KR101927867B1 - System for escalating the overall insurance rate based on the new variable insurance sales mechanism and method thereof - Google Patents

Abstract

The present invention relates to a total insurance return rate escalating system for variable insurances based on a novel variable insurance selling mechanism for enabling the sales of insurances with the return rate of 0% and a method thereof. According to an embodiment of the present invention, the total insurance return rate escalating system for variable insurances includes: a collection unit which collects the insurance information of insurance clients wanting pensions through a middle withdrawal while having multiple insurances including one or more variable insurances; a pension calculation unit for calculating the annual return rate of the collected insurance information as well as calculating an available pension amount based on the return rate; and a sequential arrangement unit which sequentially arranges the pensions by using a scheme of utilizing the one with the minimum return rate among the insurances with the calculated return rates as the pension resources from the pension initiation point to the pension termination point while maintaining the remaining insurances for the corresponding period.

Description

Technical Field [0001] The present invention relates to a system and method for evaluating an overall insurance rate of variable insurance based on a new variable insurance sales mechanism that enables a sales rate of 0%

The present invention relates to insurance and pension technology.

Variable insurance is an insurance product that invests a part of the insurance premiums paid by the policyholders in stocks or bonds and distributes the investment performance to the contractors according to their performance. It is developed and sold based on the theory that it can increase the amount of the guaranteed guarantee or the pension receipt. Particularly, the subscription is rapidly increasing in accordance with the low interest rate era. Variable insurance is one of the main insurance products that will be sold steadily in the future, as in other countries.

As variable insurance products, there is pension insurance that the policyholder has variable insurance and can convert to pension. However, when the pension is converted, the applicable interest rates are relatively low, such as 0.5% and 1%. It is also possible to expect a number of times when the yield of variable insurance increases sharply during the life span of decades until the end of pension. It is because of the high profitability that might happen someday, I joined the variable insurance for the first time, but after the start of the pension for decades, I missed the possibility of such a possibility, and I am reluctant to start my pension life by switching to pension at fixed low interest rate.

According to one embodiment, a system and method is proposed for variable insurance to escalate the overall insurance rate so that a customer would like to have variable insurance even if the customer has a variable insurance return rate of 0%.

The total insurance return rate of the variable insurance according to an embodiment includes a collection unit for collecting insurance information of an insurance contractor who wants to live a pension through a middle withdrawal with a plurality of insurance including at least one variable insurance, A pension calculation unit that calculates the annual rate of return for each insurance using the insurance information and calculates the amount of pension receivable based on the rate of return, and the minimum rate of return insurance Includes sequential arrangements that are put into pension funds and the pension plan is sequenced in such a way that the rest of the plans are staggered during that period.

The sequential arrangements are arranged such that the insurance with the lowest return is alternately put into the pension fund every year by comparing the annual rate of return regardless of whether the insurance is fixed interest rate insurance or variable insurance. In case of variable insurance, This can be done either with direct pension funds or with sibling insurance as a pension fund, so that the total insurance return rate of the variable insurance, which raises the total insurance efficiency to the end of the annuity every year, can be performed together.

The pension calculation department calculates the average value of the minimum interest rate and the declared interest rate for the year if the insured's insurance is a fixed interest rate and the pension return rate if the insured's insurance is variable insurance. From the second year of the pension plan, the expected rate of return is calculated, based on whether there is an intermediate withdrawal in the relevant year, and the pension benefit can be calculated uniformly annually since the start of the pension .

을 이용하여 변액보험의 연금 개시 예상 수익률을 산출하고 연금 개시 1년차 변액보험 수익률에 산출된 연금 개시 예상 수익률을 대입할 수 있다. 여기서, ap는 총 불입금, am은 연금 개시 직전연도의 해지환급금, a1은 불입 만기 나이, a2는 연금 개시 나이이다. 순차적 배치부는 연금 개시 1년차 보험 수익률들 중에서 최저 수익률 보험에서 중도인출되도록 하고 나머지 상품은 해당 금리로 1년간 원리금을 적립할 수 있다.The pension calculation unit calculates,

, The expected return of pension at the start of the variable insurance can be calculated and the estimated expected rate of return of the pension at the beginning of the annuity first year variable insurance rate can be substituted. Here, ap is the total contribution, am is the termination reimbursement for the year immediately preceding the start of the pension, a1 is the maturity date, and a2 is the pension initiation age. The sequential arrangements are to make a minimum withdrawal from the minimum rate of return insurance premiums for the first year of the annuity premiums, and the remaining products may accumulate the principal in one year at the interest rate.

The annuity calculation department calculates the return rate using the formula (a / b) -1 in the case of variable insurance where there is no intermediate withdrawal in the relevant year from the second year of the annuity start, and in the case of variable insurance, a + p) / b) -1 can be used to calculate the return. Where a is the termination refund notified by the insurer at the end of the previous year, b is the termination refund notified by the insurer at the end of the previous year, and p is the median withdrawal. The sequential placement department will be able to withdraw the minimum yield from the annuity insurance annually from the second year of the annuity and earn interest for the remaining products at the interest rate for one year.

The pension calculation department may recalculate a new annually residual pension receivable that corresponds to the residual resources that fluctuate each year in the event of a change in at least one of returns, changes in the amount of withdrawal, and changes in the pension residual funds.

The sequential arrangement section judges whether the insurance is a fixed interest rate insurance or a variable insurance if the insurance with a balance of one year's worth of pension does not appear at the time of sequential arrangement. If the interest rate insurance is a fixed interest rate insurance, The insurance can be arranged in the order of the remaining insurance, leaving the balance as it is, and finally paying in addition to the other insurance.

The overall insurance return rate of variability insurance may further include a pension re-calculator to ship additional pension receipts to receive the remaining balance in the sequential deployment as an additional pension. The pension re-calculation unit generates a control group having a pension of a1 and a balance of x1 for comparison with the existing group having the remaining balance x through the sequential arrangement, and calculates the pension moving distance and the pension moving distance, The pension shift distance to which the control pension (a1) is to be further moved so that the balance of the remaining balance (x1) becomes 0, and the control pension (a2) to make the control balance x1 as zero, A more receivable pension receipt amount can be calculated by the way that the control pension (a2) enters the control pension (a1) seat and circulates. (X1) - Existing group balance (x), pension travel distance per pension travel distance (p) = (x1 - p1) x) / (a1-a), the pension shift distance (q1) in which the control pension (a1) needs to be further moved so that the control balance (x1) (p) and the adjusted pension a1 (a2) = a1 + q, which can make the control balance (x1) zero.

According to another aspect of the present invention, there is provided a method of calculating a total insurance return rate for insurance coverage of a variable insurance according to another embodiment, comprising the steps of: collecting insurance information of an insurance contractor who wants to live a pension through a middle withdrawal with a plurality of insurance including at least one variable insurance; , Calculating the annual rate of return of each insurance using the collected insurance information and calculating the amount of pension receivable based on the rate of return, and calculating the minimum rate of return insurance This includes the step of placing pensions in a manner that is injected into the pension fund and the remainder of the insurance period for the period covered.

