WO2006082957A1

WO2006082957A1 - Longevity insurance system and its method

Info

Publication number: WO2006082957A1
Application number: PCT/JP2006/301970
Authority: WO
Inventors: Hiroshi Kusu
Original assignee: Kumazawa, Noboru; Tanada, Nobuko
Priority date: 2005-02-07
Filing date: 2006-02-06
Publication date: 2006-08-10
Also published as: TW200636531A; JP2007042056A

Abstract

In a longevity insurance system which pays the maturity insurance money to a long-lived person or a recipient concerning the long-lived person, the entity of insurance business is composed of an insurance institute including an insurance money management server (30) for supporting an insurance contact to pay a maturity insurance money to the recipient if the insured person lives to a prescribed age and a database (DB1) where stored are contractor data (5), insurance premium collection data (6), insured person data (7), recipient data (8), and insurance money payment data (9). The insurance money management server (30) comprises contracting means (32), insured person existence/decease confirming means (34), disclosed information control means (35) for controlling setting the changeable disclosure allowable range of one of the contractor data (5), the insured person data (7) and the recipient data (8) stored in the database (DB1), insurance premium collecting means (33), and an insurance money payment program (37) for paying the maturity insurance money to the beneficiary specified by the insured person data (7) and the recipient data (8).

Description

Specification

Longevity insurance system and method

Technical field

[0001] The present invention aims to manage the business of providing maturity claims and dividends to beneficiaries involved in long-lived persons. Various unions / corporations, “People's Financial Mutual Aid Fund”, “Financial Mutual Aid”, “Investment corporations”, “investment trusts”, “securities companies”, “life insurance companies”, “financing institutions”, “financial institutions”, “post offices”, “administrative authorities”, etc. The present invention relates to a computer management system for life insurance, and particularly to a management system for longevity insurance that entrusts operation to a server connected to a computer network.

Background art

[0002] Paying long-term benefits at 160 years old, 110 years old, etc. as a life insurance system that returns insurance claims paid by insurance companies due to extended lifespans to insurance companies and long-lived subscribers Long life benefit payment table, life insurance start date, maturity date and premiums table, estimated death insurance amount and actual death insurance amount based on the above table, and the amount calculated above minus the actual amount Longevity insurance system consisting of a table (for example, see Japan National Publication No. 2000-224900 (paragraphs 0003-0005)).

[0003] However, in the longevity insurance system shown in the above-mentioned document, “the amount of decrease in insurance claims paid by the insurance company due to the extension of the life of the subscriber is returned to the insurance company and the long-lived subscriber” `` A long-life person who is an insured person and a contractor by his / her relative, etc., or a recipient designated as a contractor ,! “We are glad to get a maturity insurance claim and call the effect of encouraging long life so that we can get a maturity insurance claim”, and “the care recipient, caregiver or care provider, etc. It is not a "computer invention between an insurance business operator and a customer" that can be covered by insurance money if the care recipient and the insured have lived longer than the specified age. I helped.

[0004] Furthermore, the function of “showing only the desired range of the contents of the insurance contract and the status of subscription to the person desired by the contractor at the contractor's will” has been strong. [0005] In addition to the insurance function that compensates for long-term care expenses by providing maturity insurance benefits to long-lived persons and recipients who are involved in Z or their long-lived persons, there is a possibility that they may become eligible persons. For people, it also has a game function that brings out the fun of winning a lottery ticket. Insurance that makes it easy to disclose the surviving (life or death) status of the insured person so that the elderly who are the insured person are valued as a result and the elderly person who is the insured person is valued as a result It would also be desirable to provide a longevity insurance system and method for handling products!

[0006] Depending on the contents of long-life insurance, so-called life insurance, in addition to the existence of the insured (life or death), the maturity insurance premium and Z or dividends that are calculated, for example, the operational results of accumulated premiums. It is also a challenge to raise the motivation to join the longevity insurance and to achieve that purpose by disclosing up to the expected amount of payment, and to give the parties a strong sense of life.

[0007] In the initial contract, if the longevity insurance that allows the contractor to freely set the maturity age and allows the contract to be changed within a certain range of restrictions, the insured's age at the time of maturity, the maturity age, can be received. The total amount of insurance money, insurance payment method and amount will be simulated many times to make a comprehensive estimate. There was also a problem that insurance companies that solicited this comprehensive estimate without a store had to respond quickly and easily.

[0008] In particular, the payment method of insurance premiums is fixed by the initial contract, and it is difficult to change the contract. When considering the change, there was also a problem that the insurance premium delivery schedule after the change, so-called “payment condition change estimate” was necessary. In other words, if the payer has sufficient funds, he / she can voluntarily advance the payment, otherwise it would be desirable to have the flexibility to set a payment grace period. It is hoped to provide a convenient longevity insurance system and method that will not interfere with this.

Disclosure of the invention

[0009] The present inventor has conducted extensive research to solve the above problems. As a result, To solve the problem, realize a longevity insurance system and method for providing a maturity insurance payment to a recipient who is eligible for the insured person due to reaching the specified age, and to complete the present invention It came.

That is, as various aspects of the present invention, the following longevity insurance system is provided.

[1] An insurance management server that supports the implementation of insurance contracts that generate financial resources based on the insurance premiums collected by the policyholders and provide the payee with a maturity when the insured survives to the specified age

(30) and information connected to the insurance money management server (30), and contractor data (5), insurance fee collection data (6), insured data (7), beneficiary data (8) and insurance money The insurance business entity is composed of an insurance institution (3) including a database (DB1) capable of storing payment data (9), and the insurance money management server (30) is connected to the contractor terminal via the Internet (2). Internet connection means (31) for connecting to (1) and the contractor data (5) and insured data (7) input from the contractor terminal (1) after accepting the contractor's application And the contract means (32) for storing the recipient data (8) in the database (DB1), the insured person existence confirmation means (34) for confirming the date and time of death or survival of the insured person, database _{(DB 1)} the stored subscriber data in (5), what of the insured data (7), recipient data (8) The disclosure information control means (35) that can be updated and the disclosure allowable range can be controlled freely, and the insurance fee collection means (33) that deducts and collects the insurance premium from the contractor account (40) of the contractor. ), And an insurance payment program (37) for paying a maturity claim to a beneficiary specified by the insured data (7) and the beneficiary data (8), and a longevity insurance System (100).

[0011] [2] A part or all of the cumulative premiums collected from the insurance premiums are delegated by the investment management organization inside and outside the insurance organization (3), and the result of the management is the maturity insurance premium and Z or dividend. Contracts including the amount reflected in the amount of gold, the maturity claims and Z or the premiums and Z or dividends, and wills that are increased or decreased in conjunction with mortality and Z or price index values At least one of the timed disclosure messages registered in advance for notification to the insured person on the designated date, updated at regular intervals and automatically mailed to relevant parties The longevity insurance system (100) according to [1], comprising an information disclosure means (38). [0012] [3] The information disclosure means (38) newly establishes the content of the message to be disclosed by sending and receiving a one-way inquiry mail to the contractor at a timing earlier than the specified disclosure date and time of the timed disclosure message. The longevity insurance system (100) according to [2], characterized by providing an opportunity for addition, renewal and confirmation.

[0013] [4] As the disclosure information control means (35), an address, name, date of birth, age, school of origin, and publicly specified individual regarding the contractor, the insured person or the recipient The longevity insurance system (100) according to [1], further comprising a control function that selectively utilizes at least one of the symbols and as an effective search key.

[0014] [5] The amount of the maturity claim is adjusted to balance the balance between the premium income and claims expenditure of the insurance institution (3) by absorbing changes in the investment results and Z or mortality The number of occurrences of qualifications that can be obtained from the insured data (7) for which the qualification for the receipt of the maturity insurance has been confirmed by the means for confirming the existence of the insured person (34), and the insurance contract The insurance institution (3) using the payee data (8), the claim payment data (9), and the insurance premium collection data (6), in which the receipt ratio of gold is clearly specified and the eligibility is confirmed A dividend distribution program (36) that distributes dividends divided by the number of policyholders to the recipients specified in the insurance contract or its appendix. Longevity insurance system according to 1] (100).

[0015] [6] A code that uniquely identifies an individual, a taxpayer ID, an insured ID, an address, a name, or a handle name can be browsed as a search key. True, diary, and insured posting means (BBS) for each insured person that can update the latest data including any articles written by others and insurance premium management accounts that manage deposits and withdrawals of premiums (42) and deposit / withdrawal information (20) consisting of deposit data (11), withdrawal data (12), date / time data (13) and cause data (14) in the insurance management account (42) The payment date and time information collection means (15), and the difference date data (22), which is the difference between the insurance premium delivery schedule data (21) including the insured person name and contractor name, and the deposit data (11) Receivable data (2 3) is created by associating data (13) and cause data (14) Gold detection means (16), bonds that identifies the debtor for receivables extracts insured data (7) and subscriber data (5) contained the in receivables data (23) Clerk identification means (17) and said insured notice means linked by the insured person data (7) and contractor data (5) extracted by said obligor identification means (17) (1) characterized in that it comprises means for posting unpaid money (18) for posting the payment status of insurance premiums that may include the unpaid money data (23) in addition to the contract details to (BBS) Longevity insurance system as described (100).

[0016] [7] In the insured posting means (BBS), the disclosure information control means (35) has the authority to browse the disclosure allowable limit for privacy information including address, name, telephone number or email address. The longevity insurance system (100) according to [6], further comprising a secret key issuing means (28) for issuing a secret key that can be released in accordance with the code.

[0017] [8] Model data that defines typical contract terms and conditions, including total payments, number of payments, and payment deadlines for premiums that differ by age of insured at the time of enrollment and maturity date (24) In addition, the contract performance data (25) that is currently being executed while individually responding to each contractor based on the model data (24), and the contract that is the insurance payer based on the contract performance data (25) Policyholder change from generation to generation from parent to offspring, proportional increase in insurance premiums and claims, additional number of contracts, acceleration of premium payment, advance payment, deferred payment, halfway suspension, lump sum payment, Contract modification means (27) for storing contract modification data (26) in any combination of one or more of a new payment method to be designated, variable insurance or a set of reserve funds, in the database (DB1), The above contract Insurance premium delivery schedule creation means (29) that creates a schedule display of insurance premium delivery schedules based on line data (25) and contract modification data (26), said contract modification means (2 7), and said insurance premiums At the time of enrollment of an insured person under the condition that the re-partitioning program (51) that integrates and controls the delivery schedule creation means (29) and the payment confirmation (S44) of the lump sum premium (Z) is accepted as a condition of insurance enrollment (S45) The long-life insurance system (100) according to [1], characterized by comprising an early preferential lump sum payment program (52) for calculating a lump sum premium (Z) according to age (Y).

[9] [9] The re-partitioning program (51) and Z or the above-mentioned early preferential payment program

(52) is also used as a comprehensive estimation means (53) by simulation, The model data (24) and the contract change data (26) stored in the database (DB1) can be exchanged according to the input from the contractor terminal (1), and the model data (24) can be exchanged for each single contract. The insurance premium delivery schedule and the amount of insurance money received at the specified maturity age are displayed on the screen, and a single insured person has a different maturity age and a different maturity insurance fee for each Z or premium. The longevity insurance system (100) according to [8], comprising a comprehensive estimation means (53) by simulation that can assume multiple contracts.

[10] A longevity insurance method using the longevity insurance system (100) as set forth in [1], wherein an insurance application step (S1) from the contractor to the longevity insurance by the contractor terminal (1) and the insurance An approval step (S2) for returning from the insurance money management server (30) to the contractor terminal (1) that necessary data is stored in the database (DB1) in accordance with the application step (S1). The insurance fee collection step (S3) by the insurance money management server (30) based on the insurance contract, and the policyholder account (40) for the insurance fee collection step (S3) A withdrawal step (S4) and an existence confirmation step (S5) to obtain an existence declaration step (S6) regarding the existence of the insured person by email communication between the insurance money management server (30) and the contractor terminal (1) ) And information from the Basic Resident Register through information communication between the insurance management server (30) and the Juki Net Presence confirmation step (S5) to obtain the indication (S7), the contractor data (5), the insured data (7) and the payee data (8) stored in the database (DB1). The disclosure range changing step (S8) for changing the disclosure range by operating the contractor terminal (1) for any of the above, and the database ( The change acceptance step (S9) for changing DB1) and any one of the contractor data (5), insured data (7) and payee data (8) stored in the database (DB1) From the insurance money management server (30), the contract change request (S10) requested to be changed by operating the contractor terminal (1) and the database (DB1) changed according to the contract change step (S10). An acceptance step (S 11) for replying to the contractor terminal (1) and an acceptance of the contract change step (S 10) (S 11) The information disclosure step (S12) of the received data, the information browsing step (S13) from the contractor terminal (1) according to the information disclosure step (S12), and the insurance money management server (30) Calculated age of insurer (S 14), and if the determination step (S 14) is Yes, an insurance payment step (S 15) for distributing the maturity insurance benefits to the payee ) And a longevity insurance method characterized by being executed.

