\u751f\u547d\u4fdd\u967a\u306b\u306f\u3055\u307e\u3056\u307e\u306a\u7a2e\u985e\u304c\u3042\u308a\u3001\u307e\u305f\u305d\u306e\u5185\u5bb9\u304c\u975e\u5e38\u306b\u8907\u96d1\u3067\u96e3\u89e3\u306a\u3082\u306e\u3082\u591a\u304f\u3042\u308a\u307e\u3059\u3002\u81ea\u5206\u304c\u751f\u547d\u4fdd\u967a\u306b\u6c42\u3081\u308b\u3082\u306e\u306f\u4f55\u304b\u8003\u3048\u306a\u3044\u3067\u5951\u7d04\u3059\u308b\u306e\u306f\u30ad\u30b1\u30f3\u3002\u3068\u308a\u3042\u3048\u305a\u5165\u3063\u3066\u304a\u3053\u3046\u3082\u30ad\u30b1\u30f3\u3067\u3059\u3002\u751f\u547d\u4fdd\u967a\u3092\u8003\u3048\u308b\u3046\u3048\u3067\u3001\u77e5\u3063\u3066\u304a\u304d\u305f\u304410\u3064\u306e\u3053\u3068\u3092\u307e\u3068\u3081\u3066\u307f\u307e\u3057\u305f\u3002<\/p>\n
\u751f\u547d\u4fdd\u967a\u3092\u8cb7\u3046\u5834\u5408\u3001\u77e5\u8b58\u3068\u7d4c\u9a13\u306e\u3042\u308b\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306f\u5927\u304d\u306a\u52a9\u3051\u3067\u3059\u3002\u751f\u547d\u4fdd\u967a\u306e\u30cb\u30fc\u30ba\u306f\u628a\u63e1\u3092\u52a9\u3051\u3066\u304f\u308c\u305f\u308a\u3001\u305f\u304f\u3055\u3093\u3042\u308b\u9078\u629e\u80a2\u306e\u4e2d\u304b\u3089\u3074\u3063\u305f\u308a\u306e\u3082\u306e\u3092\u9078\u3076\u306e\u3092\u52a9\u3051\u3066\u304f\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u6b8b\u5ff5\u306a\u3053\u3068\u306b\u3001\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306e\u307f\u3093\u306a\u304c\u305d\u3046\u3067\u306f\u306a\u3044\u3053\u3068\u3082\u4e8b\u5b9f\u3067\u3059\u3002\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306e\u8a00\u3046\u3053\u3068\u3092\u9d5c\u5451\u307f\u306b\u3057\u306a\u3044\u3053\u3068\u3002\u81ea\u5206\u306e\u982d\u3067\u8003\u3048\u308b\u3053\u3068\u304c\u5927\u4e8b\u3067\u3059\u3002<\/p>\n
\u4fdd\u967a\u30bb\u30fc\u30eb\u30b9\u306f\u975e\u5e38\u306b\u7af6\u4e89\u306e\u6fc0\u3057\u3044\u696d\u754c\u3060\u305d\u3046\u3067\u3001\u30bb\u30fc\u30eb\u30b9\u30fb\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u3068\u3063\u3066\u306f\u8ca9\u58f2\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u305d\u306e\u5831\u916c\u306e\u5927\u90e8\u5206\u3060\u305d\u3046\u3067\u3059\u3002Whole Life Insurance\u306e\u5834\u5408\u306f\u4e00\u5e74\u76ee\u306e\u4fdd\u967a\u6599\u306e\uff190\uff05\u304b\u3089\uff1105\uff05\u304c\u3001Term Life Insurance\u306e\u5834\u5408\u306f\u4e00\u5e74\u76ee\u306e\u4fdd\u967a\u6599\u306e30\uff05\u304b\u3089\uff17\uff10\uff05\u304c\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3068\u306a\u308b\u305d\u3046\u3067\u3059\u3002Whole Life\u306f\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\uff05\u304c\u9ad8\u3044\u3046\u3048\u306b\u3001\u4fdd\u967a\u6599\u306e\u7d76\u5bfe\u984d\u3082\u9ad8\u3044\u306e\u3067\u30c0\u30d6\u30eb\u52b9\u679c\u3067\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u3064\u308a\u3042\u304c\u308a\u307e\u3059\u3002<\/p>\n