According to the total insurance return rate system and method of the variable insurance according to the embodiment, the variable insurance obtains a total synergistic effect by merging the <return volatility> and the <sequential function> of the variable insurance, . For example, a year in which variability insurance itself has a low rate of return, the variable insurance itself is put into pension resources, and the sibling insurance, which has a higher rate of return or interest rate, is increased during the period. In some years, when the rate of return of the variable insurance increases, it increases as it is put on hold, and the sibling insurance, which has a lower rate of return than itself, is put into the pension fund. As a result, it is possible to proceed to the end of the annuity life by making sure that the sibling insurance, including oneself.

This escalating system can provide customers with new variable sales techniques that satisfy all customers, insurers and planners, and customers want to be covered by variable insurance even if the variable insurance rate is 0%. When an insurer or an insurance planner sells variable insurance to a customer, they sometimes give up the expected rate of return of the variable insurance, sometimes inflating the yield of the variable insurance, or selling the variable insurance by packing the excessive profit. This causes a lot of complaints. According to the escalating system according to the embodiment, it is possible to induce the customer to enroll in variable insurance by imagining the synergy effect that occurs when the <return volatility> of the variable insurance becomes &quot; sequential &quot;. In other words, there is no need to talk to the customer about the expected return of the variable insurance at the beginning, and the merit of the <sequential> function is that the customer can imagine that the yield of the variable insurance may rise or fall. It is to join. This new variable sales mechanism can satisfy both customers, insurers, and designers, and it is possible to sell variable insurance with a completely different mechanism. From this point of view, it can be said that a new variable sales system in which customers want to purchase variable insurance even if the variable insurance return rate is 0%.

FIG. 1 is a view showing a configuration of an overall insurance return rate escalating system (hereinafter referred to as an 'escalating system') of a variable insurance according to an embodiment of the present invention,
FIG. 2 illustrates a detailed configuration of the control unit of FIG. 1 according to an embodiment of the present invention.
FIG. 3 is a view showing an example of a pension receivable amount receivable by a general method when a policyholder lives a pension life with a plurality of insurance policies,
4 is a view showing an example of a pension receivable amount receivable by a sequential pension calculation method according to an embodiment of the present invention;
5 and 6 are diagrams showing a case in which, when the policyholder lives a pension with a plurality of insurance products including at least one variable insurance, a program showing that the optimal pension can be collected through the pension calculation program according to the embodiment of the present invention FIG.
FIGS. 7A to 7M are diagrams for explaining a pension calculation program for indicating how much a pension can be actually received in addition to a balance remaining in comparison with a conventional simultaneous pension conversion scheme in a sequential pension arrangement according to an embodiment;
FIG. 8 is a diagram showing a universal annuity calculation program for calculating a new stable annuity amount (a middle withdrawal amount) in response to an environmental change according to an embodiment of the present invention;
FIG. 9 is a diagram showing an example of a plan for connecting two insurance policies held by an insurance policyholder in order to explain the principle of total insurance return rate of variability insurance according to an embodiment of the present invention,
FIG. 10 is a view showing the amount of pension receivable when a pension is received in a general manner in the embodiment of FIG. 9;
FIG. 11 is a view showing the amount of pension receivable when a pension is received in a sequential manner in the embodiment of FIG. 9;
FIG. 12 is a drawing showing the amount of pension receivable when a pension is received in a general manner in the case where a high profit such as variable insurance occurs,
FIG. 13 is a view showing a balance when a pension is received in a sequential manner in the example of FIG. 12 according to an embodiment of the present invention; FIG.
FIG. 14 is a diagram showing a case where the amount of pension receipt is increased in the situation of FIG. 13;
FIG. 15 is a diagram showing an example in which the universal annuity calculation program of FIG. 10 is attached to the preparation process according to the embodiment of the present invention,
16 and 17 illustrate user input of a pension calculation program for total insurance escalating according to an embodiment of the present invention,
18 and 19 are diagrams showing a pension calculation screen of a pension calculation program for total insurance escalating according to an embodiment of the present invention,
20 and 21 are diagrams illustrating a program screen for explaining a balance processing method of a pension calculation program for total insurance escalating according to an embodiment of the present invention;
FIG. 22 is a view showing an entire insurance return rate escalating process of variability insurance according to an embodiment of the present invention,
Figure 23 illustrates a sequential batch process of Figure 22, in accordance with an embodiment of the present invention;
FIG. 24 is a diagram illustrating a process of redeeming an additional pension receipt amount so as to additionally receive a remaining remaining amount in a sequential arrangement according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The advantages and features of the present invention and the manner of achieving them will become apparent with reference to the embodiments described in detail below with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as being limited to the embodiments set forth herein. Rather, these embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art. Is provided to fully convey the scope of the invention to those skilled in the art, and the invention is only defined by the scope of the claims. Like reference numerals refer to like elements throughout the specification.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS In the following description of the present invention, detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. , Which may vary depending on the intention or custom of the user, the operator, and the like. Therefore, the definition should be based on the contents throughout this specification.

Each block of the accompanying block diagrams and combinations of steps of the flowcharts may be performed by computer program instructions (execution engines), which may be stored in a general-purpose computer, special purpose computer, or other processor of a programmable data processing apparatus The instructions that are executed through the processor of the computer or other programmable data processing apparatus will produce means for performing the functions described in each block or flowchart of the block diagram.

These computer program instructions may be stored in a computer usable or computer readable memory capable of directing a computer or other programmable data processing apparatus to implement a function in a particular manner, It is also possible for the instructions stored in the block diagram to produce an article of manufacture containing instruction means for performing the functions described in each block or flowchart of the flowchart.

And computer program instructions may also be stored on a computer or other programmable data processing apparatus so that a series of operating steps may be performed on a computer or other programmable data processing apparatus to create a computer- It is also possible for the instructions to perform the data processing apparatus to provide steps for executing the functions described in each block of the block diagram and at each step of the flowchart.

Also, each block or step may represent a portion of a module, segment, or code that includes one or more executable instructions for executing the specified logical functions, and in some alternative embodiments, It should be noted that functions may occur out of order. For example, two successive blocks or steps may actually be performed substantially concurrently, and it is also possible that the blocks or steps are performed in the reverse order of the function as needed.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The embodiments of the present invention are provided to enable those skilled in the art to more fully understand the present invention.

FIG. 1 is a view showing a configuration of an overall insurance return rate escalating system (hereinafter referred to as an 'escalating system') of a variable insurance according to an embodiment of the present invention.