[0020] [11] A longevity insurance method using the longevity insurance system (100) according to [2], wherein the procedure until the information disclosure means (38) discloses information includes the timed disclosure message. Disclosure of an email to send an email to the contractor on a date set earlier than the specified date and time The email sending step (S61) and the content of the message that the contractor wants to disclose can be approved as it is already set, or Reply mail confirmation step for confirming whether the insurance money management server (30) has received the reply mail of the contractor power including information to be newly added or added or updated within a predetermined period (S62) ), And if the insurance money management server (30) receives the reply mail within a predetermined time limit, the instruction of the reply mail shall be followed. If there is no reply mail, the time-disclosure message will be disclosed as it is. Timed disclosure message Tep (S63), a longevity insurance method characterized by comprising:

[0021] According to [1], the insurance organization (3) that provides the beneficiary with a maturity claim when the insured person has survived to the specified age can be configured to be almost unstored and unattended. As the most effective use, care expenses when care recipients, caregivers or care providers actively become contractors and recipients, and care recipients and insured persons live longer than the specified age. A service that allows insurance to be covered by insurance money can be provided by a non-store and unmanned insurance organization (3) quickly, reliably and at low cost.

[0022] Further, the disclosure information control means (35) makes it possible to show only the range desired by the contractor who wants the contractor to view the contents and subscription status of the longevity insurance.

[0023] And, in addition to the support function to provide maturity insurance to the contractor by the relative of the longevity person who is the insured, the designated beneficiary, or the insured person, the longevity person As a result, it is possible to maintain the expectation that it will not be possible to become eligible.

[0024] In addition to the expectation, the recipients carefully cared for care, etc. in hopes of the insured's longevity, or the insured's self-help efforts to maintain health Interest that is completely different from the “lottery ticket” where efforts are not conducive to outcomes in terms of earning maturity claims There is an effect to call.

[0025] In this way, a business that provides maturity benefits to designated beneficiaries based on the fact that the insured has survived to the specified age, an insurance management server (30 ) Can provide a long-life insurance system (hereinafter referred to as “this system”) that can be operated without a store and unattended.

[0026] According to [2], the insurance organization (3), which is the business entity that operates the longevity insurance, is recalculated while applying realistic mortality as necessary to continue the insurance business. And related data can be updated with premiums and Z or maturity claims. In other words, if there is a significant change in the mortality rate, an operator providing longevity insurance will notify policyholders, insured persons, beneficiaries, and other interested parties to change insurance premiums and claims. And Z or change results can be communicated.

[0027] Then, if profits are increased as a result of managing some or all of the accumulated premiums in-house and at internal and external investment management institutions, the amount of insurance money can be increased year by year, which is a measure against inflation. A price link that increases premiums and maturity claims linked to prices is also an effective measure against inflation.

[0028] Further, when the insured person is designated as the recipient, the insured person can be rewarded. The mortality rate and Z or the investment performance and other forces that change from day to day can be easily displayed on the contractor terminal (1) via the Internet (2), with the calculated maturity insurance claims and Z or dividends expected to be paid. Therefore, families who often engage in the care of the insured will also have expectations in the future, and as a result, elderly insured will be valued.

[0029] Further, the information disclosure means (38) updates the timed disclosure message registered in advance for the contractor to transmit to the insured person on the specified date, including the will, to the relevant parties. It can be easily mailed to the Internet or easily disclosed via the Internet (2).

[0030] According to [3], when the disclosure designation date and time of the timed disclosure message approaches, the information disclosure means (38) sends and receives a one-way round-up inquiry mail to the contractor at an earlier timing than the disclosure designation date and time. Through this inquiry email, the content of the message to be disclosed is newly added, added or updated. There can be new and confirmation opportunities.

[0031] According to [4], one or more of the address, name, date of birth, age, school of origin, or code that personally identifies the individual regarding the contractor, the insured person or the recipient By means of disclosure information control means (35) with the ability to search freely as a search key, only the range permitted by the contractor out of the longevity insurance contract content and subscription status can be viewed via the Internet (2) This makes it easy for anyone to search. By doing so, we hope for the longevity of the insured so that the beneficiaries involved with the elderly who are insured can become eligible. In other words, the elderly who are the insured are valued because the profits to some extent match. It is also possible to consider privacy.

[0032] According to [5], the amount of insurance claims at maturity can be adjusted in such a way as to balance the balance of premium income versus claims expenditure by absorbing changes in fund management performance and Z or mortality. Basically, there is no possibility of excess debt. Therefore, it can be carried out without difficulty even by a business entity with insufficient financial strength. Dividend distribution program (36) enables distribution of profits after settlement to the beneficiaries specified in the insurance contract or its appendix.

[0033] According to [6], the insured posting for each insured person that can be viewed as a search key using a code, taxpayer number, insured person, address, name, or handle name that uniquely identifies the individual Receivables data (23) can be easily obtained if interested parties such as the beneficiary of insurance access the means (BBS) with a sense of purpose. It is possible to prompt a contractor to pay money, or to pay on behalf of the contractor.

[0034] Therefore, it is easy to prevent accidents that invalidate insurance contracts due to non-payment of insurance premiums, that is, the loss of the right to expect and the right to receive insurance money. In other words, in the event of non-payment of insurance premiums, the stakeholders who want to know the best are able to quickly detect the fact of non-payment of insurance premiums, so insurance premiums are lost earlier than losing eligibility for insurance claims. Non-payment can be resolved.

[0035] In addition, the insured posting means (BBS) that updates the latest data including any of the self-introduction articles, photographs, diaries, and articles written by others is up-to-date. Knowing the insured as well as the parties including the insured and the policyholder Since the three parties can write freely and can view it interestingly, the frequency of access is increased, and the possibility that non-payment of insurance premiums can be resolved after browsing is further increased.

[0036] According to [7], only the person who has been taught the private key encoded and issued by the private key issuing means (28) is allowed to use the address, name, telephone number in the insured person posting means (BBS). Allows viewing of privacy information including numbers or email addresses. Therefore, the privacy of insured persons can be protected.

[0037] According to [8], using the re-partitioning program (51), the contract change data (51) that takes into account the increase in insurance premiums by increasing the insurance amount or adding the number of contracts, or the discount rate due to advance payment, etc. Based on 26), contract performance data (25), and premium collection (cumulative premium) data (6), the insurance premium delivery schedule can be created and displayed on the screen.

[0038] Therefore, for a contractor who is obligated to pay, it is possible to select a free payment method by referring to the insurance premium payment schedule and to change the insurance premium accordingly.

[0039] On the other hand, for insurance companies, it is possible to present the payment conditions for newly re-divided insurance premiums as soon as they are fulfilled as a premium delivery schedule, any number of times as soon as possible. Planning and presentation of form insurance.

[0040] According to [9], the comprehensive estimation means (53) by simulation can be effectively used for the purpose of soliciting for longevity insurance.

This comprehensive estimation means (53) combines the re-partitioning program (51) and Z or the above-mentioned preferential treatment lump-sum payment program (52) described in [8] as the comprehensive estimation means (53). ) Configuration itself is stored in a changing database (DB1), and V, Ru model data (24) and contract change data (26) can be exchanged in accordance with input from the contractor terminal (1) and single contract. You can display the insurance premium delivery schedule and the amount of insurance money that can be received at the specified maturity age (1).

[0041] Since a single insured can assume a plurality of contracts, it is suitable for actual commercial use. As a result, those who are considering joining Longevity Insurance can use their own contractor terminal (1). By operating, for example, entering the insured's age of participation, maturity age, amount of insurance money that can be received at that maturity age, payment method of insurance premiums, etc. Is displayed. Or, by entering the insured's date of birth, the specified maturity age, the amount of premium desired by the subscriber, the expected payment date, etc., the amount of insurance money that can be received at the specified maturity age is displayed. Various simulations can be performed by yourself. In addition, insurance operators including banks, etc. and terminal operators entrusted by insurance institutions (3) can operate insurance contractor sales tools simply by operating the contractor terminals (1) administratively. This makes it possible to efficiently conduct questions and answers with customers, eliminating the need for specialized insurance diplomats that require advanced interpersonal negotiation capabilities with interviews, and constructing an almost unmanned agency network or sales network Insurance institutions (3) can also solicit insurance.

[0042] According to [10], it is possible to provide a longevity insurance method that further ensures the effects of the system according to [1].

[0043] According to [11], substantially the same effect as [3] can be exhibited.

[0044] The aspects and advantages of the present invention described above, as well as other effects and further features, will be described in detail below with reference to the accompanying drawings. Will be more obvious.

Brief Description of Drawings

[0045] FIG. 1 is a block diagram of the present system according to an embodiment.

FIG. 2 is a block diagram showing the configuration of the insurance money management server and database shown in FIG. 1.

[Figure 3] Longevity insurance application screen.

[Fig. 4] The insurance application power in this system is also a flowchart up to insurance money transfer.

[FIG. 5] Insurance content disclosure screen, (a) explanatory diagram of search key, (b) example of disclosure screen.

FIG. 6 is a block diagram showing the structure of an insurance money management server and database developed in addition to the one shown in FIG.

[Figure 7] Explanatory diagram of insurance money management account in this system. (A) explains insurance premium accrual (B) is a diagram explaining insurance payment.

FIG. 8 is a flowchart of a repartitioning program.

[Fig. 9] Flow chart of early preferential lump sum payment program.

FIG. 10 is a flowchart showing a procedure until information disclosure means discloses information.

BEST MODE FOR CARRYING OUT THE INVENTION

Next, embodiments of the present invention will be described in detail with reference to the drawings as appropriate. FIG. 1 is a block diagram of the system according to the embodiment. In FIG. 1, this system 100 is distributed to an existing insurance institution 3 connected via the Internet 2 to a contractor terminal (hereinafter also simply referred to as “contractor”) 1 of the “longevity insurance” system described later. The insurance money management server 30 is set up and the bank 4 is connected to the insurance money management server 30 so that electronic commerce is possible.

[0047] The insurance money management account 42 important for the insurance organization 3 is formed in the database DB1 so as to be controlled by the insurance money management server 30 as needed. An insurance claim management account 42 'may be opened in bank 4.

[0048] Insurer 3, which is the operating entity of the System 100, means a life insurance company, etc., but is not limited to it. Investment trusts, investment corporations, various associations, corporations If the insurance money management server 30 is installed with a foundation such as a foundation, financial institution, or administrative agency as the base, it is possible to conduct business without a store and without attendance. If municipal offices, etc. throughout the country become operational entities, they can be operated much more efficiently and at low cost for the reasons described below.

[0049] In addition, a settlement account (hereinafter also referred to as a “contractor account” or an “insurance premium payment account”) 40 in the name of the contractor that the contractor transacts with is opened in the bank 4, and the insurance management server 30 and It is possible to automatically withdraw insurance premiums from the policyholder account 40 through e-commerce transactions. This bank 4 is only an example of a financial institution, and it does not have to be a bank if it can set up a contractor account 40 that can be automatically debited by electronic commerce such as Internet banking.

[0050] It should be noted that the contractor shall be able to respond to specific operations of the contractor terminal 1 such as Internet connection and electronic commerce, but regarding whether or not the insured who is an elderly person can respond. If it is necessary and difficult for the insured person to operate, an agent such as a family member with ordinary administrative capabilities can operate the contractor's terminal 1 under the authority of the principal. Shall. It is also possible to handle the contractor terminal 1 by operating insurance agents including banks, etc., or diplomats entrusted by the insurance organization 3.

[0051] When the contractor terminal 1 is connected to the insurance money management server 30 via the Internet 2, the homepage provided by the insurance organization 3 (hereinafter referred to as "longevity insurance homepage" or simply "homepage") can be opened. On this website, in addition to the “Longevity Insurance” system announcement, the application procedure, exchange of progress information, and posting of financial reports required by the insurance organization 3 can be viewed. Transactions between bank 4 and contractors are either regular transactions using bankbooks, seals and cards, telephone banking using push phone calls, or Internet banking that allows deposits and withdrawals from the contractor terminal 1 via the Internet 2. It does n’t matter.