\u305f\u3068\u3048\u307033\u6b73\u5973\u6027\u304c$250,000\u306e\u751f\u547d\u4fdd\u967a\u3092\u304b\u3051\u308b\u5834\u5408\u300130\u5e74Term Life\u306a\u3089\u5e74\u9593\u4fdd\u967a\u6599\u306f$312\u3068\u3059\u308b\u3068\u3001\uff0494~$218\u304c\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3078\u306e\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3068\u306a\u308b\u308f\u3051\u3067\u3059\u304c\u3001\u3053\u308c\u304cWhole Life\u306e\u5834\u5408\u3001\u5e74\u9593\u4fdd\u967a\u6599\u306f$1,920\u3001\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306f$1,728~$2,016\u3068\u306a\u308a\u307e\u3059\u3002\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306e\u53d7\u3051\u308b\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u7d76\u5bfe\u984d\u306fWhole Life\u3092\u58f2\u3063\u305f\u307b\u3046\u304c\u305a\u3063\u3068\u5927\u304d\u3044\u306e\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n
\u307e\u305f\u3001\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306f\u4e8c\u5e74\u76ee\u4ee5\u964d\u306e\u4fdd\u967a\u6599\u304b\u3089\u3082\u652f\u6255\u308f\u308c\u307e\u3059\u304c\u3001\u305d\u306e\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u306f\u305a\u3063\u3068\u4f4e\u304f\u3001Whole Life\u3067\u306f\u5e74\u9593\u4fdd\u967a\u6599\u306e\uff16\uff05\u3001Term Life\u3067\u306f\uff14\uff05\u304c\u76ee\u5b89\u3068\u306e\u3053\u3068\u3067\u3059\u3002\u65b0\u898f\u5951\u7d04\u306e\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u7d99\u7d9a\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306e\u4f55\u5341\u500d\u3068\u3044\u3046\u3053\u306e\u30b7\u30b9\u30c6\u30e0\u3067\u306f\u3001\u306a\u308b\u3079\u304f\u65b0\u3057\u3044\u5951\u7d04\u3092\u58f2\u308d\u3046\u3068\u3044\u3046\u30e2\u30c6\u30a3\u30d9\u30fc\u30b7\u30e7\u30f3\u306b\u3082\u3064\u306a\u304c\u308a\u304b\u306d\u307e\u305b\u3093\u3002\u3042\u308b\u4fdd\u967a\u3092\u5951\u7d04\u3055\u305b\u3066\u304a\u3044\u3066\u3001\u305d\u308c\u304c\u30cb\u30fc\u30ba\u306b\u5408\u308f\u306a\u3044\u3068\u306a\u308b\u3068\u4ed6\u306e\u4fdd\u967a\u306b\u4e57\u308a\u63db\u3048\u3055\u305b\u308b\u3053\u3068\u3067\u3001\u9ad8\u3044\u65b0\u898f\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3092\u5f97\u7d9a\u3051\u3088\u3046\u3068\u3059\u308b\u3088\u3046\u306a\u60aa\u8cea\u306a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306e\u8a18\u4e8b\u3082\u8aad\u3093\u3060\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u81ea\u5206\u306e\u5f97\u308b\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3088\u308a\u9867\u5ba2\u306e\u30cb\u30fc\u30ba\u3092\u512a\u5148\u3057\u3001\u771f\u646f\u306b\u306a\u3063\u3066\u76f8\u8ac7\u306b\u4e57\u3063\u3066\u304f\u308c\u308b\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306f\u5fc5\u305a\u3044\u307e\u3059\u3002\u305f\u3060\u3001\u305d\u3046\u3067\u306a\u3044\u30a8\u30fc\u30b8\u30a7\u30c8\u3082\u3044\u308b\u304b\u3082\u3057\u308c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3092\u77e5\u3063\u3066\u304a\u304f\u3053\u3068\u306f\u5fc5\u8981\u3067\u3059\u3002\u3088\u3044\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3068\u305d\u3046\u3067\u306a\u3044\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3068\u306e\u898b\u6975\u3081\u3092\u3059\u308b\u5fc5\u8981\u304c\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n