The present invention is intended for policyholders who wish to live a pension life with an annual withdrawal fee. At this time, the coverage includes not only fixed interest rate insurance but also variable insurance. In the escalating system 1 according to the embodiment, variable benefit insurance <rate of return volatility> meets < sequential function > For example, a year in which variability insurance itself has a low rate of return, the variable insurance itself is put into pension resources, and the sibling insurance, which has a higher rate of return or interest rate, is increased during the period. In some years, when the rate of return of the variable insurance increases, it increases as it is put on hold, and the sibling insurance, which has a lower rate of return than itself, is put into the pension fund. As a result, the pension life will continue until the end of the pension life, ensuring that even the sibling insurance, including oneself, is achieved at the highest efficiency.

This escalating system (1) provides a new variant sales technique where customers can satisfy all customers, insurers and planners, and customers want to be covered by variable insurance even if the variable insurance rate is 0%. When an insurer or an insurance planner sells variable insurance to a customer, they sometimes give up the expected rate of return of the variable insurance, sometimes inflating the yield of the variable insurance, or selling the variable insurance by packing the excessive profit. This causes a lot of complaints. According to the escalating system 1 according to the embodiment, it is possible to induce the customer to enroll in the variable insurance by imagining the synergy effect that occurs when the <return volatility> of the variable insurance becomes &quot; sequential &quot;. In other words, there is no need to talk to the customer about the expected return of the variable insurance at the beginning, and the merit of the <sequential> function is that the customer can imagine that the yield of the variable insurance may rise or fall. It is to join. This new variable sales mechanism can satisfy both customers, insurers, and designers, and it is possible to sell variable insurance with a completely different mechanism. From this point of view, even if the variable insurance return rate is 0%, it is a new variable sales system in which customers want to purchase variable insurance.

Hereinafter, the configuration of the escalating system 1 having the above-described characteristics will be described in detail below.

1, the escalating system 1 includes a collecting unit 10, a control unit 12, an output unit 14, and a storage unit 16. This escalating system 1 can be located in a computer and can be operated via a program.

The collecting unit 10 collects information necessary for escalating the total insurance return of the variable insurance of the control unit 12. It is possible to receive information directly from the insurance contractor by the collection method, and to be connected with the insurance company server through the network communication and receive the information from the insurance company. In addition, information previously stored in the storage unit 16 may be loaded.

The information collected by the collecting unit 10 according to an embodiment includes insurance information of an insurance contractor desiring to receive a pension through a middle withdrawal. The insurance information includes the personal information of the policyholder. Personal information is information that can identify the policy contractor so that the policy contractor can inquire information about the insurance contract. For example, a resident registration number, an insurance member number, a contract number, and the like, but is not limited thereto. The insurance information may include insurance company, name of insurance, type, amount of monthly payment, age at start of pension, age at end of pension, interest rate, actual pension to be used for withdrawal, actual pension funds, It is not. The policyholder can enter his / her pension initiation age, pension termination age, interest rate, actual receivable pension to be used as a municipal withdrawal, actual pension fund, etc. in numerical form.

The control unit 12 calculates the annual return of the insured by using the information collected by the collecting unit 10 and calculates the minimum return rate of the insured insurance from the beginning to the end of the annuity They are put into pension funds and the pensions are placed in a sequential manner in such a way that the remainder of the insurances are deferred during that period. Therefore, it is possible to escalate the total insurance return of variable insurance. The detailed configuration of the control unit 12 will be described later with reference to Fig.

The output unit 14 outputs various kinds of information to the screen. At this time, the information includes information calculated through the control unit 12, information informing the user of the progress of the program, and the like. The storage unit 16 stores various kinds of information, for example, information necessary for control of the control unit 12, information generated by control, and the like.

FIG. 2 is a detailed block diagram of the controller of FIG. 1 according to an embodiment of the present invention.

1 and 2, the control unit 12 includes a pension calculation unit 120, a sequential arrangement unit 122, and a pension re-calculation unit 124.

을 이용하여 변액보험의 연금 개시 예상 수익률을 산출하고 연금 개시 1년차 변액보험 수익률에 산출된 연금 개시 예상 수익률을 대입한다. 여기서, ap는 총 불입금, am은 연금 개시 직전연도의 해지환급금, a1은 불입 만기 나이, a2는 연금 개시 나이이다.The pension calculation unit 120 calculates the annual return of each insurance using the insurance information collected through the collection unit 10 and calculates the amount of pension receivable based on the return rate. The pension calculation unit 120 according to an embodiment calculates the average value of the minimum interest rate and the disclosure ratio for the year as the pension return rate if the insured is a fixed interest rate insurance. If the insured's policy is variable insurance, it calculates the expected rate of return of the pension after the insurance contractor's average maturity before the commencement of the pension and calculates the expected rate of return from the second year of the pension . For example, the annuity calculation unit 120 calculates

, The expected return of pension at the start of the variable insurance is calculated and the expected rate of return of the pension at the beginning of the annuity is calculated. Here, ap is the total contribution, am is the termination reimbursement for the year immediately preceding the start of the pension, a1 is the maturity date, and a2 is the pension initiation age.

The pension calculation unit 120 according to the embodiment calculates the return rate using the formula (a / b) -1 in the case of the variable insurance in which there is no withdrawal in the corresponding year from the second year of the pension start, In the case of variable insurance, the rate of return is calculated using the formula ((a + p) / b) -1. Where a is the termination refund notified by the insurer at the end of the previous year, b is the termination refund notified by the insurer at the end of the previous year, and p is the median withdrawal.

The annuity calculation unit 120 according to an embodiment recalculates a new annually residual annuity amount corresponding to the residual resources that have changed every year in the event of a change in at least one of the change in yield, the change in the withdrawal amount, and the change in the remaining amount of the pension fund . For example, in response to interest rate fluctuations when interest rates change, a uniform annuity payment is recalculated each year after the point of interest rate change. In the event of a change in the amount of the withdrawal, the pension will be re-calculated uniformly annually after the change in the withdrawal amount in response to the change in the withdrawal amount. In the case of changes in pension residual funds, in response to changes in pension resources, the annual pension receipts are recalculated annually after the change in pension fund resources. As a result, the policyholder can always receive a stable annuity uniformly annually, regardless of any interest rate (yield rate), and any withdrawal of any amount can then receive a stable annually uniform annuity, A stable pension can be received annually.

The sequential arrangement unit 122 arranges the pensions sequentially in such a manner that the lowest yield insurance is put into the pension fund from the beginning of each year from the beginning to the end of the pension plan, do. In this case, the sequential arrangement unit 122 sequentially changes the insured's annual insurance yield to the annual pension fund, regardless of whether the insurance is fixed-rate insurance or variable insurance, thereby raising the total insurance efficiency every year. In the case of variable insurance, it carries out the total insurance return rate function of the variable insurance that increases the total insurance efficiency to the end of the annuity every year by making the variable function and putting it directly into the pension fund or the brother insurance as the pension fund.

The sequential arrangement unit 122 according to an embodiment determines whether the insurance is a fixed interest rate insurance or a variable insurance when an insured whose balance is one year less than the pension at the time of sequential arrangement appears. If fixed-rate insurance, the balance is added to the other insurance. If the variable is insurable, the insured shall keep the remaining balance and place the rest of the insurance policies in order, and pay the premiums to the other insurance at the end.