FIG. 2 is a block diagram showing the configuration of the insurance money management server and database shown in FIG. In FIG. 2, the insurance management server 30 provides a longevity insurance homepage on the Internet 2 and is provided with an Internet connection means 31 composed of a well-known browser and modem, etc. Communicates with contractors who are connected to information. The database DB1 may be included in the insurance money management server 30. In the following, the explanation will be continued on the assumption that the subscriber terminal 1 is connected to the Longevity Insurance website and an environment in which the well-known electronic commerce can be executed has been established.

[0053] The contract means 32 is a part of the electronic commerce means, and the contractor operates the mouse and keyboard of the contractor terminal 1 with the help of the subscription application screen described later along FIG. Address, name, date of birth (age), gender, that is, description of longevity insurance contracts, including entering the items identifying the person on the resident's card and agreeing to automatic withdrawal of insurance premiums The insurance management server 30 completes the procedure for long-life insurance contracts in an unstored and unattended manner by using a method capable of storing evidence that is approved as an approved matter. The insurance money management server 30 does not require manpower other than maintenance, and does not require a store, a store clerk, an office, a clerk, or a paper book. However, paper forms and books (not shown) may be printed out appropriately. [0054] The insurance fee collection means 33 is also a part of the electronic commerce means, for example, 25 days from the contractor account 40 that can be automatically debited and settled at the bank 4 that the contractor terminal 1 trades. The insurance fee is collected by automatic withdrawal.

[0055] Insured person existence confirmation means 34 is the Basic Resident Register of municipalities nationwide (hereinafter referred to as “city”) including special wards in Tokyo (23 wards including Chiyoda ward). It is connected to the network (hereinafter referred to as “Juki Net”), and even if there is no active notification of death from the contractor's terminal 1 to the insurance money management server 30, the resident's card or family register is not When the status is updated from “Status” to “Death”, the death information of the insured shall be obtained legally and automatically. In other words, the legal and institutional restrictions on permitting and disclosing personal information have been lifted! Assumes environmental conditions.

[0056] If it is difficult for the insured person existence confirmation means 34 to automatically obtain death information due to restrictions on the system or infrastructure, etc., the insurance management server 30 transfers it to the contractor terminal 1 every month. When the response to the confirmation of survival is lost from the contractor's terminal 1, the first access to the Juki Net is made to clarify the purpose and justification of the longevity insurance. Confirm the existence of. This confirmation of existence may require a minimum of manpower depending on the system constraints. For example, you may leave it to a legally qualified person who can view a resident's card etc. without questioning the reason. The insured person can also be a contractor, but in this case, if this person dies, the person will naturally not be able to operate the contractor's terminal 1. It is assumed that the contractor, the agent, etc. operate the contractor terminal 1 or can perform the same procedure.

[0057] Disclosure information control means 35 can freely control any disclosure allowable range of contractor data 5, insured data 7, beneficiary data 8, and claim payment data 9 stored in database DB1. Can be set. In addition, the disclosure information control means 35 includes one or more of an address, name, date of birth, age, or school of origin regarding the contractor, the insured person or the recipient, and a valid search key (see FIG. 5). It has a control function to selectively use as. In order to realize this, it is sufficient to construct a search means in advance on the side of creating the homepage. In other words, “Gazette text” of “Japan Patent Office Digital Library” linked to the JPO homepage This is the same procedure as “Search item selection”, “Search keyword”, “Search method, AND'OR” in “Search”.

[0058] As an advanced function of the disclosed information control means 35, the authority to browse information is ranked in several stages, and a "secret key" that means "key by rank" is encoded and issued accordingly. Anyway. Specifically, the four-digit “password” described in the upper right part of FIGS. 3 and 5 (b) described later is regarded as the “master 'key”, allowing all information to be browsed and partially modified. Then, an “item-specific key” is issued with a different code from the “master 'key”. For example, if you have an “insurance details key” for each viewing permission item, you can only view “insurance details corresponding to the ID”, and if you have an “age key”, you can enter “birth date and age in addition to the insurance details corresponding to the ID”. It is possible to browse only, and in order, the scope of browsing is upgraded to “Old school”, “Address”, “Name” and the privacy area.

[0059] With the “secret key” that means “key by rank” in the disclosure information control means 35, it is possible to show the contract contents and subscription status of longevity insurance only to the range desired by the contractor. It becomes possible. For example, if the “age key” allows you to view up to “birth date and age in addition to the insurance contents corresponding to the insured ID”, the safety status of the elderly who were born in the same year will be able to see the safety situation. If you want to be able to confirm it every day and look forward to it, and want to get close to the insured people, you can check the “school”, “address”, “name”, and “publicly identifying code”, for example, “taxpayer number”. And “private key” that can be viewed up to the privacy area.

[0060] Furthermore, as another way of enjoying the "secret key", for example, "Army what graduates" is commonly called, such as confirming the safety and cohesion between "Army Academy graduates" There are also messengers, which can increase the fun. In this case, even if the parties' strength S “secret key” is not taught, “school” will function as a valid search key, and only the “ID” of the corresponding person can be listed. If this is the case, in addition to this system 100, the relevant person will be identified by the "Alumni Association List", etc. that the relevant person will have, and the "secret key" If you teach each other,

[0061] On the other hand, one of the most common ways to use it! / How to use it is to actively teach the “secret key” to the insured's relatives and friends. Doing so, you are an insured person Hope for the longevity of the insured so that the beneficiary involved in the elderly or the insured can become eligible. In other words, those who have a certain level of interest with the insured value the elderly who are insured. In this case, if the insured person 'contractor' recipient is the same person, you can enjoy exceptional fun. For example, the reason that a cared person becomes an active contractor and recipient is that the person receiving the caregiver wants to give thanks (money) to the person who is taking care. It is possible. In addition, due to the nature of “secret key”, consideration for privacy is sufficient.

[0062] The dividend distribution program 36 is configured by a mathematical expression calculation program, and a plurality of mathematical expressions may be stored so that they can be appropriately selected from the database DB1.

[0063] Specifically, by executing the dividend distribution program 36, dividends obtained by dividing the profits remaining after the balance sheet of insurance institution 3 by the number of policyholders are distributed to the recipients specified in the insurance contract or its appendix. Distribute. Specifically, the number of occurrences of qualifications obtained from the insured data 7 whose qualifications for maturity claims have been confirmed by means of means for confirming the existence of insured persons 34 and the ratio of claims received are clearly indicated by the insurance contract. The payee data 8, the insurance payment data 9, and the insurance fee collection data 6 are used to calculate by a predetermined formula.

[0064] Since the amount of insurance claims at maturity can be adjusted to balance the balance between insurance premium income and claims expenditures of insurance institution 3 by absorbing changes in investment results and Z or mortality. As a result, the dividends calculated in a comprehensive manner are distributed to the payees. These updated data on insurance claims and Z or dividends are structured to be shared with policyholders, insured persons, beneficiaries and other interested parties as appropriate.

[0065] However, if the mortality rate changes significantly, the amount of insurance premiums and maturity claims needs to be revised considerably in order to maintain the balance of income of insurance institution 3. At that time, the mortality rate used as the basis for the revision is based on actual and future values calculated by conducting appropriate surveys by public institutions in the country or region where the insured of longevity insurance resides, or an equivalent organization. Use highly reliable figures published as expected values.

[0066] Insurer 3, the business entity that operates the longevity insurance, re-calculates premiums and Z or maturity claims, applying realistic mortality as necessary to continue the insurance business. The related data can be updated. That is, the mortality rate If there is a change, the operator providing the longevity insurance will notify the policyholder, insured, beneficiary or other interested parties of the longevity insurance to change the premium, insurance money or dividend, and

Z or change results can be communicated.

[0067] The number of insured eligibility occurrences is calculated by extracting the number of insured persons who have reached the prescribed age 100 by means of insured person existence confirmation means 34 from insured data 7 and counting the number of insured persons. It is confirmed that the qualification for the maturity insurance has been generated only by the number of people.

[0068] Since the beneficiary data 8 clearly indicates the ratio of insurance claims received based on the insurance contract, each beneficiary related to the insured who caused the eligibility was determined Insurance money multiplied by the receipt ratio is paid to the beneficiary.

[0069] The specific means of insurance payment is constituted by well-known Internet banking linked to the insurance payment program 37. Under this insurance payment program 37, the payment amount calculated according to the contract or taking into account various circumstances is transferred to the beneficiary account 41 of eligible persons. However, since it is executed only with a very rare probability, other methods that require manpower may be used for insurance payment.

[0070] The insurance payment program 37 was calculated in accordance with the original contract or by taking into account various circumstances to the beneficiaries identified by the insured data 7 and the payee data 8 stored in the database DB1. Pay the amount to be paid as maturity insurance.

[0071] Specifically, as will be described later, the current age is calculated based on the date of birth data and calendar included in the insured data 7, and when the specified age is reached, the latest recipient data 8 Pay maturity insurance to eligible employees. The various circumstances mentioned here mean fluctuations in operational results, mortality, prices, etc., and the insurance payment program 37 is composed of a compilation of calculation programs corresponding to various circumstances. It is supposed that it can be adjusted or modified within the specified range.

[0072] The information disclosure means 38 has the ability to publish in real time on the homepage only the data approved to disclose the status of longevity insurance. Details will be described later.

The database DB 1 stores policyholder data 5, insurance fee collection data 6, insured person data 7, beneficiary data 8, and insurance payment data 9.

Contractor data 5 may be the same as the insured / recipient, and the insurance premium is collected. In addition to calculating cumulative premiums from Data 6, it is also used for receivable measures.

[0074] In addition, insured data 7 is the maturity age specified by the contractor at the time of contracting, in addition to personal data such as address and name, as well as calculating the age of the insured person based on the date of birth data and the power render function. Data is used so that the number of qualifications that can be received can be calculated by determining whether or not the child has become old.

Recipient data 8 specifies the eligible recipients and specifies the receipt ratio. The insurance payment data 9 includes the insurance payment calculated as described below.

[0075] It should be noted that the database DB1 should have insurance premium collection data 6, and the results of the management of some or all of the cumulative insurance premiums collected by insurance premiums at the investment management organization inside and outside insurance organization 3. It is possible to include operation data of delegated operation means (not shown) to be reflected in the amount of money.

Furthermore, the database DB1 may include price-linked data of price-linked means (not shown) that increases insurance premiums and maturity claims linked to price index values.

[0076] If implemented based on the “M-type (discussed below)” contract that uses the commissioned management means and Z or price-linked means together, the maturity insurance amount can be increased year by year, which is a measure against inflation. Opening operational data and Z or price-linked data on the website has the effect of increasing interest and security for policyholders, insured persons, and recipients.

[0077] In this context, “management data” refers to the portfolio and investment performance of the investee, and “price index value” refers to the “Wholesale Price Index” regularly published by economic analysis institutions, etc. "Consumer price index" refers to "price-linked data" means a set amount linked to prices

FIG. 3 is a longevity insurance application screen. This screen connects to the longevity insurance homepage, which is always uploaded to the Internet 2 through the cooperation of the insurance management server 30 and the internet service provider (not shown), and connects to the longevity insurance website 1 from the contractor terminal 1. After browsing through the screens, etc., it is possible to reach the page by opening the pages according to the purpose.

[0079] In the longevity insurance application screen shown in Fig. 3, the contractor B entered at the top of Fig. 3 Apply for longevity insurance interactively by operating a mouse and keyboard (not shown) as a well-known electronic commerce method. In other words, enter your address, name, date of birth, gender, and maturity age, and press the intention indication button indicating that you have agreed to the longevity insurance contract.

[0080] Contractor B is the eldest son of Insured A. For example, after Mr. Insured A joined on his 65th birthday, until the due date of 80 years old premium payment 15 years X 12 months X Monthly insurance premiums 2000 yen = 360,000 yen are paid from the contractor account 40 (payment of insurance premiums) in the name of the contractor.

[0081] In addition, in the middle of Figure 3, Mr. A, who is insured that the relationship with the contractor is "Father (the eldest son)", is the maturity age specified at the time of contract on March 20, 2005. If you are alive at that time, you will be eligible to receive qualifications, and the relationship with the insured will be given to the 50% of the recipients whose relationship is “the eldest wife”. Ten million yen of insurance money is distributed, and 5 million yen of insurance money is similarly distributed to 50% of recipient D, who has a relationship with the insured of “elder daughter”.

[0082] FIG. 4 is a flowchart up to insurance application power insurance money transfer in this system. As shown in Fig. 4, this system uses the insurance management server 30 as the operating entity, and realizes unattended and non-store operation through information communication with the policyholder terminal 1, policyholder account 40 and Juki Net. .

FIG. 5 is an insurance content disclosure screen, (a) an explanatory diagram of a search key, and (b) an example of a disclosure screen. This disclosure screen is a part of the homepage. (A) The explanatory diagram of the search key shows the screen configuration that enhances the convenience of information search using the search key. If you enter “99 years old from a military school”, the insurance details of insured A will be disclosed as shown in (b) Disclosure screen.