\u300cWhole Life\u306a\u3089\u671f\u9650\u4ed8\u304d\u306e\u4fdd\u969c\u3067\u306f\u306a\u304f\u3066\u4e00\u751f\u3082\u306e\u3067\u3059\u3088\u300d\u300cUniversal Life\u306a\u3089\u53ce\u3081\u308b\u4fdd\u967a\u6599\u3082\u6b7b\u4ea1\u4fdd\u8a3c\u91d1\u3082\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u5909\u66f4\u3067\u304d\u307e\u3059\u300d\u300cVariable Life\u306a\u3089\u81ea\u7531\u306b\u6295\u8cc7\u5546\u54c1\u304c\u9078\u3079\u5927\u304d\u306a\u30ea\u30bf\u30fc\u30f3\u3082\u671f\u5f85\u3067\u304d\u307e\u3059\u300d\uff65\uff65\uff65\u3088\u304f\u805e\u304f\u3046\u305f\u3044\u6587\u53e5\u3067\u3059\u304c\u3001\u5927\u5207\u306a\u306e\u306f\u9577\u6240\u3060\u3051\u3092\u805e\u3044\u3066\u6c7a\u3081\u306a\u3044\u3053\u3068\u3002\u9577\u6240\u306e\u5f71\u306b\u306f\u77ed\u6240\u3042\u308a\u3067\u3059\u3002<\/p>\n
\u4eba\u306e\u6027\u683c\u3092\u4f8b\u306b\u3068\u308a\u307e\u3057\u3087\u3046\u3002\u30b9\u30d4\u30fc\u30c7\u30a3\u30fc\u306b\u624b\u65e9\u304f\u4f55\u3067\u3082\u7247\u4ed8\u3051\u308b\u4eba\u306f\u77ed\u6c17\u304b\u3082\u3057\u308c\u306a\u3044\u3057\u3001\u306e\u308d\u307e\u3067\u6642\u9593\u306e\u304b\u304b\u308b\u4eba\u306f\u4e01\u5be7\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3072\u3068\u3064\u306e\u8cc7\u8cea\u306f\u9577\u6240\u306b\u3082\u77ed\u6240\u306b\u3082\u306a\u308b\u308f\u3051\u3067\u3001\u305d\u306e\u8cc7\u8cea\u304c\u9577\u6240\u3060\u3051\u3001\u3042\u308b\u3044\u306f\u77ed\u6240\u3060\u3051\u3068\u3044\u3046\u3053\u3068\u306f\u5c11\u306a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002\u4fdd\u967a\u3082\u305d\u3046\u3067\u3059\u3002<\/p>\n
\u300cWhole Life\u306a\u3089\u671f\u9650\u4ed8\u304d\u306e\u4fdd\u969c\u3067\u306f\u306a\u304f\u3066\u4e00\u751f\u3082\u306e\u3067\u3059\u3088\u300d\u306e\u3046\u3089\u306b\u306f\u3001\u4eba\u751f\u306e\u5f8c\u671f\u3067\u6b7b\u4ea1\u4fdd\u969c\u304c\u3082\u306f\u3084\u5fc5\u8981\u306a\u304f\u306a\u3063\u3066\u3082\u3001\u6e1b\u3089\u3059\u3053\u3068\u304c\u3067\u304d\u306a\u3044\u3002\u89e3\u7d04\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u3066\u3082\u3001\u6700\u7d42\u7684\u306b\u640d\u306a\u7d50\u679c\u306b\u3082\u306a\u308a\u3048\u308b\u3068\u3044\u3046\u77ed\u6240\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u300cUniversal Life\u306a\u3089\u53ce\u3081\u308b\u4fdd\u967a\u6599\u3082\u6b7b\u4ea1\u4fdd\u8a3c\u91d1\u3082\u30d5\u30ec\u30ad\u30b7\u30d6\u30eb\u306b\u5909\u66f4\u3067\u304d\u307e\u3059\u300d\u306e\u3046\u3089\u306b\u306f\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d0\u30ea\u30e5\u30fc\u3084\u53ce\u3081\u308b\u4fdd\u967a\u6599\u306e\u72b6\u6cc1\u3092\u304d\u3061\u3093\u3068\u628a\u63e1\u3057\u8a08\u753b\u7684\u306b\u4fdd\u967a\u6599\u306e\u8abf\u6574\u3092\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u5fc5\u8981\u306a\u6b7b\u4ea1\u4fdd\u967a\u91d1\u304c\u3044\u3064\u306e\u9593\u306b\u304b\u6e1b\u3063\u3066\u3044\u305f\u3001\u3072\u3069\u3044\u3068\u4fdd\u967a\u304c\u7121\u52b9\u306b\u306a\u3063\u3066\u3044\u305f\u3068\u3044\u3046\u3053\u3068\u306b\u3082\u306a\u308a\u304b\u306d\u306a\u3044\u3068\u3044\u3046\u77ed\u6240\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u300cVariable