The pension re-calculator 124 re-calculates the additional pension receipt so as to additionally receive the remaining remaining amount in the sequential arrangement of the sequential arranging unit 122 as a pension. The pension re-calculation unit 124 according to an embodiment generates a control group having a remaining balance x through sequential arrangement and having a pension of a1 and a balance of x1 for comparison with an existing group having a pension of a. (X1) to 0, the pension shift distance to which the control pension (a1) needs to be further moved, and the control balance (x1) to 0, so that the pension travel distance and the travel distance of the pension, the travel distance of the balance per pension travel distance, (A2) of the control pension (a2) and the control pension (a2) enters the place of the control pension (a1), and calculates the receivable amount of the further receivable pension. (X1) - Existing group balance (x), pension travel distance per pension travel distance (p) = (x1 - p1) x) / (a1-a), the pension shift distance (q1) in which the control pension (a1) needs to be further moved so that the control balance (x1) (p) and the adjusted pension a1 (a2) = a1 + q, which can make the control balance (x1) zero.

Hereinafter, embodiments of the escalating system having the above-described configuration with reference to FIGS. 1 and 2 will be described in detail with reference to the drawings described later.

Fig. 3 is a diagram showing an example of a pension receivable amount receivable in a general manner when the policy contractor lives a pension life with a plurality of insurance policies.

Referring to FIG. 3, the pension receipt amount table shows the insurance contractor's age, interest rate (yield), annual pension receivable amount, and remaining pension resources for each insurance. Assuming that the policy contractor enters the pension life after converting the pension with the insurance 1 (interest rate 1%), insurance 2 (interest rate 2%) and insurance 3 (interest rate 3%) for each 50 million won In general, it is the end of each pension from 60,000 to 90 years old by receiving 1,865,135 (insurance 1) + 2,137,076 (insurance 2) + 2,427,132 (insurance 3) = 6,429,344 won annually.

4 is a diagram showing an example of a pension receipt amount receivable by the sequential pension calculation method according to an embodiment of the present invention.

Referring to FIG. 4, an annuity can be received by arranging annuity insurance sequentially according to an embodiment. For example, in FIG. 4, when a pension is started in sequence according to a combination in which insurance 1 (interest rate 1%) - insurance 2 (interest rate 2%) - insurance 3 There is a pension receipt. In this case, the pension is received at 6,429,344 won in the same manner as described above with reference to FIG. 3, and the remaining amount is 26,679,514 won at the end (②). Then, instead of leaving the pension, you will be able to receive a certain amount of the pension.

The present invention further proposes a sequential pension calculation method in a situation where variable insurance is included in insurance products. As shown in FIG. 4, if the insurance policy of an existing policy contractor is an all-disclosure interest rate insurance such as insurance 1 (interest rate 1%), insurance 2 (interest rate 2%) and insurance 3 Each sequential arrangement order is determined. However, if variable insurance is included in the holding insurance, it is not possible to arrange the entire insurance sequentially. Variable insurance does not know where to go because the rate of return is not constant, and it is not possible to place the whole insurance sequentially because it does not know where to get variable insurance.

5 and 6 are diagrams showing a case in which, when the policyholder lives a pension with a plurality of insurance products including at least one variable insurance, a program showing that the optimal pension can be collected through the pension calculation program according to the embodiment of the present invention Fig.

As shown in Fig. 5, it is assumed that the pension is 20,000 general insurance, and the pension 1 and pension 3 or 2 are variable insurance. In fact, one or three variable insurance does not matter. If one or more of the insurance holdings is variable insurance, the same principle applies. The principle is that insurance, which is the lowest rate of return every year, is put into pension funds, alternating between annuity and variable insurance.

For example, as shown in FIG. 6, the insurance contractor is variable 1, variable 2, and general (disclosure interest rate). At the age of 60, 61, and 62 with a total of three insurances, the yield (interest rate) of variable 1 is the lowest at 1.5%, so variable 1 is invested into the pension fund and the remaining sibling insurance As interest rates are accumulated for one year, the pension fund balance increases. At the age of 63, the yield of variable 1 rose to 3.7%. This time, variable 1 looks around and there is a 2% general insurance with lower return than self. This time, 2% general insurance is put into pension resources Variable 2, with a return of 3.3%, is put on hold and increases the pension fund balance. At the age of 64, 65, and 66, the yield of variable 1 is still high. Variable 2 has fallen to 1.8%, which is the lowest of brothers' insurance. This time, Variable 2 is put into pension funds, . In this way, until the end of the annuity, the minimum rate of return of all the holdings is transferred to the pension fund, alternating with the rest of the insurance, and the best annuity efficiency will go through to the end of the pension life every year.

This is an unexpected and wonderful effect that can not be imagined if there is no variable insurance, and it is a surprising effect that the technique of <sequential> interacts with the characteristics of the existing variable insurance's return <volatility> . In other words, the purchase of variable insurance itself, as in the traditional concept of "high risk high profit", met with the function of "volatility of volatility insurance" and "sequential" Opportunity '.

As the sequential function meets with variable insurance, some years variable insurance is first put into pension resources. In some years variable insurance is put in later, and variable insurance is not sequential. > Synergy effect is possible. In this case, the variable insurance held by the policyholder has a positive effect on the sibling insurance including oneself. Therefore, it can be said that there is no higher pension efficiency than that every year, and it can cause the highest efficiency effect every year. This means that the function of <Variable> will meet the <Sequential> function and increase the total insurance efficiency until the end of the pension term.

In the past, insurance companies and brokerage firms have focused on (and have been forced to do so) how to pay out the variable rate of return when selling variable insurance, sometimes making unreasonable expected returns or creating theories. So, if the return of variable insurance is not as good as expected after a certain period of time, there has been a dispute with the policy contractor. However, according to the embodiment, the total insurance return rate of the variable insurance can not be known to the customer, but the synergy effect of the variable function of the variable insurance can be obtained by meeting the <sequential> function do. Unlike the theory of insurance sales, which is based on the high rate of return that insurance companies and financial companies have used to date, it has become possible for customers to have completely different motives for joining the variable insurance. In other words, we want to provide a new variable sales mechanism in which customers want to join variable insurance even if the variable insurance rate is 0%.

The mechanism that joins variable insurance is not the same as inducing subscription because of the variable insurance return so far. This new variable sales mechanism can solve the problems that arise when selling packaged products as if they were highly profitable in variable insurance sales in the meantime. In other words, for insurers, there is no need to over-wrap the variable rate of return insurance to increase the sales rate and it is not necessary to sell the variable insurance in the view of the designers, so that incomplete sales of variable insurance can be resolved considerably . As a result, insurance sales are possible based on new sales mechanisms that can satisfy both customers, insurers and planners.