[0084] However, this is only possible when Mr. B, the contractor who has obtained the consent of Mr. A, who is the insured, has set to permit disclosure of all items on the (b) Disclosure screen. In addition, general readers can only browse ID, age and longevity insurance, ie “65 years old to be paid every month…”!

[0085] If the cursor 'highlight 10 is moved up, down, left, or right using the arrow keys attached to the contractor terminal 1, the search keys are "insured person", "contractor", "recipient", "address", " You can select one or more items from “name”, “birth date”, “age”, and “school”. Na Of course, “birth date” and “age” are linked in the calendar function, and it corresponds to the full age at the time of search!

[0086] Although it is possible to search all information by using a keyword, the contractor can set so as not to disclose information that violates privacy, including personal names. Conversely, information within a desired range such as name can be disclosed only to those who wish. In addition, the contract details on the longevity insurance application screen shown in Fig. 3 can only be obtained by a specific person who is informed of the `` secret key '' equivalent to the nosword in accordance with the ID shown in the upper left of the disclosure screen in Fig. 5 (b). You may make it browse. However, the contract contents cannot be changed unless the password is entered.

Here, along with FIG. 4, the entire operation of the system 100 will be explained without omission. The subscriber opens the homepage with the contractor terminal 1 and executes the insurance application step (S1) along the screen shown in FIG. Hereinafter, the term “step” described before (S code) will be omitted, and “execute step” will be simply abbreviated as “do”. If the insurance management server 30 accepts (S2) in response to this insurance application (S1), insurance premium collection (S3) starts, so the insurance premium will be deducted from the policyholder account 40 on the 25th of each month, for example. (S4) is executed.

[0088] Further, the insurance money management server 30 communicates with the contractor terminal 1 by e-mail for confirmation of existence (S5), for example, on the first day of every month. In response to an inquiry from the insurance money management server 30 to the policyholder's email address shown in Fig. 3, “Are you insured, how are you? Get a reply to the declaration of existence (S6) saying “I'm alive” or “Oct. At this time, if the contractor is an insured person, it will naturally be confirmed if the person responds.However, due to operational problems with the contractor terminal 1, the wife of the eldest son, etc., will replace the insured person. An agent may make a proxy response. An insured person is considered to be alive if he / she is bedridden or in a state where he / she has the ability to make a legal decision. However, if the death is assumed to be a survivor, it is treated as a fraud.

In addition, existence confirmation (S5) is performed unattended and automatically through existence communication (S7) through information communication with the Juki network. Regarding payment of connection usage fees and information disclosure fees, etc. with Juki Net, it is assumed that basic charges or pay-as-you-go charges are charged by well-known electronic commerce (not shown). Power family register browsing and It can be expected that it will be cheaper because it is unattended and automatically executed rather than the fee for obtaining a resident card. In addition, if there is any doubt about the contents of the declaration of existence (S6) where information can be collected for free, it can be confirmed with the information based on the existence disclosure (S7). Therefore, the number of times information is collected by disclosure of existence (S7) that generates expenses may be minimized.

[0090] The insured person's existence confirmation means 34 (Figure 2) confirms the insured's death date or survival, and each time the existence is confirmed (S5), the insurance payment program 37 (Figure 2) Perform insurance claims calculation.

[0091] Also, the disclosure information control means 35 (Fig. 2) sets the disclosure allowable ranges of the contractor data 5, the insured data 7 and the payee data 8 stored in the database DB1 in a controllable manner. Yes, if the contractor changes the disclosure range (S8) by operating the contractor terminal 1, the insurance management server 30 (Figure 1, Figure 2, Figure 6) accepts the change (S9) and stores the database DB1. change . As a result, the information disclosure form desired by the contractor is searched and disclosed, so that the information disclosure form desired by the contractor can be realized.

[0092] Further, in relation to this disclosure information control means 35, as a function to improve the convenience of search, the address, name, date of birth, age, school of origin, public, etc. relating to the contractor, the insured person or the payee In addition, it has a control function that selectively uses one or more of a code for identifying an individual, such as a taxpayer number, as an effective search key (see Fig. 5).

[0093] Further, when the contractor changes the contract by operating the contractor terminal 1 (S10), the insurance management server 30 accepts (S11), and the contractor data 5 stored in the database DB1 is insured. When requesting change of either Data 7 or Recipient Data 8, Insurance Claim Management Server 30 makes a decision using a decision program (not shown) in accordance with the authorization criteria for a predetermined contract change, and changes the contract (S10). Is accepted (S11), the data whose contract has been changed (S10) is disclosed (S12).

[0094] Here, changes that are not approved according to the approval criteria include replacement of the insured person and change of the date of birth of the same person. Using the password (see Fig. 3), the contractor can change the contract (S10) regarding the recipient's name and receipt ratio. The insured person cannot be changed, but the insured person, the contractor, and the recipient at the beginning of the contract can be the same person, or vice versa. is there [0095] Further, the contractor can open the homepage by using the contractor terminal 1 and browse the information (S13) for the contents of the information disclosure (S12). Information browsing (S13) is not limited to the contractor, but is made searchable to any number of people, but is made into an information disclosure form that can be browsed limited to the allowable range desired by the contractor. For example, even if the target person is identified by ID, it is possible to hide the person's address, name, and telephone number, and disclose the date of birth and other details of the insurance contract.

[0096] In the insurance money management server 30, an age calculation program (not shown) capable of calculating the latest age using the birthday data included in the insured person data 7 and the calendar function is constantly being executed. Then, the age calculation value of the insured is updated every day to determine whether or not the person has reached the specified age, for example, the full maturity age specified by the contractor at the time of contract (100).

[0097] If the determination of whether or not the contractor has reached full maturity, which is the maturity age specified at the time of contract (S14), is Yes by the age calculation program, On the last day of the fiscal year, the insurance payment program 37 that distributes the maturity benefits to the beneficiaries is executed, insurance premium collection data (cumulative insurance claims) 6, insured data (number of eligible qualifications) 7, and receipt The insurance payment data 9 is created using the taker data (reward qualifications / reception ratio) 8.

[0098] Not only the last day of the fiscal year, but also every month or every time the contractor's maturity specified at the time of contract is 100 years old (S14), the maturity insurance benefits are given to the beneficiary. You can run the insurance payment program 37 to distribute. When paying a maturity insurance claim each time, it is desirable to fix the maturity insurance amount to, for example, 10 million yen for each occurrence of eligibility for one insured person.

[0099] The insurance money management server 30 transfers the insurance money to the beneficiary account 41 (S16) so that the distribution amount calculated according to the receiving ratio for each beneficiary is paid to the eligible person (S15). ) Is executed, and the result of the balance settlement (S17) is stored in an accounting book file (not shown). The accounting book file is posted on the homepage in the manner of accounting balance settlement and information disclosure (S18), and the information is viewed by the public (S19). This is to ensure the transparency of accounting balances and prevent fraud.

[0100] In FIG. 4, by applying for insurance (S1) at the contractor terminal 1, the contractor, The insurer and the beneficiary begin to be engaged (members) as members in the System 100, and if they survive to the age of 100 years, the insurance money is transferred to the payee account 41 of the insured. (S16) terminates (unsubscribes) from the system 100. If the contractor, the insured person, and the payee are the same person, the contractor account 40 and the payee account 41 may be the same. Also, unlike policyholder account 40, where monthly insurance premiums are reduced, there is no payee account 41 that can be transferred only once in a few decades, but there is an alternative cash delivery method. It doesn't matter.

[0101] According to such a longevity insurance system 100, a lottery that can be earned by oneself, and the excitement and life that can be obtained from the expectation that a longevity person will be eligible for a maturity insurance claim. It is given to the insured. In addition, the operational status that changes from day to day and other expected payments can be easily displayed on the contractor's terminal 1 via the Internet, so it is also indirect for family members who often care for the insured. The possibility of belonging to the benefits of maturity insurance benefits can be expected in the future, and as a result, elderly insured persons will be valued.

[0102] This system 100 does not require a manpower and a store because all of the procedures are completed on a computer network centered on the insurance management server 30 connected to the Internet 2. Therefore, personnel costs and store maintenance costs can be saved.

[0103] Note that the details of the terms and phrases generally described in Fig. 3 are only examples of the following power, and may be changed as appropriate.

[Eligibility]

1. As a general rule, the insured must be under 80 years old. In addition, at the age of 80, it is possible to enter the car by lump sum payment. The contractor's qualification is that the person or agent can connect to the Longevity Insurance website from the nearest terminal, etc., perform necessary procedures, and view postings such as financial reports. It does not matter whether the insured has the ability to make a decision.

[0104] [Procedure]

2. Fill in the application form on the Longevity Insurance website and agree to this agreement to conclude a subscription. Even if the contractor's insured / recipient (the same person can be the same) is not capable of making an intention, the insurance contract will be established if there is a proper procedure by an adult guardian. [0105] [Violation]

3. If a misrepresentation of an insurance application is found intentionally or negligently, and it is difficult to cure the misrepresentation, it was canceled unilaterally with a warning from the “Longevity Insurance” side and received by the time of cancellation There is no obligation to comply with the premium refund request. However, it is not impeded to eliminate the misrepresentation and make it easier for new members to join.

[0106] [Payment of insurance premium]

4. As a general rule, the insurance premium payment method is free. As an example, an insured person can join by lump sum payment when he is 80 years old. As another example, a newborn baby can be insured and its parent can pay as a contractor.

[0107] [Non-payment of insurance premium]

5. If there is a failure to pay continuously or three times in total (monthly) for the continuous payment of insurance premiums, you will be notified via the Internet or through a normal means of contact and payment of insurance premiums currently contracted In principle, the method will be changed to a one-time payment contract at the age of 80, which is the unilateral final payment deadline. In other words, if the payment method decided once is not observed, it will be unilaterally converted to the most expensive payment contract with the lump sum payment of the final date of the premium.

[0108] [Optional withdrawal]

6. The contractor can cancel the contract at any time and cancel the contract. Stop the automatic withdrawal from the settlement account after the payment of the insurance premium including the intention to withdraw from membership. The portion of the premiums paid will not be repaid at all. However, for the reserve, the specified amount shall be returned.

[0109] [Automatic withdrawal]

7. If the insured person dies without reaching the full maturity age specified by the contractor, the procedure is equivalent to voluntary withdrawal.

[0110] [Maturity Insurance Payment]

8. "(L) fixed maturity insurance", "(M) investment profit added maturity insurance" and "(N) variable maturity insurance" can be arbitrarily selected according to the insurance contract. .

(Type L) Nippo-sho where the insured has reached 100 years old, the maturity age designated by the policyholder It is assumed that the specified amount of maturity insurance is transferred to the recipient's account on the designated date after the fixed date, and the procedure for withdrawal is completed.

[0111] (Type M) On the same designated date as the above-mentioned Type L, it is assumed that the amount of maturity insurance money, which is the sum of the insurance premium investment yield, is transferred to the recipient's account and the procedure for withdrawal is completed. However, there is also a reduction due to operational results. In other words, the amount of maturity claims can be adjusted to balance the balance between premium income and claims expenditure by absorbing changes in fund management performance and Z or mortality.

[0112] (Type N) Insured pays maturity insurance money according to the prescribed calculation at the end of the fiscal year including the day when the insured person reaches the full maturity age specified by the contractor to the payee's account. It is assumed that the procedure has been completed.

[0113] [Appendix · Dividends and others]

Maturity linked to the price index value, which is made available by reflecting the results of the management of some or all of the accumulated premiums collected by investment management institutions within and outside of insurance institution 3 and reflecting them in the amount of insurance claims and dividends. Disclose the amount of insurance claims and dividends.

[0114] By means of information disclosure means 38, the amount of maturity insurance claims and dividends and premiums due to changes in investment results, price linking and mortality, and timed disclosure messages including wills are updated every specified period. Posted on the homepage. Among the contents published on the homepage, the timed disclosure message is an optional service that allows the insured person to pre-register messages and other messages registered in the contractor's power event calendar (not shown) on a designated date.

[0115] This timed disclosure message is based on the insured's birthday, wedding anniversary, silver wedding celebration, golden wedding celebration, 100-year-old celebration, intelligence, will, New Year's card, Christmas, and other events registered by the contractor. The contents of the original design so that the contractor is registered to transmit to the insured person on the designated date in advance or with the power to correct the sentence examples and patterns etc. To do. These are not only posted on the homepage, but also a service that mails mail with a timed disclosure message to the parties concerned on the designated delivery date.

