificial variables are eliminated from the basis. 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.

[0002] Incremental term insurance is 3%, 5%, 7%,
Various types are available, such as an increase in insurance amount at simple interest or compound interest such as 10%. However, the values of a, b, and c in the above-mentioned constraint condition are different for each gradually increasing term insurance. The solutions of X1 and X2 derived by the two-step simplex method are different. At that time, the insurance amounts X1 and X2 are calculated for each type of the term term insurance, and the term term insurance with the minimum value of (X1 + X2) is selected as a solution of the design.

[0009]

[Operation] As described above, within the framework of the restrictions on the enrollment limit and underwriting limit for multiple insurance products at the time of a corporate insurance contract, a combination of life insurance that ensures the necessary amount of security for the corporation as much as possible is as follows: Trying to design by hand means spending a lot of time, even with insurance and mathematical knowledge and years of experience.

[0010] Even when these designs are performed by a pattern-by-pattern design method, efficient design cannot be performed in the case of a combination pattern not included in a prepared pattern. In the configuration of the present invention described above, efficient allocation of corporate insurance can be realized by performing arithmetic processing using a two-stage linear programming method as a calculation method without using a pattern-specific design method.

[0011]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below. FIG. 1 is a functional block diagram of a computer design system used when implementing the efficient design method of corporate insurance according to claim 1. FIGS. 2 and 3 show data input / output for each data input in FIG. FIG. 4 shows a correction screen menu, and FIGS. 4 and 5 show output screens for displaying calculation results in the system.

First, the present design system is based on the basic information of the corporation such as the type of corporation, capital, sales, taxable income, the date of birth of the officer, the position, the monthly remuneration, the rate of increase and the amount of remuneration, the number of years in office, Business continuation funds such as officers' information on achievement ratio, desired retirement age, information on income statement items such as labor costs, employee salaries, rent, cash and deposits, notes receivable, accounts receivable, notes payable, accounts payable, short-term loans, etc. , Information on the book value of the balance sheet items and the business liquidation fund of the market value are entered, and each data is temporarily stored in the officer information file 1, the business continuity fund file 2, and the business liquidation fund file 3, and further stored in them. Based on the data of the financial statistics file 4, a time-series calculation of the required security amount from the present to the age of 90 is performed, and the current required security amount A and any The necessary security amount B at the time is estimated, the results of the estimation are stored as time-series data, and the life insurance product composition file 5 is used to determine the gender of the insured corporate executive (representative director in this embodiment). For each age, extract or calculate the data of the coefficients a, b, and c for each product type of incremental term insurance defined by the constraint formulas of i to iv, and develop them into these constraint formulas. Then, based on the two-step linear programming method, we will design efficient term and incremental term insurance.

As shown in FIGS. 2 to 5, the age of the representative director is 46 years, the capital is 10 million yen, and the sales are 6540.
In order to design insurance for a corporation whose main business is the paper products manufacturing industry with a taxable income of ¥ 80,000 and a taxable income of ¥ 8.2 million, a combination of term insurance and incremental term insurance for the death of the representative director When the computer design system performs the above calculation processing, the following is obtained.

As shown in the basic corporate information registration screen of FIG. 2, the basic corporate information includes the age of the representative director,
The capital, sales, taxable income, and main business are entered.
Also, as executive information, the corporate representative director has been in office for 10 years.
Yearly, the current monthly remuneration is 1 million yen and will increase by 100,000 yen every year in the future. It is entered that the maximum amount of money is 7.345 million yen and the amount of condolence money paid is six times the amount of executive compensation.

According to the financial information input screen shown in FIG. 3, as information on the items of the income statement, the executive remuneration is 12 million yen, the employee salary is 31.32 million yen, and the legal welfare expenses are 1105 yen.
10,000 yen, direct labor costs 47.34 million yen, indirect labor costs 398
Ten thousand yen and rent and rent are entered as 4.7 million yen, and assuming that the rate of increase in SG & A and manufacturing costs is 1% per year, it is used as the basis for calculating fixed costs. The fixed cost of life insurance after the officer's death shall be prepared for two months.

Further, as information relating to the business continuation fund, the cash deposit balance is 22 million yen, the bill receivable is 13 million yen,
Accounts receivable ¥ 9.5 million, notes payable ¥ 9.5 million, accounts payable 1
It is assumed that 3.4 million yen and short-term borrowings are 467.7 million yen, and the rate of increase of balance sheet items in the future is 1%. After sales activities are suspended, bills payable, accounts payable, and short-term borrowings have a short-term flow of funds, and notes and accounts receivable have a short-term inflow of funds, and the former exceeds the latter. Assume that 30% of cash deposits can be reversed.