According to one embodiment, the total return rate of the variable insurance does not refer to the return rate of the variable insurance since the designer originally sold the variable insurance. Instead, the variable function that the variable insurance can simply ascend and descend is <sequential > If you meet with the function and you have a low return on your variable insurance, you will be put into your pension fund, and if the return of your variable insurance increases in some year, then you will increase as you are put on hold. Instead, The volatility of volatility insurance returns to the end of the pension life at the highest efficiency by meeting the sequential function, thereby raising the overall insurance efficiency to the end. This is because insurance contractors do not subscribe to variable insurance premiums at a rate of several percent, but rather they envision the synergy effect of these variables and <sequential>.

These effects can be explained to the policy contractor, and the policyholders who have one or two general pension plans may want to join the variable insurance themselves without the need for publicity about the expected return of the variable insurance. Also, if you now have three publicly funded pension insurance plans, you may want to change one of the three insurance policies to variable insurance if you can no longer afford to join. In addition, if you are insured for 1 million won per month, you may want to divide into two, one for monthly insurance of 500,000 won and the other one for 500,000 won per month.

One of the two insurance contractors in Korea is going to start the pension plan for insurance contractors who have joined variable insurance in the situation where they have variable insurance. Therefore, the diffusion of this theory is urgent. The escalating system according to the embodiment intends to systematically show how the variable function of the variable insurance can meet the sequential technique and achieve a synergy effect.

Hereinafter, an escalating system according to an embodiment will be described below. First, the escalating system provides a pension calculation program that tells you in real time how much pension you actually get when you receive a pension in a sequential manner, compared to the normal simultaneous pension conversion method. Second, it will rate the overall insurance rate. Third, we link key elements such as sequential position changes every year.

7A to 7M are diagrams for explaining a pension calculation program for indicating how much the pension can be actually received in addition to the balance remaining in comparison with the conventional simultaneous pension conversion scheme in the sequential pension arrangement according to the embodiment.

FIG. 7A is a view showing an annual pension receivable amount of the policyholder when the policyholder converts the pension and receives the pension in the normal manner in the life of the pension.

Referring to FIG. 7A, when three insurance policies held by an insurance policy holder are converted into annuities at the same time in a general manner, the annuity is received (1,865,135 + 2,137,076 + 2,472,132 = 6,429,344 won annually).

FIG. 7B is a view showing an annual pension receivable amount of the policyholder when the policyholder changes pension and receives the pension in a sequential manner in the life of the pension.

7B, when the pension is sequentially received in the order of the insurance 1-insurance 2-insurance 3, as shown in FIG. 7A, the same pension 6,429,344 won is received (①), and the remaining amount is 26,679,514 won . Then you will be able to receive more pensions. How much longer can I get

In the case of FIG. 7b, if the pension is received at 6,429,344 won, the balance remains at 26,679,514 won at the end, and it is not easy to know whether it will be zero at the end if it is increased to 6,429,344 won. As you usually think, if you want to put the end to zero and back up, you do not know that you have to go up with a prepaid pension. Moreover, if this is an interest rate, it is necessary to go up in the calculation, but the interest rate is different and it is necessary to climb up the stairs to the top, so it is not easy to calculate if these different elements are mixed.

The present invention proposes a program for finding this. First, when the pension of 6,429,344 won as shown in FIG. 7B is received, the remaining amount of 26,679,514 won is left as the existing departure (existing group), and as shown in FIG. 7C, Create another expression that leaves the balance.

7C is a diagram illustrating a primary control group according to an embodiment of the present invention.

Referring to FIG. 7C, in the first control formula, a pension of KRW 10,000,000 was input into the pension fund ②, and the pension was received in a sequential manner in the order of insurance 1 - insurance 2 - insurance 3, and the final balance remained at -161,760,840 won. 7B) ① and the control group (FIG. 7C) ② to compare the <pension travel distance> between <1> and <2> with the <balance travel distance>, as shown in FIGS. 7D and 7E Create a chain expression.

7B and 7C,

(1) pension travel distance (pension interval) = 10,000,000 - 6,429,344 = 3,570,656

(2) Balance movement distance = 26,679,514 - (-161,760,840) = 188,440,354 (It subtracts the front from the back because it searches for the interval.

(3) Balance movement distance per pension travel distance = (2) / (1) = 188,440,354 / 3,570,656 = 52.7747

(4) The balance of the control -161,760,840 required to move to the balance 0 = -161,760,840 / 52.7747 = -3,065,121

(5) The control balance -161,760,840 is the value when the control pension is 10,000,000. Therefore, the pension value to be searched first (the balance is generated as 0)

10,000,000 + (-3,065,121) = 6,934,879 = value of 6 in Fig. 7d:

- Thereafter, the calculated primary value 6,934,879 is continuously circulated by inputting 10,000,000 digits in the upper right of FIG. 7C (the position of FIG. 7G).

Referring to FIGS. 7D and 7E, the 10,000,000 won starting from ② is rotated one clockwise, and the first value 6,934,879 calculated in step 6 is newly input into the seventh digit, and the sequence is continuously circulated.

FIG. 7F is a view for explaining an example of the chain circulation of FIGS. 7D and 7E according to an embodiment of the present invention.

Referring to FIG. 7F, the first pension adequacy value 6,934,879 extracted from ⑥ through ①, ②, ③, ④, ⑤ is put in the place ⑦ originally ②, If you repeat the insertion, the balance 2 of (2) and (5) the moving distance approaches 0. This is the answer. The actual program is circulated at once and the answer comes right away.

7G is a diagram illustrating a secondary control group according to an embodiment of the present invention.

Referring to FIG. 7g, when the first pension adequacy value 6,934,879 extracted from FIG. 7d ⑥ is inputted into ①, the second expected pension amount ② 7,004,985 is calculated again and circulated one more time.

7H is a diagram illustrating a third control group according to an embodiment of the present invention.

Referring to FIG. 7H, when the second estimated pension 7,004,985 extracted from FIG. 7g② is inputted into ①, the third estimated pension amount2,7003,657 is calculated again and circulated one more time.

FIG. 7I is a diagram showing a fourth-order control group according to an embodiment of the present invention.

Referring to FIG. 7i, the third estimated pension 7,003,657 extracted from FIG. 7h (2) is inputted into ①, and the fourth estimated pension amount 2,7,003,679 is calculated again and circulated one more time.

7J is a diagram illustrating a fifth-order control group according to an embodiment of the present invention.

Referring to FIG. 7J, the fourth estimated pension 7,003,679 extracted from FIG. 7i (2) is inputted into ①, and the fifth estimated pension amount ② 7,003,679 is calculated again and circulated one more time.

7K is a diagram illustrating a sixth control group according to an embodiment of the present invention.

Referring to FIG. 7k, the fifth estimated pension 7,003,679 extracted from FIG. 7j (2) is input into ①, and the sixth estimated pension amount (2) 7,003,679 is calculated again and circulated one more time.