[0116] The procedure until the information disclosure means 38 discloses information will be described later with reference to FIG. As shown, for example, an inquiry email is sent to the contractor on the date set about one month earlier than the specified date of disclosure of the timed disclosure message, and the insurance money management server 30 receives the reply email within the predetermined deadline. Follow the instructions of the reply mail.

[0117] On the other hand, if there is no reply mail due to reasons such as the contractor's death, the timed disclosure message is disclosed as it is. This inquiry mail function allows the creation of new, added or updated messages, and confirmation of the contents of messages disclosed by contractors.

[0118] Important matters related to the performance of contracts are mailed to related parties including insured persons, contractors and recipients. However, in the case of a will based on this timely disclosure message, it conforms to the will method stipulated in the Civil Code, and therefore only has the effect of honoring the deceased without the legal effect of the will.

[0119] The amount of the maturity claims can be adjusted to balance the balance of insurance premium income versus claims expenditures of insurance institution 3 by absorbing changes in investment results and Z or mortality.

[0120] The profit determined by the balance sheet of insurance organization 3 is disposed of by dividends. Divided profit is divided by the number of subscribers or number of contracts to calculate dividend per contract. Dividends per contract are distributed to the beneficiaries specified in the insurance contract or its appendix at a specified ratio. For distribution, dividends determined by rounding off, rounding down or rounding up to the nearest ten yen are transferred to an account designated by the payee, or other methods. The beneficiary of the insurance money specified in the insurance contract and the payee of the dividend specified in the supplementary provision may be the same person or different persons.

[0121] Income and expenditure settlement and dividend notifications will be sent by email or mail. Dividend distribution processing is executed directly by insurance institution 3 equipped with dividend distribution program 36 or outsourced to an administrative center designated by insurer 3. The business of posting on the homepage, sending e-mail or mailing is automatically executed according to the command of insurance management server 30 of insurance institution 3.

[0122] As an irregular form, at the beginning of the contract, the parent who has the child as the insured becomes the contractor, and in the extension, the child of the insured person, that is, the person who is the grandson in terms of the initial contractor power, is the parent. As an insured person, the long-term life insurance policy is inherited, and the Succession contracts are also possible.

[0123] [Terms and Conditions]

List of insurance premiums by age of participation (the price may be calculated using the latest monetary value)

As a standard example, after joining with the 65th birthday, the final payment of insurance premiums! /, Until the 80th birthday, the due date

15 years X I 2 months X Monthly insurance premiums 2000 yen = 360,000 yen

In addition, variable insurance and reserve funds can be set arbitrarily. Therefore, in addition to the premiums that are collected every month, + a = 5 to 10% as a guide, it is refundable at the time of cancellation according to a proper withdrawal procedure that can be collected by collecting additional deposits.

[0124] “Variable insurance” in longevity insurance is insurance in which the amount of insurance claims and cancellation refunds increases or decreases based on the performance of investment. If insurance institution 3 causes the payee to receive payment, the basic insurance amount plus the variable insurance amount will be paid. Since the basic insurance amount is guaranteed at the minimum regardless of the investment performance, the basic insurance amount is paid even if the variable insurance amount becomes negative.

[0125] The monthly insurance premium of 2000 yen is as follows. After joining, the total amount of payment until insurance payment is completed by reaching 80 years of age is set at 360,000 yen, and is calculated by dividing equally by the number of months in the subscription period. 65 years old, 2,000 yen per month if you join at 0 months

65-year-old can join 80 years old = 15 years X 12 months = 180 months 360,000 yen Z180 months = 2,000 yen every month 66 years old If you join at 0 months, 2,143 yen every month

66-year-old ability also reaches the age of 80 months = 14 years X 12 months = 168 months 360,000 yen Z168 months = 2,143 yen every month

80 years old If you join at 0 months, 360,000 yen with lump sum payment

However, the above is an example, and the actual premium paid is calculated by taking into account the discount amount of the prepaid interest rate and the increase / decrease value of the premium due to the age of the insured in the above formula. That's a lot.

[0126] The insurance contract management server 30 completes the contract procedure in such a way as to be able to preserve evidence that can be objectively proved as the approval of the written description of the terms and conditions including the automatic withdrawal of insurance premiums.

FIG. 6 is a block diagram showing the structure of the insurance money management server and database developed in addition to the one shown in FIG. 2, and the essential components already shown in FIG. 2 are duplicated. The explanation is omitted, and only the additional items are clearly described. In the database DB1, deposit / withdrawal information 20 based on the contract information 50 is generated, updated, and accumulated. The insurance management account 42 is a deposit / retrieval of the deposit / withdrawal information 20 like an accounting book. .

[0128] As shown in Fig. 6, the insurance money management account 42 is a bank deposit account that is opened inside the insurance institution 3 and has the same function as a book that manages the deposit of insurance premiums and the withdrawal of insurance money. It ’s like a bunch for all the insured. Even if the insurance management account 42 is opened in the bank 4 outside the insurance institution 3, the insurance management server 30 can manage insurance premiums and insurance deposits and withdrawals. Insurance management account 42, 42, single or multiple.

[0129] The insurance money management server 30 receives the contract information 50 stored in the database DB1 and the entry / exit Use gold information 20 to perform necessary information processing. In FIG. 6, the database DB1 and the insurance money management server 30 belong to the insurance organization 3, but can be installed anywhere. Furthermore, it may be established in bank 4 as a financial institution independent of insurance management account 42 or insurance institution 3, for example.

[0130] The insurance money management account 42 is connected to the deposit / withdrawal information collecting means 15 (Fig. 6) so that the deposit / withdrawal information 20 can be provided in real time. Therefore, the insurance management server 30 and database DB1 mainly store insurance premiums and insurance withdrawals reproducibly as book data with a similar function to the deposit passbook, as well as management information. The deposit / withdrawal information 20 is configured to be output.

[0131] The contract information 50 includes model data 24, contract fulfillment data 25, and contract modification data 26.

Model data 24 is a data that patterns typical contract conditions including hiragana, including the total premium payments, the number of payments, and the payment deadline, which differ according to the age of the insured person at the time of enrollment and maturity date. And stored in the database DB1. Specifically, the total amount of insurance premiums collected is paid by the date of full payment until the age of 80, and typical contract conditions such as monthly installments are listed. It is data to be. Specifically, it is the contents described in the above [Attachment of Regulations], but it is merely an example listing, and other contract terms can also be displayed freely so that the application can be handled.

[0132] The contract performance data 25 is actually the data of the events that were executed by the contract that was concluded with some individual conditions, taking into account the circumstances of each contractor based on this model data 24. Yes, stored in database DB1.

[0133] The contract modification data 26 is data including information on changing the insurance contract so that any one or more of advance payment, deferred payment, mid-term suspension, and lump sum payment is arbitrarily combined based on the contract performance data 25 Yes, stored in database DB1.

[0134] Deposit / withdrawal information 20 includes deposit data 11, withdrawal data 12, date / time data 13, cause data 14, insurance payment decision data 19, insurance premium delivery schedule data 21, difference data 22, and accounts receivable data 23 There is. [0135] The deposit data 11 is data that is deposited mainly as an insurance premium into the insurance money management account 42, and includes information on the transfer source and execution date and time in addition to the amount itself.

The withdrawal data 12 is data withdrawn mainly as insurance money from the insurance money management account 42, and includes information on the transfer destination and execution date and time in addition to the money amount itself.

The date / time data 13 is the execution date / time when the deposit data 11 and the withdrawal data 12 are generated. The cause data 14 is information for explaining the cause of the deposit data 11 and the withdrawal data 12.

[0136] Insurance payment decision data 19 shows that, in Figure 4, if the decision whether or not he / she reaches 100 years old (S14) is Yes, for survivors who are 100 years old, March 31 In addition, it is created with insurance payment data 9 for distributing the maturity claims to the beneficiaries. The insurance payment determination data 19 has an effect of managing the execution status of the insurance payment (S15) and the insurance payment (S16) in FIG.

[0137] The premium delivery schedule data 21 is generated by the contract information 50 and is data such as an insurance premium delivery schedule including the insured name and the contractor name.

The difference data 22 is data indicating the difference between the premium delivery schedule data 21 and the deposit data 11.

Accounts receivable data 23 is data that is associated with date difference data 22 and date / time data 13 and cause data 14 and is also used for receipt of money.

[0138] The insurance money management server 30 includes deposit / withdrawal information collection means 15, uncollected money detection means 16, debtor identification means 17, uncollected money posting means 18, contract modification means 27, secret key issuing means 28, disclosure information. There are control means 35, insurance premium delivery schedule preparation means 29, re-partitioning program 51, early preferential treatment lump sum payment program 52, comprehensive estimation means 53 by simulation and insured person posting means BBS (Bulletin Board System).

[0139] The deposit / withdrawal information collection means 15 collects in real time the deposit / withdrawal information 20 consisting of deposit data 11, withdrawal data 12, date / time data 13 and cause data 14 in the insurance management account 42. Software.

[0140] Accounts receivable detection means 16 is software for detecting accounts receivable, and is intended for insurance premium delivery schedule data. Receivable data 23 is created by associating date / time data 13 and cause data 14 with difference data 22 extracted by subtracting receipt data 11 from data 21.

[0141] The debtor identification means 17 is software for identifying the debtor, and extracts the insured data 7 and the contractor data 5 included in the accounts receivable data 23 to identify the debtor for the accounts receivable.

[0142] Receivable posting means 18 is software for posting the receivables to the parties concerned.

The contract modification means 27 is software that stores the contract modification data 26 in the database DB1.

[0143] The secret key issuing means 28 is software that makes it possible to encode and issue a "secret key" according to the right to browse information.

The disclosure information control means 35 is software that releases the limitation of the disclosure allowable limit by the secret key issuing means 28 and the “secret key” that is encoded and issued by the secret key issuing means 28. Only those who are informed of the “secret key” are allowed to view privacy information including address, name, phone number or email address on the insured posting means BBS.

[0144] Insurance premium delivery schedule creation means 29 includes contract fulfillment data 25, contract modification data 26 and insurance.

This is a software that uses premium data (cumulative premium) data6 to create a premium delivery schedule that can be displayed on the screen.

[0145] The re-partitioning program 51 implements the contract change means 27 and the insurance premium delivery schedule preparation means 29 in an integrated manner in order to realize the intention to change the contractor so that it can be fulfilled. This is software that instantly presents a re-scheduled premium delivery schedule and executes the revised contract when you want to change the existing insurance contract.

[0146] For specific contract changes, policyholders who are responsible for paying insurance claims are transferred from parent to descendant from generation to generation, proportional increase in insurance premiums and insurance claims, addition of contract units, insurance premiums It means a change that arbitrarily combines one or more of accelerated payment, advanced payment, deferred payment, mid-term suspension, lump sum payment, new payment method specified by the contractor, variable insurance or set of reserve funds.

[0147] The actual data processing is based on the contract performance data 25, and the various changes described above. It is assumed that the contract is changed by storing the contract change data 26 that arbitrarily combines one or more of these forces in the database DB1.

[0148] Since contract fulfillment data 25 and contract amendment data 26 can be retrieved from database DB1 if the contract amendment is established, the insurance premium delivery schedule preparation means 29 uses these contract fulfillment data 25 and contract amendment data 26. Create an official insurance premium delivery schedule so that it can be displayed on the screen. Even if the change contract has not been finalized, a temporary insurance premium delivery schedule can be displayed on the screen, which can be used as judgment material.

[0149] The early incentive lump-sum payment program 52, as will be explained later with reference to Fig. 9, is the age of the insured at the time of enrollment under the condition that the payment confirmation (S44) of lump-sum premium payment is accepted (S45). Ability to calculate lump sum insurance premium Z according to (S42) Specifically, apply mathematical model stored in database DB1 with appropriate adjustment. However, this mathematical model (the inequality sign is exact!) Is only an example.

Y: Age at subscription

Z: —Prepaid premium (10,000 yen)

Z = Y-40 (45 <Y), Ζ = 5 (Υ <45)

[0150] In addition, as an additional function to the repartitioning program 51, a discount rate may be calculated and reflected so as to give preferential treatment if a large amount of premium is paid early. In other words, the earlier the deadline is, the closer the premium paid is closer to the full amount, the higher the interest rate premium will be discounted, and vice versa. You can adjust it to balance.

[0151] In this way, according to the repartitioning program 51, the insurance premium delivery schedule is instantly based on the model data 24, the contract fulfillment data 25, the contract modification data 26, and the premium collection (cumulative premium) data 6. Can be created and displayed on the screen.

