Yield more than the fixed deposit in single premium insurance

The temporary payment endowment insurance (life insurance) which causes feverish boom over 10 years ago.”The advantage of the high investment yield + tax system aspect” was charm.In accident insurance edition “dream once more!?”Is.

Loss preservation Japan “super XP?”It is annuity payment accident insurance of a time payment, but lumping together at the time of expiration, it is the insurance whose it is possible to receive the insurance money, as an expiration reimbursement gold.Term insured 6 years.Like the prize equipped time deposit where the bank of part has sold, it can think injury compensation equipped time deposit.

* Those 1 death (rear leaving behind obstacle) insurance money of charm are paid

Because it is the commodity which loss preservation sells, as for the compensation for the injury having been attached if you mention the proper, being proper, the shank.But because it is the commodity whose investment yield is good, as for requesting the compensation which is equal to general accident insurance those which are unreasonable.As for compensating contents

The car collided.
The motorcycle inverted.
Building it encountered to fire.
It could leap to the car.
Airplane it encountered to accident
While walking the wound was done at the time of falling ones

And so on, it is squeezed..

* You encounter to the above-mentioned accident in domestic foreign country and the insurance money is paid when it had death rear leaving behind obstacle.

As for the point here amount of death (rear leaving behind obstacle) insurance money.Approximately n/a times that of temporary payment premium are paid. payment in full endowment insurance this point has become a boom (life insurance) slightly different and.

its charm2 the same insurance

the case of life insurance, by age and gender, and occupation, but different insurance or insurance may not be able, many insurance premiums the same there is no such difference, maturity refunds to policyholders of the same (amount of insurance) is. superXP?also there is no difference in insurance premiums and maturity repayment of the insured. lump-sum premiums200million yen~500up to ten thousand yen is10in units of ten thousand yen, 500is more than ten thousand yen50can be in units of million yen contract.

upper age limit for this insurance can be less than85is under the age of, is less than age at the time of subscription80years~85if under the age of, how to payment of pension may be limited.

average yield of about0.2075%

insurance contract start date is2003years9if you join in the last, refunds and other lump-sum premium and maturity are as follows:.

after the expiration of the contract period, upon receipt of insurance money in bulk as maturity refunds the average annual yield of about0.2075% will be.

this insurance maturity repayment agreement will change depending on the month. yield that also vary that. therefore, checking the amount of refunds is essential prior to contract maturity. the way2003years8yield of about a month insurance start date0.1269%is.

one o’clock in the income tax exemption may

insurance period5years or less are considered insurance products and financial products, maturity proceeds (maturity refunds to policyholders) etc.20%withholding tax will be. on the other hand, 5maturity proceeds of insurance products over the years (maturity refunds to policyholders) etc. will be classified as temporary income.

superXP?single premium insurance in the insurance period is6years. therefore profit (=maturity refunds to policyholders?insurance) the temporary income. taxable income is

occasional income= (maturity refunds to policyholders?insurance) ?50million yen
taxable income=occasional income÷2

and calculations, general taxation will be. i think there are considerable tax benefits…….

300deposits of the bank ten thousand yen (year interest rate0.25%-compounded semi-6year) even if the operation is, 20%net income after the withholding of the superXP?than about1,000it is less yen. this yield is about security, is quite attractive financial products. but, if you cancel during that loss of principal it may, it is assumed that to be held to maturity.

contact your insurance company to be convinced, and the contents detailed compensation insurance prior to contract what, do not forget that the product is not covered by insurance payoff also!

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