FIG. 71 is a diagram showing that the balance is zeroed through automatic circulation according to an embodiment of the present invention.

Referring to FIG. 7L, when ① and ② are gradually narrowed down to 0, the final answer is that ③ is the final answer, and the calculation program is further advanced 10 times thereafter. Then, link the value of the last ③ digit to be connected to the position of the first search.

Since the program is designed to automatically cycle through the program until the balance reaches zero, the policyholder automatically generates the final answer as soon as he or she enters the first value in the required item.

FIG. 7M is a summary of calculation formulas for automatically calculating how much the remaining amount after the sequential insurance arrangement can be received as a pension, with reference to FIGS. 7A and 1B.

In the former group, the remaining amount is x when the pension is a, and when the balance is x1 when the pension is a1 in the control group,

(1) pension travel distance (pension interval) = control pension (a1) - existing military pension (a)

(2) Balance movement distance (balance interval) = Balance of control (x1) - Balance of existing group (x)

(3) The balance travel distance per pension travel distance (p) = (2) / (1) = (x1-x) /

(4) The pension travel distance (q) at which the control pension (a1) should move further in order that the control balance (x1) becomes 0 = x1 / p

(5) First corrected pension a1 value (a2) = a1 + q, which can make the balance (x1)

(6) a2 enters the a1 seat and circulates.

FIG. 8 is a diagram showing a universal annuity calculation program for calculating a new stable annuity amount (an intermediate withdrawal amount) in response to an environmental change according to an embodiment of the present invention.

8, the universal pension calculation program according to one embodiment is a program for calculating all the elements constituting the annuity such as change in interest rate (rate of return), change in pension receipt amount The amount of new stable pension (the amount of withdrawal) is calculated. As shown in FIG. 8, the pension calculation program is a program that generates a balance of 0 at all times in response to all elements constituting the pension.

을 이용하여 예상금리를 산출한다. 여기서, ap는 총 불입금, am은 연금 시작 직전연도의 해지환급금, a1은 불입 만기 나이, a2는 연금 시작 나이이다. 그리고 예상금리를 반영하여 연금 시작 이후 매년 균일한 연금 수령액을 산출한다. 이때, 금리(수익률) 변동, 연금수령액(중도인출액) 변동, 잔액 변동 등 연금을 구성하는 모든 요소의 변동에 즉시 반응하여 새로운 안정적 균일 연금액(중도인출 금액)을 산출해줄 수 있다. 예를 들어, 주 연금 식 표와 보조 연금 식 표를 작성하고 주 연금 식과 보조 연금 식을 연결하는 방식을 통해 모든 요소의 변동에 즉시 반응할 수 있다. 주 연금 표는 연금 시작 연도에서 연금 종료 연도까지 매년 연금을 제하며 위에서 아래로 내려가는 방식으로 중도인출 후 잔액을 계산한 것이다. 보조 연금 식은 연금 종료 연도에서 연금 시작 연도까지 매년 소정의 예시연금을 더하며 아래에서 위로 올라가는 방식으로 최종 전체 자금을 계산하여 보조 연금 식 표를 작성한 것이다.To explain the universal pension calculation program for variable insurance,

To calculate the expected interest rate. Here, ap is the total contribution, am is the termination reimbursement for the year immediately preceding the start of the pension, a1 is the maturity date, and a2 is the pension age. In addition, the pension payments are calculated annually after the start of the pension, reflecting the expected interest rate. At this time, a new stable uniform pension amount (the amount of withdrawal) can be calculated by promptly responding to changes in interest rate (yield), changes in pension receipts (changes in salary), changes in balances, For example, you can respond immediately to changes in all factors by creating a primary and secondary pension formula and linking the primary and supplementary pension formula. The state pension table is a calculation of the balance after withdrawal from the beginning of the pension to the end of the annuity, with the annuity being annually deducted from the top down. The supplementary annuity formula is the supplementary annuity table by calculating the final total amount in the manner of adding up the prescribed annuity every year from the annuity end year to the annuity start year and ascending from below.

FIG. 9 is a diagram showing two insurance policies of an insurance contractor in order to explain the principle of total insurance return rate of variability insurance according to an embodiment of the present invention.

In detail, the left side of FIG. 9 shows the general insurance product with the interest rate of 2% uniform, and the right side is the variable insurance (3%) and the small interest rate (1% Fig.

FIG. 10 is a view showing an amount of pension receivable when a pension is received in a general manner in the embodiment of FIG. 9. FIG.

Referring to Figs. 9 and 10, in the general method, a pension of 4,872,474 won can be received from the left insurance, and a pension 4,893,442 won by the right insurance, and a total amount of 9,765,915 won can be received.

FIG. 11 is a diagram showing the amount of pension receivable when the pension is received in a sequential manner in the embodiment of FIG. 9; FIG.

Referring to FIG. 11, in the embodiment of FIG. 9, the insured with low interest rate is responsible for 9,765,915 KRW of the total pension by comparing the insurance between the right and the left insurance, and the insurance with a relatively high interest rate during the same period is held during that period, , The same pension of 9,765,915 won to the end of the pension until the end of the remaining 13,737,663 remained.

12 is a diagram showing the amount of pension receivable when a pension is received in a general manner in the case where a high profit is generated as in variable insurance.

12, when the policyholder has two insurance policies and one of them (right side of FIG. 12) has a high profit rate of 50%, 30%, 40%, etc., It is assumed to be several times. In the case of receiving a pension in a general manner, as shown in FIG. 12, the amount of pension receivable from each of the left and right insurances is 4,872,474 + 7,864,378 = 12,736,852 won.

FIG. 13 is a view showing a balance when a pension is received in a sequential manner in the example of FIG. 12 according to an embodiment of the present invention.

Referring to FIG. 13, in the example of FIG. 12, when the insured having the lowest return rate alternately received 12,736,852 won, the same amount of 12,736,852 won as in the example of FIG. 12 was received, and the balance remained 105,307,776 won. As shown in FIG. 13, the left insurance has an annual living expenses alternately with the right insurance until the age of 81, but since the age of 82, the right insurance is insufficient to pay the remaining pension life and the final balance is 105,307,776 won It shows the remains.

FIG. 14 is a diagram showing a case in which the amount of pension receipt is increased in the situation of FIG. 13; FIG.

Referring to FIG. 14, in the example of FIG. 13, the amount of the pension payment (the amount of the withdrawal) is increased from the previous 12,736,852 won to 14,679,869 won, which shows that the pension can be received by about 2 million won (15.3%).

14,679,869 - 12,736,852 = 1,943,017 (15.3%)

4, if the variable insurance is included in the insured insurance without having only the disclosure-rate insurance as described above, as described above with reference to FIG. 5, the insured insurance with low interest rate Are converted into pension funds, and the total insurance efficiency is increased annually. In this type of variable insurance, it plays its part and plays the role of directly putting itself into the pension fund, or allowing the brother insurance to be put into the pension fund, Escalating system>. If you have two insurances, you can expect that efficiency to be low. If you have multiple variable insurance, the benefit of this escalating system could be as much as 20% to 50%. As a matter of course, we will be able to help a lot of Koreans who enter the pension life with limited pension resources in a more comfortable and rich life.