The transition of the required security calculated on the premise of the above input data is as shown in the transition table on the screen shown in FIG. According to it, the current security requirement is 9641
10,000 yen, when the retirement age is 65 years old, 16.209 million yen, 7
At the age of 0, it is 1,687,300 yen. With regard to the death protection of the representative director, it is necessary to take countermeasures based on such analysis results.

The inventor of the present invention uses the above-mentioned computer design system to calculate the insurance amount (insurance amount of term insurance) that can be applied to the required amount of security by combining term insurance and increasing term insurance by means of arithmetic processing by two-step linear programming. X1 +
The optimal solution for the insurance amount X2) of the gradually increasing term insurance was obtained. In this calculation processing, the insurance amounts X1 and X2 of death insurance that satisfy the following constraint conditions i to iv and minimize the objective function (X1 + X2) are obtained.

I The condition that the total designed insurance amount must exceed the current required security amount of 9.416 million yen X1 + X2> 964.10 million yen ii The total designed insurance amount is required for the representative director at the age of 65. X1 + aX2> 16,209,000 yen However, the conversion factor of a is a conversion factor that converts the amount of insurance money received into the insurance amount of the insurance to be received at one time. Iii The amount of insurance for two death insurance The condition that the total must be within the range of the total limit of 300,000 yen by the age at the time of contract X1 + bX2 <300,000 yen However, the conversion factor for the annuity paid in b is iv. X1 + cX2 <300 million yen under the condition that the underwriting limit for one individual must be within 300 million yen

FIG. 5 shows a corporate defense course output screen as a result of the insurance design executed by the above method. According to the report, the amount of insurance for term insurance was 52.3 million yen, and that for term-increasing term insurance was 37.6 million yen for the first year with a special contract that increased by 7% every year. As a premise, it is assumed that the maximum insurance amount of the proposed insurance company after the escalating term insurance special contract is increased is three times the insurance amount of the first year. The total insurance amount at the age of 70 is 1.6873 million yen, which is almost the same as the required amount of security at the age of 70.

[0021]

According to the configuration of the present invention described in detail above, efficient design of corporate insurance can be performed without using a design method for each pattern.

[Brief description of the drawings]

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

FIG. 2 is a corporate basic information registration screen in the computer design system.

FIG. 3 is a financial information input screen in the computer design system.

FIG. 4 is a computer output screen showing a required security amount transition in the computer design system.

FIG. 5 is a corporate defense course output screen in the computer design system.

[Explanation of symbols]

 1 Executive information file 2 Business continuity fund file 3 Business liquidation fund file 4 Financial statistics file 5 Life insurance product composition file

Claims (1)

[Claims] Claims 1. An insurance design that combines the two types of death insurance, term insurance and incremental term insurance, against the required amount of security that represents the economic crisis that occurs when a business owner dies. , Corporate industry information, basic corporate information such as capital, sales, taxable income, etc., officer's date of birth, title, monthly remuneration, rate of remuneration / increase, number of years in office, number of achievements, desired retirement age, etc. Officer information, labor costs, employee salaries,
Information on income statement items such as rent, cash and deposits,
Based on information relating to business continuity funds such as notes receivable, accounts receivable, notes payable, accounts payable, short-term borrowings, and information on the book value of the balance sheet items and information on the business clearing funds of the market value,
The necessary security amounts A and B under the following conditions i to iv are trial-calculated by executing a time-series calculation of the required security amount with reference to a financial statistical value file stored in advance, and the trial calculation results are used as time-series data. From the life insurance product configuration file stored in advance, for each gender and age of the business owner who is the insured, An operation of extracting or calculating each data of the coefficients a, b, and c and expanding the data into these constraint expressions, and then satisfying the constraint expressions i to iv and minimizing the objective function (X1 + X2). An efficient method of designing corporate insurance characterized by performing processing. i The condition that the total designed insurance amount must exceed the current required security amount A. X1 + X2> A ii If the total designed insurance amount does not exceed the required security amount B after a certain number of years. X1 + aX2> 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 is the insurance amount of term insurance X2 is the insurance amount of the first year of increasing term insurance a: The amount of insurance for increasing term insurance after a certain number of years Ratio of insurance amount to insurance amount for the first year b: For the insurance amount for the first year of incremental term insurance when calculating the total insurance limit at the time of life insurance contract Calculated coefficient c: the maximum magnification for the insurance amount of the first year of increasing term insurance in calculating the underwriting limits of life insurance