Life\u306a\u3089\u81ea\u7531\u306b\u6295\u8cc7\u5546\u54c1\u304c\u9078\u3079\u5927\u304d\u306a\u30ea\u30bf\u30fc\u30f3\u3082\u671f\u5f85\u3067\u304d\u307e\u3059\u300d\u306e\u3046\u3089\u306b\u306f\u3001\u81ea\u5206\u3067\u9078\u3093\u3060\u6295\u8cc7\u306e\u7d50\u679c\u306f\u3088\u304f\u3066\u3082\u60aa\u304f\u3066\u3082\u81ea\u5df1\u8cac\u4efb\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3001\u6295\u8cc7\u3092\u3059\u308b\u305f\u3081\u306b\u306f\uff08\u5fc5\u305a\u3057\u3082\u660e\u78ba\u3067\u306a\u3044\uff09\u624b\u6570\u6599\u3092\u53d6\u3089\u308c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b\u3068\u3044\u3046\u77ed\u6240\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n
\u9577\u6240\u3068\u77ed\u6240\u306e\u4e21\u65b9\u3092\u8aac\u660e\u3057\u305f\u3046\u3048\u3067\u3001\u6700\u5584\u306e\u30c1\u30e7\u30a4\u30b9\u3092\u5c0e\u3044\u3066\u304f\u308c\u308b\u3088\u3046\u306a\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306f\u3088\u3044\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3067\u3059\u3002\u53cd\u5bfe\u306b\u3001\u9577\u6240\u3057\u304b\u8a00\u308f\u306a\u3044\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u306f\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u3044\u3044\u3068\u3053\u308d\u306b\u3064\u3044\u3066\u8aac\u660e\u3092\u53d7\u3051\u305f\u3089\u3001\u300c\u305d\u306e\u88cf\u306e\u77ed\u6240\u306f\u4f55\u3067\u3059\u304b\uff1f\u300d\u3068\u8cea\u554f\u3059\u308b\u3053\u3068\u3002\u305d\u3057\u3066\u3001\u77ed\u6240\u3092\u3057\u3063\u304b\u308a\u7406\u89e3\u3057\u305f\u3046\u3048\u3067\u3001\u81ea\u5206\u306b\u3068\u3063\u3066\u306f\u9577\u6240\u306e\u307b\u3046\u304c\u5927\u304d\u3044\u3068\u7d0d\u5f97\u3067\u304d\u308b\u3053\u3068\u3001\u305d\u308c\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n
Vanguard\u793e\u306e\u5275\u59cb\u8005\u3067\u3042\u308bJohn Bogle\u306f\u3001\u300c\u6210\u529f\u3059\u308b\u6295\u8cc7\u306e\u79d8\u8a23\u306f\u30b7\u30f3\u30d7\u30eb\u3055\u3092\u4fdd\u3064\u3053\u3068\u300d\u3068\u3044\u3044\u307e\u3057\u305f\u3002\u79c1\u306f\u4fdd\u967a\u306b\u3082\u3053\u306e\u30eb\u30fc\u30eb\u306f\u5f53\u3066\u306f\u307e\u308b\u3088\u3046\u306b\u601d\u3044\u307e\u3059\u3002\u300c\u6b7b\u3093\u3060\u3089\u304a\u91d1\u304c\u3082\u3089\u3048\u308b\u3088\u3046\u306b\u3059\u308b\u300d\u3068\u3044\u3046\u76ee\u7684\u3092\u30b7\u30f3\u30d7\u30eb\u306b\u4fdd\u3064\u3053\u3068\u3067\u3059\u3002\u91d1\u878d\u5546\u54c1\u306f\u8907\u96d1\u3067\u96e3\u89e3\u306a\u3082\u306e\u3068\u3044\u3046\u30a4\u30e1\u30fc\u30b8\u304c\u3042\u308a\u307e\u3059\u304c\u3001\u5b9f\u306f\u30b7\u30f3\u30d7\u30eb\u306b\u4fdd\u3068\u3046\u3068\u601d\u3048\u3070\u3067\u304d\u308b\u306e\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
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