Hereinafter, a method of using a pension calculation program according to an embodiment will be described with reference to the following drawings.

FIG. 15 is a diagram showing an example in which the universal annuity calculation program of FIG. 10 is attached as a preparation process according to an embodiment of the present invention.

Referring to FIG. 15, with reference to FIG. 10, a plurality of pension-calculated insurance plans are attached through the universal pension calculation program described above. Of course, it is not connected manually, but the number of retirement insurance is automatically connected to the number of retirement insurance, and the total amount of pension receipt is calculated and output.

16 and 17 are diagrams illustrating an example of user input of a pension calculation program for total insurance escalating according to an embodiment of the present invention.

Referring to Figure 16,

①: Enter the pension start age and end age

②: After entering the annuity refund at the beginning of each insurance plan

③: Fixed rate (return rate) If insurance, enter the interest rate

④: If you are variable insurance, you enter one yearly rate of return every year from the first year.

⑤: Fixed rate insurance is calculated based on fixed interest rate,

⑥: Variable insurance can not input the return rate from the beginning to the last year like the fixed interest rate insurance. Input the yearly return rate every year from the first year. The variable rate of return for that year is based on the amount of withdrawal from the withdrawal amount notified from the previous year's insurance company or from the previous year's insurance company. Thereafter, the pension for total insurance escalating is calculated as shown in Fig.

17 is a diagram for explaining a pension calculation method for total insurance escalating according to an embodiment of the present invention.

Referring to FIG. 17, (1)

Enter the following values for the starting interest rate (yield) of each commodity.

① Disclosed interest rate insurance: Average of minimum interest rate and declared interest rate for the year

(The lowest interest rate is calculated as 0%)

② Variable insurance: The use of this data is used because the insurance company's performance results and termination reimbursement are reported from the insurer at the end of each year. in this case,

Total contribution: ap (amount paid)

Expiration date: a1 (age1)

Pension initiation age: a2 (age2)

When a pension is refunded (= pension funding) notified by an insurance company at the end of the previous year:

이다.Estimated starting interest rate (return) =

to be.

(2) Annuity start year 1 (annuity first year):

Enter the following values for the 1st year interest rate (yield) position of each product.

① Disclosed interest rate insurance: Average of minimum interest rate and declared interest rate for the year

② Variable insurance: The rate of return of the pension fund 0 year:

At this time, the withdrawal amount of the lowest interest rate (yield rate) will be withdrawn during the first year of the annuity commencement. The remainder of the product will earn principal for one year at the interest rate.

(2) Second year of pension start (2nd year of pension life):

① Disclosed interest rate insurance: Average of minimum interest rate and declared interest rate for the year

② Variable insurance:

Cancellation refunds notified at the end of the previous year: a

Cancellation refund notified at the end of the previous fiscal year: b

Return of Variable Insurance with no median withdrawal (p) in that year = (a / b) -1

Return of Variable Insurance where there was a median withdrawal (p) in that year = ((a + p) / b) -1

At this time, the withdrawal amount of the lowest interest rate (return rate) of the lowest commodity in the second year of the annuity will be withdrawn. The rest of the product will be redeemed at the interest rate for another year.

(3) Pension anniversary 3 years (3rd anniversary of pension life):

(2) It is the same as the second year of the pension initiation, and is repeated below.

(4) Commodity whose balance is less than one year annuity Start:

Continue with only the remaining products, and if the remaining balance is less than one year, the remaining balance will be settled at the end with additional payment.

18 and 19 are diagrams showing a pension calculation screen of a pension calculation program for total insurance escalation according to an embodiment of the present invention.

More specifically, FIG. 18 shows the case of having four variable insurance, FIG. 19 shows the case of having one general insurance and two variable insurance, and calculating the pension through the sequential arrangement of putting the pension resources from the insurance having the lowest return rate As shown in FIG. As shown in FIG. 19, the sequential arrangement is made in the form of a staircase from the beginning of the pension to the ending year.

20 and 21 are diagrams illustrating a program screen for explaining a balance processing method of a pension calculation program for total insurance escalating according to an embodiment of the present invention.

The figures entered in Variable Insurance's year-to-year returns are not actually the year's returns, but last year's returns. Variable insurance can not be strictly a profit of this year. This is because it can be seen by the end of this year. Therefore, we expect the yield of 1 year to reach that level last year.

The lower portions of FIGS. 20 and 21 are different because of the following reasons.

As shown in FIG. 20, when the holding insurance is composed of fixed interest rate insurance, when the last balance of the pension 1 insurance is less than one year, the balance should be added immediately before the start of the next insurance (pension 2 insurance) The formula goes in. In addition, the balance of the last one year of pension 2 insurance is added to the insurance 3 immediately before the start of pension 3 insurance (④). Each balance of the previous step is added to the next insurance. At this time, the previous insurance is terminated as the previous insurance balance is transferred to the future insurance.

When the variable insurance is included in the holding insurance as shown in FIG. 21, the final processing method is different from that of FIG. The reason why ⑤ does not pass the rest of the balance back to (Fig. 20) and leaves the remaining balance (= without ending the commodity) is variable insurance. Variable insurance is likely to make a big profit once in the future. Considering that time, it is necessary to leave room for additional payment in this high yield variable insurance. Variable insurance is often a result of tens of percent return. Therefore, in case of variable insurance, unlike the public interest rate insurance described above with reference to FIG. 20, the final balance is transferred to the next product, and the balance is left instead of completely terminating the product.

If I had to close this product for a short amount of time. If you have witnessed a significant increase in revenues since the last day, you will regret it enough to finish the insurance. If you anticipate it, unlike the case of the disclosure interest rate insurance of Figure 20, Variable Insurance needs to leave all the Variable Insurance until the end and leave the last balance of the Insurance. And if you get a big profit, it is efficient to put all the balances here and there, and quit after the life of the pension. The reason why I left the item ⑥, though it is not variable insurance, is because I want to go into the additional lead of the variable insurance ⑤.

In conclusion, if the retention insurance is composed of the disclosure rate insurance only as shown in FIG. 20, since the previous product in the sequential technique is no more than the old product, the previous product balance is transferred to the subsequent product. This is because the backward commodity is slightly higher than the previous commodity. If the previous product is terminated but variable insurance is included, leave each balance to the end and process it last.

FIG. 22 is a diagram illustrating a total insurance return rate escalating process of variability insurance according to an embodiment of the present invention.

Referring to FIG. 22, the total insurance return rate calculation method of the variable insurance collects insurance information of a policy contractor who wants to have a pension calculation program with a plurality of insurance including at least one variable insurance, and to live a pension through a middle withdrawal ).