[0152] In the early preferential lump sum payment program 52, the younger the subscriber, the lower the probability of insurance payment, so the premium is discounted and the premium is discounted. Adjust to balance. In other words, if you compare the 65-year-old and the 80-year-old person, the 80-year-old person is more likely to survive until the age of 100, so the probability of insurance payment and the insurance premium Lump-sum premium 保険 adjusted to make the relationship closer to fairness instantly Can be created and displayed on the screen.

[0153] Therefore, if there are inquiries regarding the paid portion and future payment obligations from the parties including the insured, the contractor, and the payee, the contract details that repartitioned the original contract details along the way, An insurance premium delivery schedule can be created and displayed on the screen to respond immediately.

[0154] In addition, when taking interest into the accumulated premium, the interest rate calculation program (details not shown) may be executed to calculate the total principal and interest amount. As an example of a simple interest rate calculation program based on insurance premium collection (cumulative premium) data6, for example, `` Inquiry of individual insured individual ordinary deposit balance E '' shown in Fig. 8 (S24) However, the savings balance E is added to the insurance premiums that have been paid and the interest rate equivalent to savings deposits is added to the interest rate calculation date twice a year in February and August. 23) The balance F may be finely corrected.

[0155] Instead of using an interest rate calculation program, in order to instantly calculate and present an insurance premium delivery schedule corresponding to various and irregular conditions, for example, until the insured is 75 years old The discount rate (discount rate or premium rate) for the standard premium is set according to the principal amount of the cumulative premium paid in the period between the next day of the 75th birthday and the 80th birthday. Alternatively, a simple and pseudo interest calculation program or discount table may be used, in which unpaid insurance premiums are paid at any time with the same result.

[0156] Insurer posting means The BBS can be securely searched on the Internet 2 using a unique net address that identifies the insured or contractor, and is linked to the home page provided by the insurance organization 3. One or more of the address, name, date of birth, age, school of origin, publicly identifying code, or handle name or name of the contractor, insured person or recipient without knowing the address You can easily search by entering the insured ID.

[0157] Then, the insurer posting means 18, which is an Internet bulletin board that anyone can view without restriction, by the unpaid money posting means 18, in order to post the unpaid money on the BBS, so that the related parties can view in real time. Based on Data 7 and Contractor Data 5, if the value of Receivable Data 23 is not zero, it will be easy for stakeholders to confirm that receivables exist. it can. The payment status of insurance premiums including the receivables data23, at that time, the insurer posting method BBS posted the details of the longevity insurance contract, and up to the premium delivery schedule data 21 prepared in accordance with the contract details Can be browsed.

[0158] Comprehensive estimate means 53 should clearly indicate the expected payment of insurance premiums and the expected amount of insurance claims received or Z, and the process up to obtaining insurance claims, for the purpose of soliciting for longevity insurance. This is a comprehensive estimate, and is combined with the re-partitioning program 51 and / or the above-mentioned early preferential lump-sum payment program 52, assuming multiple contracts for a single insured, and simulating each single contract. Since the insurance premium delivery schedule can be displayed on the screen for the number of contracts, it is suitable for actual commercial use.

[0159] In this way, the model data 24 and the contract change data 26 stored in the database DB1 in which the configuration of the longevity insurance system 100 does not change can be exchanged in accordance with the input from the contractor terminal 1, and can be exchanged. The insurance premium delivery schedule is displayed on the screen by simulation for each contract.

[0160] Comprehensive estimate means 53 is a text expression that extracts typical examples from model data 24 and mixes figures such as specific monetary amounts in order to make it easier to understand the benefits of longevity insurance for those who are close to the first meeting. Can be displayed on the subscriber terminal 1. For example, the child immediately after birth is the insured, the parent joins as a contractor who is obligated to pay, and the insurance premium is paid 50,000 yen in a lump sum. In that case, the most preferential discount rate is applied to the insurance fee, and the parents say to their children, “Be careful about your health so that you can live long enough to reach the prescribed age that will qualify for the maturity insurance.” There is also an effect that teaches strongly.

[0161] The effect taught in this way is strengthened as the insured child ages, and even after the death of the parent who was the contractor as the payment obligation, The effect of teaching children “I love you” can last for a long time. And since the parent can inherit the obligation to pay the insurance premium as a policyholder, if the child becomes a policyholder at the same time as the insured, the policyholder's own intentions and procedures will increase the insurance, The number of contracts can be increased freely.

[0162] The contractor's turnover between generations is not limited to one parent and child. In other words, not only does the parent who is the contractor make the child insured, but the contractor is also insured by his grandchildren and great-grandchildren. It is also possible for contractors to take over between generations to their powers and their descendants.

[0163] Then, by using the repartitioning program 51 and Z or the above-mentioned preferential lump-sum payment program 52, if contractors are changed, advanced payments, deferred payments, lump-sum payments, etc., the contractors who are obligated to pay are also their parents. It is possible to take over between generations.

FIG. 7 is an explanatory diagram of an insurance money management account in this system. (A) is a diagram for explaining unpaid insurance premiums, and (b) is a diagram for explaining insurance payment. In the following, Fig. 6 and others are also described.

[0165] As shown in Fig. 7 (a), the insured person A's monthly premium of 5,000 yen is due to the misunderstanding of the policyholder, but the policyholder account 40 is insufficient due to the policyholder's misunderstanding. It shows the fact that receivables were generated as a result of power not being deposited on February 25, 2005. The data processing in the insurance money management server 30 and the database DB1 will be described so that this accrual can be displayed on the contractor terminal 1.

[0166] Roughly, several types of model data related to longevity insurance contracts are stored in the database 24 DB. Based on this model data 24, the contract performance data 25 under execution is leaked by individual contracts (see Fig. 3 and Fig. 5) that have been rewritten to meet the individual circumstances of each contractor. Instead of the database DB1.

[0167] The contract performance data 25 is that the insured person A's monthly premium of 2,000 yen is automatically withdrawn from the policyholder account 40 of the policyholder B on the 25th of each month to the insurance management account 42. The depositing contract and its performance history and future schedule are structured, and the fact that this schedule has been fulfilled or not fulfilled is also recorded.

[0168] Based on this contract fulfillment data 25, insurance premium delivery schedule data 21 is created so that it can be displayed on the screen. The insurance premium delivery schedule data 21 includes the insured person's name and the name of the policyholder. Specifically, the monthly premium of 5,000 yen for the insured person A is paid from the policyholder account 40 to the insurance money management account 42. The schedule for automatic transfer on February 25, 2005 is clearly stated.

[0169] Insurance premium delivery schedule data 21 is collected from insurance premium collection (S3) and insurance premium withdrawal in Fig. 4 by an account transfer means similar to Internet banking between the insurance money management server 30 and the contractor account 40 in Fig. 1. (S4) acts to execute. [0170] However, because the balance of the policyholder account 40 of policyholder B was insufficient, the withdrawal of the monthly premium of 5,000 yen failed. As a result, as shown in Fig. 7 (a), “The insured person A's monthly premium of 5,000 yen was not removed from the contractor account 40 of the contractor B”. Cause data 14 is generated to be displayable.

[0171] The cause data 14 can be printed in a dunning letter if it is modified in a good-looking manner, for example, as non-accrual data 23 depending on the purpose of display. In this system 100, first of all, the non-accrual data 23 is posted on the insured person posting means BBS to take measures against the receivables.

[0172] Figure 7 (b) shows that the insured person A is 100 years old, so the insurance money of 10 million yen will be paid to the recipient C as per the contract shown in Figure 3 and Figure 5. This shows the fact that D was paid at a receipt ratio of 5: 5. In order to display this, the data processing in the insurance management server 30 and the database DB1 will be described.

[0173] The contract fulfillment data 25 being executed according to the contract shown in Fig. 3 and Fig. 5 is stored in the database DB1 without omission. As explained in line with Fig. 7 (a), at the final payment of the monthly insurance premium in this contract, policyholder B was defaulted because he misunderstood that the premium was paid in full. Recipient C and Recipient D who learned about the default by browsing the Internet on the same day. Both the recipient C and Recipient D offered to pay insurance agency 3, and the insurance management account 42 via Internet banking The default was resolved on 25 February 2005 (not shown) because the deposit was made on the same day from one recipient.

[0174] Insured A, whose insurance premiums were fully paid on February 25, 2005, was determined to be 100 years old on March 20, 2005, as indicated by date and time data 13, and the insurance payment decision data 19 is generated, and as shown in Fig. 7 (b), `` Insured A is 100 years old, so the insurance ratio of 100 million yen is paid to recipient C and recipient D 5 : Paid in 5 ”cause data 14 is generated for display. If this cause data14 is modified in a more general-looking manner and posted to the insured person's means BBS as `` celebrating Mr. A's 100 years of age and presenting 10 million yen '', the parties concerned will be convinced. can get.

[0175] Furthermore, it is preferable to attach a search tag so that it can be easily captured by a well-known search engine and to have links in various directions. For example, “School”, “Elderly Club”, “Municipalities” It is convenient to be able to link from homepages such as "government offices".

[0176] In other words, a nosokkonka having the same function as the contractor terminal 1 is also connected to the insurance money management server 30 via the Internet 2, and the insured person posting means BBS linked to the homepage provided by the insurance money management server 30 is provided. If the spread is made, the premium payment schedule 21 created in accordance with the contracts that differ for each insured and the payment status of premiums including the unpaid data 23, if any, can be viewed in real time on the insurer posting means BBS. Is possible.

[0177] In this way, stakeholder data, such as the beneficiary of the insurance money, can easily obtain the receivables data 23 by accessing the insured posting method BBS. Payment incentives or payments can be made to policyholders who are obligors

[0178] Therefore, prevent accidents that invalidate insurance contracts due to defaults on premiums, that is, the right to expect and lack of the right to receive claims It becomes easy to do.

[0179] In addition, the latest data can be updated on the insured person's bulletin board BBS including self-introduction articles of the insured person, reports of closeness in photographs and texts, diaries, and articles written by others. Can be posted on.

[0180] By making good use of this insured bulletin board BBS, an insured person who is an elderly person will be able to see it in the same way as if he / she appears on TV, and an opportunity to announce his / her current situation. By making it, you will be dressed in fashion and appearance, and will have the effect of wishing you to be healthy, healthy and live a long time.

[0181] If the third party can freely write to the insured bulletin board BBS, it will become a bulletin board for recent status reports, and it will perform a contact function such as reunion with a friend after a long search. Can be viewed more interestingly.

[0182] In other words, not only the parties including interested parties, insured persons and policyholders, but also writing by third parties who know the insured person is made free, so the frequency of access is increased, and browsing is performed. In addition, the possibility of resolving defaults can be further enhanced since the payment status of insurance premiums, including receivable data23, if any, can be viewed in real time. [0183] In other words, when a default of insurance premiums occurs, for example, an stakeholder who knows the most about an accident such as termination without being paid at the final payment date, Because the fact of default can be detected quickly, the default can be resolved faster than the loss of insurance.

[0184] Specifically, a portion of the premium was not paid immediately before the final payment date of the premium for a certain insured, and the eldest daughter, the beneficiary, viewed the insured posting means BBS. If. The eldest daughter is required to pay the insurance policyholders who are obligated to pay the insurance premium, for example, the eldest son by phone, or the eldest daughter or other children will transfer it on behalf of the eldest son. Chisaru

[0185] In particular, if the insured and the policyholder are the same person, the premium payer may forget to pay a reserve in the account where the premium is deducted because of the elderly age. It is often difficult to confirm whether the force has been withdrawn.

[0186] For example, it is not possible to confirm the policyholder account 40 (Fig. 1) for home insurance payments due to poor Internet banking and telephone banking, as well as to bank stores or ATMs. This is because going out to the bank book is often a hundred million dollars.

[0187] Therefore, according to the insured posting means BBS, a third party can confirm on behalf of the person who is obliged to pay the premium. The power is not a specific person but many people. This has the effect of reliably increasing the probability of finding a default. In particular, it will be possible to prevent defaults that may occur if you forget them.

[0188] However, anyone can open an insured person's bulletin board BBS via the Internet 2 from any computer anywhere, but the data that can be displayed includes privacy matters. Limits should be added to the possible range.

[0189] Therefore, the disclosure information control means 35 releases the limitation on the disclosure limit for privacy information including address, name, phone number or email address in stages by the “secret key” in the insured posting means BBS. The private key issuance means 28 is configured so that a “secret key” can be issued according to the authority to view information. [0190] The "secret key" may be read as a password, but the code is as defined by the program in the secret key issuing means 28.

[0191] With such a configuration, only those who have been informed of the "secret key" are allowed to view privacy information including address, name, phone number or email address on the insured person posting means BBS. Therefore, the privacy of the insured can be protected.

