Series how to take advantage of term insurance 1 term insurance contracts are long-term deals! ?

To think also premium, better plan compilation

Though, it is combination and medical insurance with the straight life insurance and the like in the planning of actually guarantee, because it keeps attaching, the design of insurance is not simple.
Simplicity so, it is the insurance design where the inner part is deep, but while thinking also the premium which can be paid, it is to keep making better plan.
It keeps explaining the periodic insurance which is good in that, is utilized.

This time, with two patterns of periodic insurance, it is comparison of 10 years and 30 years of flat quasi- periodic insurance.

Case) insured A man 30 year old insurance amount 3,000 ten thousand Yen passed dividend insurance account month payment

From premium 30 year old to 39 years old 6,360 Yen
From premium 40 year old to 49 years old 10,350 Yen
From premium 50 year old to 59 years old 20,940 Yen

From premium 30 year old to 59 years old 11,340 Yen

A, therefore from midst of two plans, current housekeeping expenses circumstance serious, if you think that we would like to prepare guarantee with if possible cheap premium
Temporarily, in term insured 10 years, the eye goes to the plan which prepares the guarantee of 3,000 ten thousand Yen by premium burden of month amount 6,360 Yen, probably will be.

This time, just a little, the fact that we would like to have seeing, is numerical value of the cancellation reimbursement gold.

(level term insurance (10years) )
10just when years have elapsed, there is no cash surrender value.

(level term insurance (30years) )
10when year after the, is the cash surrender value, 612,000there yen.

10consider along with not only the cash surrender value insurance premiums for the year.

(level term insurance (10years) )
10total amount of annual premium763,200there is no cash surrender value in the yen.

(level term insurance (30years) )
10total amount of annual premium1,360,800yen
the cash surrender value is, 612,000yen insurance premiums substantially, 748,800considered yen.

9years, 10years is much it, including the cash surrender value the premium is the amount of real burden, 30is light years more regularly can become.

Amr., household management (make ends meet in other parts of) in, 6,360higher than the yen, 11,340if it is possible that the yen insurance premiums, what we’d like to recommend, long-term life insurance is. long-term benefits of term insurance plan is seen later

then, long-term benefits of term insurance we will see later.
20years after, insurance amount is still3, 000i wanted ten thousand yen, if that,
10if you have been automatically updated regularly years, 20,940amount of yen burden it will be, 30years regular premiums unchanged, 11,340yen is. large difference between the burden will.

3, 000consider the case of security do not need ten thousand yen.

after the contract21in year2, 000case to a reduction to ten thousand yen the comparison is.

(level term insurance (10years) )
21insurance premiums from the second year, 13,960will be ¥.

(level term insurance (30years) )
21insurance premiums from the second year, 7,560yen, and, it is up to the cash surrender value, 300,000yen (1, 000minutes as a reduction of ten thousand yen) will return to the hand.

what how.
well, term insurance of abandoned deals over what insurance is cheaper in the short term, you do have a message that flows.

minute is cheap insurance, for those who can operate exactly is, it will also not need to accumulate assets in the insurance, part of the assets that you have a solid insurance company is not a bad thing.

not only determined by the short-term insurance! this is an important point in the design of insurance.

how to prepare the guarantee that in the regular insurance, we recommend that you consider the security plan in the long term with an eye towards also the cash surrender value.

figure of the cash surrender value and term insurance (inns web)