Then, using the collected insurance information, the annual rate of return of each insurance is calculated and the amount of pension receivable based on the rate of return is calculated (2220).

(2230), in which the lowest rate of return insurance is invested annually into the pension fund each year from the beginning to the end of the annuity, and the rest of the insurance is stolen during that period.

Furthermore, additional pension payments may be redeemed (2240) so that the final remaining balance of the sequential placement is received as an additional pension.

23 is a diagram illustrating a sequential batch process of FIG. 22 according to one embodiment of the present invention.

Referring to FIGS. 22 and 23, the pension calculation program for total insurance return rate is a method in which, when a policyholder has n insurance including variable insurance, The lowest insurance is determined (2310). In this case, if the minimum rate of return insurance is 1, you should receive the pension from insurance 1 (2312) and the remaining insurance 2 ... , Insurance n (2314, 2316).

In the same way, we compute the second year's return on the pension insurance for the insured and judge the insurance with the lowest return (2320). In this case, if the minimum rate of return insurance is 2, the pension is received from the insurance 2 (2324), and the remaining insurance 1, insurance 3, ... , Insurance n (2322, 2326).

In the same manner, the insured with the lowest return is judged until the n-th anniversary of the end of the pension (2330). In this case, if the lowest rate of return insurance is insurance n for pension start n-year insurance, the pension is received from insurance n (2336) and the remaining insurance 1, insurance 2, ... , Insurance n-1 (2332, 2334). By this sequential method, the pension life progresses to the end with the highest efficiency.

FIG. 24 is a diagram illustrating a process of redeeming an additional pension receipt amount so as to additionally receive a remaining remaining amount in a sequential arrangement according to an embodiment of the present invention.

Referring to FIGS. 22 and 24, the pension calculation program for total insurance return rate is repeatedly arranged (2400), and then the additional pension receipt amount is re-calculated so that the remaining remaining amount in the sequential placement is further received as a pension do.

24, if the desired pension of the existing group 2410 is a1 (2412) and the balance is b1 (2414), the desired pension of the control group 2420 is a2 (2422), and the balance is b2 (2424), the pension movement distance and the balance movement distance are calculated (2430, 2440). In this case, pension travel distance = control pension (a2) - existing group pension (a1), and balance movement distance = control group balance (b2) - existing group balance (b1).

Then, the balance travel distance per pension travel distance is calculated (2450). (C1) = (b2-b1) / (a2-a1) for the pension moving distance. Then, the pension movement distance d1, which is further required for the control balance b2 to become 0, is calculated 2460. At this time, the pension moving distance d1 = b2 / c1. Then, the first corrected control pension (a3) = a2 + d1, which can make the control balance (b2) zero, is calculated (2470). At this time, a more receivable pension receipt amount is calculated by a method in which the first-corrected control pension (a3) enters the control pension (a2) and circulates.

The embodiments of the present invention have been described above. It will be understood by those skilled in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. Therefore, the disclosed embodiments should be considered in an illustrative rather than a restrictive sense. The scope of the present invention is defined by the appended claims rather than by the foregoing description, and all differences within the scope of equivalents thereof should be construed as being included in the present invention.

Claims (10)

A collection unit for collecting insurance information of a policyholder who wishes to live a pension through a middle withdrawal with a plurality of insurance including at least one variable insurance;
A pension calculation unit that calculates the annual rate of return of each insurance using the collected insurance information and calculates the amount of pension receivable based on the rate of return;
A sequential arrangement where the lowest rate of return insurance is entered into the pension fund each year from the beginning to the end of the pension plan and the remaining pensions are placed in the stock during that period; And
An annuity re-calculation department that releases additional pension receipts to receive the remaining remaining balance in sequential placement as an additional pension; / RTI &gt;
The pension re-
A control group with a pension of a1 and a balance of x1 is created for comparison with the existing group having the final balance x remaining through sequential arrangement,
The pension travel distance and the balance travel distance, the travel distance of the balance per pension travel distance, the pension travel distance to which the control pension (a1) needs to be further moved so that the control group balance (x1) becomes 0, and the control group balance (x1) (P &lt; 2 &gt;), respectively,
Calculate the receivable pension receivable through the way that the control pension (a2) enters the control pension (a1) seat and circulates,
Here, pension travel distance = control pension (a1) - existing pension (a),
Balance Travel Distance = Control Balance (x1) - Existing Balance (x),
(P) = (x1-x) / (a1-a),
(P), the control pension (a1) to which the control pension (x1) is to be shifted to zero, and the pension shift distance (p)
Wherein the adjusted pension a1 (a2) = a1 + q capable of making the control balance (x1) equal to zero is a total insurance return rate of the variable insurance. 2. The apparatus of claim 1, wherein the sequential arranging unit
Regardless of whether fixed-rate insurance or variable-rate insurance is applied to the insurance, the insurance companies with the lowest rate of return each year compares with each other,
In the case of variable insurance, it is necessary to carry out the total insurance return rate function of the variable insurance that increases the total insurance efficiency to the end of the annuity by making the variable function and putting it directly into the pension fund or the brother insurance as the pension fund. The overall insurance return rate of the variable insurance that features the escalating system. The system according to claim 1, wherein the pension calculation unit
If the insured is a fixed interest rate insurance, the average of the minimum interest rate and the declared interest rate for that year is calculated as the pension return rate,
If the insured's insurance is variable insurance, it calculates the expected rate of return of the pension after the insurance contractor averages the interest rate up to the commencement of the pension commencement period after the insurance contractor's due date and calculates the expected pension return rate depending on whether there was a mid- ,
And calculating the amount of pension received uniformly every year since the start of the pension based on the calculated return rate of each insurance. delete 4. The system according to claim 3, wherein the pension calculation unit
In the case of variable insurance with no withdrawal in the year from the beginning of the annuity, the return is calculated using the formula (a / b) -1, and in the case of variable insurance, / b) -1 to calculate returns,
Where a is the termination refund notified by the insurer at the end of the previous year, b is the termination refund notified by the insurer at the end of the previous year, p is the withdrawal,
Wherein the sequential arranging unit is arranged to withdraw a portion of the minimum return rate insurance every year from the second year of the annuity and to accumulate the principal amount for the remaining one year. 4. The system according to claim 3, wherein the pension calculation unit
The entire insurance return rate of the variable insurance, characterized by the release of a new annually residual pension receivable that meets the annualized year-to-date residual funding in the event of a change in at least one of a change in yield, a change in a withdrawal amount, system. 2. The apparatus of claim 1, wherein the sequential arranging unit
If the insured is insured for one year or less at the time of sequential placement, it is determined whether the insured is a fixed interest rate insurance or a variable insurance.
If the interest rate is fixed, the balance is added to the other insurance.
In the case of variable insurance, the insurer maintains the balance and places the rest of the insurance policies in sequence, and finally adds the insurance to the other insurance to make settlement. delete delete delete

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