[0192] Figure 8 is a flowchart of the repartitioning program. When the policyholder changes the contents of the longevity insurance contract that has been contracted in the past, the new premium after repartitioning is calculated, and the premium delivery schedule The execution procedure of the program to be able to be displayed on is shown.

The contractor connects to the insurance money management server 30 via the Internet 2 from the contractor terminal 1, opens the policy change guidance screen (not shown) on the Longevity Insurance website, and reviews the contract change (S20). ).

[0193] In the guidance screen, whether the insured person is currently under 80 years old for the policyholder from the insurance money management server 30? (S21), if it is No, the conventional contract fulfillment data 25 is displayed as it is on the contractor terminal 1 (S22), and is provided to the information browsing (S36) with the same contents for later searches. The In other words, it is thoroughly communicated to the parties concerned that the contract was not changed.

[0194] In Fig. 8, the question to confirm the insured's age in (S21) is answered by keying in the contractor terminal 1 whether the contractor is Yes or No. The age may be automatically determined by the insurance money management server 30 until the contractor answers. This is because the insured person data 7 including the date of birth data is stored in the database DB1, and the age of the insured person can be calculated by the date of birth data and the calendar function. This is just an explanation of the fact that if the insured is currently over 80 years old, the contract cannot be changed.

[0195] On the other hand, in Figure 8 (S21), is the insured currently under 80? If the answer to the question is Yes, the contract can be changed, and the balance F that is currently unpaid is calculated (S23). In other words, if the total amount of insurance premiums to be paid is 360,000 yen, check how much of that amount has been paid E and calculate the balance F as 360,000 yen (S 23) do it. [0196] Since the paid amount E of the insurance premium can be obtained by referring to the insured individual's ordinary deposit balance E (S24), the respective amounts of the contractor terminals IE and F are displayed (S25). Here, the insured individual's savings balance E is considered to be a virtual savings account set up for the convenience of interest rate calculation, regardless of the number and amount of insurance premiums delivered. It is not always necessary to set up a savings account and make a deposit as long as interest calculation is automatically performed and the total principal and interest amount can be presented.

[0197] Once the balance F has been calculated, the contractor indicates on the contractor terminal 1 whether or not the balance F is a lump sum payment (S26). If the lump sum payment (S26) is Yes, the data to that effect is transmitted to the insurance money management server 30 side, and stored in the database DB1 to accept the lump sum payment of the balance F (S27).

[0198] The balance F may be increased or decreased depending on the age at which the lump sum payment of the balance F is performed.

In that case, it is better to use the lump sum premium Z, which will be described later in line with Fig. 9, as the calculation standard. For example, if you pay 65 months old and pay the balance F at the age of 67, apply the lump sum insurance premium Z = 270,000 yen instead of 360,000 yen.

Balance F = 270,000 yen-Calculate the balance F as E (S23).

[0199] On the other hand, if the lump sum payment (S26) is No, the contractor displays an intention on the contractor terminal 1 as to whether or not a part of the balance F is to be advanced (S28). Advance payment here (S28) If Yes, data to that effect is sent to the insurance management server 30 side, and if partial advance payment of the balance F is accepted (S29), after partial advance payment (S30), and this monthly flat monthly amount is stored in the database DB1, and the insurance premium delivery schedule newly created based on this monthly flat monthly amount is stored in the contractor terminal 1. Display (S32).

[0200] On the other hand, if part of the balance F is paid up (S28) No, whether or not to suspend payment of insurance premiums? The contractor makes an intention to display (S31) on the contractor terminal 1. If it is temporarily suspended here (S31) Yes, is the data to that effect sent to the insurance management server 30 side and is it the power to change the contract? (S33) The contractor displays his intention on the contractor terminal 1. Change contract here? (S33) If Yes, data to that effect is transmitted from the contractor terminal 1 to the insurance management server 30 side, and the contract change is completed (S34). Contract change data 26 It is provided for information browsing (S36) by storing it in DB1 (S35).

[0201] On the other hand, will the contract change? (S33) If No, the conventional contract fulfillment data 25 is displayed as it is on the contractor terminal 1 (S22), and is provided to the information browsing (S36) with the same contents for the later search. In other words, the fact that the contract has not been changed is well known to the parties concerned.

[0202] Figure 9 is a flowchart of the early incentive lump sum payment program. When longevity insurance policyholders are added, early incentive fees can be applied by lump-sum payment of the full amount of premiums in advance. Shows the execution procedure of the program.

[0203] In FIG. 9, unlike FIGS. 4 and 8, the contractor terminal 1 and the insurance management server 30 are distinguished from each other for various input / output and display! Is performed by the processing unit (CPU (not shown), etc.) of the insurance management server 30 using the data stored in the database DB1. As shown in Fig. 1 and Fig. 2, terminal 1 is connected to insurance management server 30 and database DB1 via the Internet 2.

[0204] Whether to apply for longevity insurance with this system 100? (S40), If Yes, whether or not to pay insurance premiums at the time of enrollment? (S41) If Yes, the lump sum insurance premium Z corresponding to the full age Y at the time of enrollment is calculated (S42).

Here, the following formula (inequality sign is not a strict guideline) is applied as a mathematical model for early preferential lump sum payment. This mathematical model is stored in the database DB1, and can be applied with appropriate adjustment.

Y: Age at subscription

Z: —Prepaid premium (10,000 yen)

Z = Y-40 (45 <Y), Ζ = 5 (Υ <45)

[0205] Lump-sum premium Ζ means that the entire premium is paid in a lump sum, as shown in the figure, if the insured's age at enrollment is 80 years old, which is the age limit, 40 The price is set at 10,000 yen, but the price is discounted by 10,000 yen for every 1 year of age. That is, the price is set at 390,000 yen for 79 years old, 380,000 yen for 78 years old, 270,000 yen for 67 years old, 260,000 yen for 66 years old, and 250,000 yen for 65 years old. . In addition, it is possible to set 50,000 yen uniformly for those under 45 years old. You can become an insured person with the insurance premium z.

[0206] The primary basis for pricing in such early lump sum payments is based on life expectancy and life tables. In other words, 2,000 yen per month from the age of 65 years of age until the middle of the age of 80 years 15 years X 12 months X 2,000 yen per month = 360,000 yen is paid on a monthly basis. On the other hand, the lump sum deposit at the age of 65 is set at 250,000 yen and 110,000 yen cheaper.

[0207] The first basis for pricing in early lump sum payment is “mortality”. In other words, the elderly prove that the age itself has won the survival competition. In other words, it is estimated that a healthy person at the age of 80 can survive up to the age of 100 with his spare capacity, and it is easy to obtain insurance money due to the nature of long-life insurance. Conversely, 65-year-old subscribers cannot deny the possibility of dying before 100 years old, rather than 100 years old, so there is definitely less chance of getting insurance than 80-year-old subscribers. Therefore, the price is set at an early preferential payment that is cheaper as you join.

[0208] “Death rate” is assumed to be 100,000 children aged 0, and how the number decreases year by year is divided into the number of survivors and the number of deaths by age. It is a numerical value obtained by calculating the denominator by the number of survivors at the beginning of the year and the numerator by the number of deaths.

Mortality rate = number of deaths per year Number of deaths beginning in Z

This “mortality” is also applied to the basis for calculating the amount of insurance payments for variable contracts that only require premium pricing.

[0209] Once the lump sum insurance premium Z corresponding to the age of participation is calculated (S42), the lump sum insurance premium Z is billed at that amount (S43). This is a specific example of insurance premium collection (S3) and premium withdrawal (S4) in Figure 4.

[0210] If the insurance money management server 30 confirms payment (S44), it accepts the application for longevity insurance in (S40) (S45). This is a modification to accept the insurance application (S2) shown in Fig. 4 after confirming the full payment (S44).

[0211] The second reason for pricing in early lump sum payment is that if you collect all the premiums in advance, it is absolutely advantageous for insurance organization 3 in terms of administrative burden, risk burden, and interest rate. is there. In order to balance the biased profits in such a way that this insurance institution 3 is absolutely advantageous, it is set so that insurance premiums are reduced and balanced with policyholders. [0212] If confirmation of payment (S44) is No, payment management server 30 prompts payment to contractor terminal 1 (S46) and repeats payment reminder (S46) until payment confirmation (S44) becomes Yes . However, as is well known in the screen display of general electronic commerce, it goes without saying that the application can be easily canceled if the contractor's intention changes during the operation. In practice, if the payment confirmation (S44) is Yes, the application for longevity insurance is accepted (S45).

[0213] Is it the power to pay insurance premiums all at once? (S41) is No, is it the ability to pay evenly or not?

If (S47) is Yes, the model data 24 is extracted from the database DB1, and various insurance arrangements are made and displayed (S48). Created by (S48) • The insurance premium delivery schedule displayed includes the insurance application function, so if the contractor is satisfied, the insurance application (S1) and consent (S2) and later in Figure 4 Follow the steps.

[0214] On the other hand, whether or not to make an equal monthly payment? (S47) is No, whether or not to use other methods? If (S49) is No, is it the power to complete the processing as an application cancellation (S50) or not? (S49) If the power is SYes, the model data 24 is extracted from the database DB1, the insurance premium delivery schedule is created and displayed (S48), and the procedures after the insurance application (S1) in Fig. 4 are followed.

[0215] This makes it possible for customers to choose a free payment plan within a rough range for the final target amount of premium payments.

For insurance business operators, it is possible to present the new payment conditions for insurance premiums as a schedule for insurance premium delivery during the execution of the contract, and to plan, present, and sell new insurance policies. become.

[0216] As a means of sales to reduce the psychological resistance of customers at the time of insurance solicitation, if the insured is 65 years old and joins this longevity insurance, the insurance premium payment will be 1000 yen every year after joining the insurance. It may be possible to make a payment that is convenient for the policyholder, such as paying in a small amount and lump-sum payment after 15 years. In this case as well, when explaining that the total amount of payment will be reduced by the amount paid earlier, the insurance premium delivery schedule shown in Fig. 8 (S32) and the lump sum insurance according to age of participation in Fig. 9 This can be confirmed in detail by calculating the fee Z (S42). [0217] If there is an inquiry from the parties including the insured, the contractor, and the payee regarding the initial contract contents, the contents of the contract changes, and the amount paid and the future payment obligation, create the insurance premium delivery schedule and create a screen By displaying, it is possible to answer immediately.

[0218] We accept questions from all policyholders at any time to calculate payments to date and future insurance payments based on future split conditions, which differ for each contract. After calculating and answering, it becomes possible to make “payment for longevity insurance, change or payment of contract !, creation of change contract”.

[0219] In principle, an insured person is under 80 years old, but as a special case, even an 80-year-old can join if paying in a lump sum. Therefore, withdrawal due to non-payment does not occur until the age of 80. Rather, after paying the balance at the end, you can earn the right to receive insurance by living up to the age of 100 to expand your customer base.

[0220] By using the technical idea of the present invention, the following is also possible.

When a prospective customer of a certain insurance contract joins longevity insurance, so-called survival insurance, the payment method is a lump sum payment, and regarding the maturity age, `` I think it is impossible for me to survive to 100 years old, Let's make 95 years old the maturity age (target age to live), ”and decide to join Longevity Insurance as a contractor and insured person, enter the maturity age of 95 years old, and freely Estimates and contracts are possible. In such a case, the insurance claim function (not shown) to be paid in the overall estimation means 53 of the system 100 is used, for example, when the maturity is 100 years old, the insurance money is 10 million. “Ten thousand yen” is displayed as a typical example quoted from model data 24.

[0221] Or, in the same way, enter the insured person's date of birth on January 10, 1927, “male”, and the maturity age as 95 years old, and then the insurance that the prospective customer of the insurance contract wants to pay If you enter the amount of the fee or the expected payment date, the amount of insurance money that can be received when the insured person reaches the maturity age of 95 will also be displayed.

[0222] It is also possible to make a contract after comprehensively estimating multiple numbers at the same time, such as one maturity age of 95 and one maturity age of 100. Thereafter, the maturity age cannot be changed. Changes in this case are also corrected using contract performance data 25 and contract change data 26 based on an example cited from model data 24 that includes a large number of all expected cases. It is enough to add and display.

[0223] At this time, the comprehensive estimation means 53 uses the repartitioning program 51 and Z or the early preferential lump sum payment program 52 for the simulation for the purpose of soliciting insurance, and stores the model data 24 and the contract stored in the database DB1. While the change data 26 can be exchanged according to the input from the contractor terminal 1, the insurance premium delivery schedule is displayed on the screen for each single contract.

[0224] As described above, the comprehensive estimation means 53 sequentially simulates multiple contracts in which a single insured is assumed to have different maturity ages and different maturity claims for each Z or premium according to the number of units. The results can also be displayed comprehensively on the insurance premium delivery schedule.

[0225] Based on the insurance premium delivery schedule in this comprehensive estimate method 53, the process up to the payment of insurance money that can be paid in a row if the payment conditions for insurance premiums can be presented is also the conditions for the insured's age and maturity age. You can show the simulation while changing. Therefore, policyholders can see the maturity age at which they can receive insurance money by, for example, simulating a maturity age of 100 years in the standard contract from 95 to 105 years by year. In reality, in order to prevent fraud, it is desirable to recommend a new contract according to the contractor's wishes instead of prohibiting changes after the contract for the insured's maturity age.

[0226] On the other hand, in the case of the conventional death insurance, the date of receipt of the insurance claim is the longevity insurance that is defined as the only day after the specified date has passed since the date of death of the insured. As a characteristic of insurance, the maturity age at which the insurance is received is the so-called “target age for the insured to live”, and there are a myriad of different settings based on each person's ideas. Therefore, at Longevity Insurance, the contractor can freely set the maturity age within a certain range of restrictions at the time of the initial contract, and the contract can be changed for other than the maturity age.

[0227] As described above, the longevity insurance was named after the life insurance that provides the beneficiary with a maturity claim when the insured survives to the specified age.

The insurance organization 3 that makes up the longevity insurance business is insurance connected to the Internet 2. With the support of the money management server 30, longevity insurance contracts can be executed almost unstored and unattended, and can be changed to some extent.

As a use that meets future social demands, when a care recipient, caregiver, or care provider becomes an active contractor and beneficiary, and the care recipient and the insured have lived longer than the specified age, It is possible to provide a service that can cover the nursing care expenses, etc. with insurance money quickly and reliably at a low cost.

[0228] The reason for the low cost is that insurance agents including banks, etc. and terminal operators entrusted by insurance institutions 3 operate the contractor terminal 1 administratively, for example. By using the comprehensive estimation method 53 as a sales tool for insurance solicitation, it is the power to efficiently answer questions with customers. In other words, it does not require specialized insurance diplomats that require advanced interpersonal negotiation capabilities with interviews, and it is possible to solicit insurance at insurance organizations 3 that have built an almost unmanned agency network or sales network. .

FIG. 10 is a flowchart showing a procedure until the information disclosure means 38 (FIG. 2) arranged in the insurance money management server 30 (FIGS. 1, 2 and 6) discloses information.

When the specified disclosure date and time of the timed disclosure message set in advance by the contractor is approaching, it is set as, for example, one month earlier than the arrival of the specified disclosure date and time as the step of sending an email (S61). Send an email to the contractor on the due date.

[0230] Next, in the reply mail confirmation step (S62), the insurance money management server 30 confirms whether or not the reply mail of the contractor power has been received within the predetermined time limit. For example, it is one month from the date of sending the inquiry email to the date specified for disclosure. The reply e-mail from the contractor contains the information to approve the contents of the message that the contractor wishes to disclose as it is already set, or to newly establish, add or update.

[0231] Then, in the timed disclosure message step (S63), if the insurance money management server 30 receives the reply mail within the predetermined time limit, it follows the instruction of the reply mail. According to the contractor's setting, the content of the timed disclosure message should be updated every year, but it is not updated because there is no reply mail because the contractor is dead, etc. Disclose the timed disclosure message as set. Therefore, if there is a situation where messages with the same content continue to be unnaturally disclosed, it is possible to suggest that the contractor is likely to die! / Thus, when the disclosure designation date and time of the timed disclosure message approaches, the information disclosure means 38 sends and receives a one-way screening email to the contractor at an earlier timing than the disclosure designation date and time. This inquiry mail function can create new, add or update, and confirm the contents of messages disclosed from contractors. With this function, those who are involved in longevity insurance can participate more interestingly like a game.

Claims

The scope of the claims

[1] An insurance management server that supports the implementation of insurance contracts that generate financial resources based on the insurance premiums collected from policyholders, and that pay the maturity claims to the beneficiary when the insured survives to the specified age (

30) and

Information is connected to the insurance money management server (30), and policyholder data (5), insurance fee collection data (6), insured data (7), beneficiary data (8) and insurance payment data ( The insurance business entity is composed of a database (DB1) capable of storing 9) and an insurance organization (3) including

The insurance money management server (30) includes an Internet connection means (31) for connecting to the contractor terminal (1) via the Internet (2),

Accepting the contractor's application and storing the contractor data (5), insured data (7) and payee data (8) input from the contractor terminal (1) in the database (DB1) Contract means to do (32),

Insured person existence confirmation means (34) for confirming the death date / time or survival of the insured person, contractor data (5), insured person data (7) stored in the database (DB1), receipt Disclosure information control means (35) that can update any of the human data (8) and control the disclosure allowable range,

Insurance premium collection means (33) for withdrawing and collecting the insurance premium from the policyholder account (40) of the policyholder;

A longevity insurance system (37) comprising an insurance payment program (37) for paying a maturity claim to a beneficiary specified by the insured data (7) and the payee data (8) 100).

[2] A part or all of the cumulative premiums collected from the insurance premiums are commissioned by investment management institutions inside and outside the insurance institution (3) to show the results of the maturity and Z or dividends. The amount reflected in the amount,

Maturity claims increased or decreased linked to mortality and Z or price index values and

Z or the amount of insurance premiums and Z or dividends, and at least one of the timely disclosure messages registered in advance for the contractor to communicate to the insured person on the designated date including the will Longevity insurance as set forth in claim 1, further comprising information disclosure means (38) for updating one or more of them at regular intervals, disclosing them by time, or automatically mailing them to relevant parties System (100).

[3] The information disclosure means (38)

By sending and receiving a one-way inquiry email to the contractor at a timing earlier than the specified disclosure date of the timed disclosure message,

The longevity insurance system (100) according to claim 2, characterized in that the contents of the message to be disclosed are newly established, added or updated, and an opportunity for confirmation is provided.

[4] As the disclosure information control means (35), any one of the address, name, date of birth, age, school of origin, and code for publicly identifying an individual regarding the contractor, the insured person or the recipient The longevity insurance system (100) according to claim 1, further comprising a control function for selectively utilizing one or more forces as an effective search key.

[5] The amount of the maturity claims can be adjusted to absorb the change in the investment results and Z or the mortality rate, and to balance the income of insurance premiums versus claims expenditures of the insurance organization (3). And

The insured existence confirmation means (34) confirms the eligibility for the maturity claim, and the number of occurrences of eligibility received from the insured data (7),

The beneficiary data (8) in which the insurance receipt ratio is specified by the insurance contract and the eligibility is confirmed;

The insurance payment data (9),

Recipients who use the insurance premium collection data (6) to determine the dividends divided by the number of policyholders as profits remaining after the balance of payments of the insurance institution (3) in the insurance contract or its appendix The longevity insurance system (100) according to claim 1, further comprising a dividend distribution program (36) for distributing to the company.

[6] A publicly identifying code, taxpayer number, insured ID, address, name, or handle name can be viewed as a search key, and the insured's self-introduction article, photo, diary, And insured posting means (BBS) for each insured that up-to-date the latest data, including any articles written by others, An insurance money management account (42) that manages deposits and withdrawals of insurance premiums;

Deposit / withdrawal information collection to collect deposit / withdrawal information (20) consisting of deposit data (11), withdrawal data (12), date / time data (13) and cause data (14) in the insurance management account (42) Means (15);

The date and time data (13) and the cause data (14) are added to the difference data (22) obtained by extracting the difference between the premium delivery schedule data (21) including the insured person name and the contractor name and the deposit data (11). ) To generate the receivable data (23), and extract the insured data (7) and the contractor data (5) included in the receivable data (23) Debtor identification means (17) to identify debtors for receivables,

In addition to the contract details for the insured person posting means (BBS) linked to the insured person data (7) extracted by the obligor specifying means (17) and the contractor data (5) The longevity insurance system according to claim 1, further comprising a non-accrual display means (18) for displaying a payment status of insurance premiums that may also include the receivable data (23). (100).

[7] In the insured person posting means (BBS), the disclosure information control means (35) has the authority to view the disclosure permission limit for privacy information including address, name, telephone number or email address. The longevity insurance system (100) according to claim 6, further comprising a secret key issuing means (28) for issuing a secret key that can be released in accordance with the code. ).

[8] Model data (24) that sets out typical contract terms, including total payments, number of payments, and payment deadlines for premiums that differ by insured's age at the time of enrollment and maturity date. ,

Based on the model data (24), the contract performance data (25) that is being executed while individually responding to each contractor; and

Based on the above-mentioned contract performance data (25), policyholders who are responsible for paying insurance claims are transferred from parent to offspring between generations, proportional increase in insurance premiums and claims, addition of contract units, insurance premiums Payment acceleration, advance payment, deferred payment, mid-term suspension, lump sum payment, new payment method specified by the contractor, variable insurance or set of reserve funds Contract modification means (27) for storing contract modification data (26) arbitrarily combining at least one force in the database (DB1);

A premium delivery schedule creation means (29) for creating a premium delivery schedule in a screen displayable form based on the contract fulfillment data (25) and the contract change data (26);

A repartitioning program (51) for integrated control of the contract changing means (27) and the insurance premium delivery schedule preparing means (29);

Early preferential lump sum to calculate lump sum premium (Z) according to full age (Y) at the time of enrollment of the insured subject to payment confirmation (S44) of lump sum premium (Z) (S45) A longevity insurance system (100) according to claim 1, comprising a payment program (52).

[9] Repartitioning program (51) and Z or early preferential lump sum program (5

2) is also used as a comprehensive estimation means (53) by simulation,

The model data (24) and the contract change data (26) stored in the database (DB1) can be exchanged according to the input from the contractor terminal (1), and the model data (24) can be exchanged for each single contract. The insurance premium delivery schedule and the amount of insurance money received at Z or the specified maturity age are displayed on the screen.

A comprehensive estimation means (53) by simulation that can assume a plurality of contracts in which a single insured has different maturity ages and Z or different maturity benefits for each premium is provided. Longevity insurance system (100) as described in section 8 of the scope.

[10] A longevity insurance method using the longevity insurance system (100) as set forth in claim 1,

The insurance application step (S1) from the contractor to the longevity insurance by the contractor terminal (1), and that the necessary data is stored in the database (DB1) according to the insurance application step (S1) A response step (S2) for replying from the management server (30) to the subscriber terminal (1);

Insurance premium collection step by the insurance money management server (30) based on the insurance contract

(S3),

Insurance premium deduction from the policyholder account (40) for the insurance premium collection step (S3) And step (S4),

Existence confirmation step (S5) to obtain the existence declaration step (S6) regarding the existence of the insured person by e-mail communication between the insurance money management server (30) and the contractor terminal (1), and the insurance money Existence Confirmation Step (S5) to obtain Basic Resident Registration Power Existence Disclosure (S7) through Information Communication between Management Server (30) and Juki Net

Change the disclosure range by operating the contractor terminal (1) for any one of the contractor data (5), insured data (7), and payee data (8) stored in the database (DB1) Disclosure range change step (S8) to be performed, change acceptance step (S9) to change the database (DB1) so that search disclosure can be made within the scope of the disclosure range change (S8), and storage in the database (DB1) A contract change step (S 10) for requesting a change of any one of the contracted party data (5), insured person data (7) and recipient data (8) by operating the contractor terminal (1);

An approval step (S11) for returning from the insurance money management server (30) to the contractor terminal (1) that the database (DB1) has been changed in response to the contract change (S10); The information disclosure step (S12) of the data for which the change step (S10) has been accepted (S11), the information browsing step (S13) from the contractor terminal (1) according to the information disclosure step (S12),

If the insurance management server (30) updates the calculated value of the insured's age and determines whether or not he / she has reached the specified age (S14), and if the determination step (S14) is Yes, the previous A longevity insurance method, comprising: an insurance payment step (S15) for distributing the full-term insurance money to the payee.

A longevity insurance method using the longevity insurance system (100) as set forth in claim 2,

The procedure until the information disclosure means (38) discloses information includes:

Whether to send the e-mail to the contractor on the date set earlier than the date and time specified for the disclosure of the timed disclosure message,

Approve the content of the message that the contractor wants to disclose as it is already set, or send a reply email of the contractor's power that includes the power to establish or add or update information Reply mail confirmation step (S62) for confirming whether the insurance money management server (30) has been received within the predetermined time limit,

If the insurance money management server (30) receives the reply mail within a predetermined time limit, the instruction of the reply mail shall be followed, and if there is no reply mail, the timed disclosure for disclosing the timed disclosure message as it is already set A longevity insurance method characterized by comprising a message step (S63).