{"id":1876,"date":"2012-12-13T09:20:44","date_gmt":"2012-12-13T17:20:44","guid":{"rendered":"http:\/\/smartandresponsible.com\/blog\/?p=1876"},"modified":"2014-08-01T21:34:00","modified_gmt":"2014-08-02T05:34:00","slug":"life-ins-10rules2","status":"publish","type":"post","link":"https:\/\/smartandresponsible.com\/blog\/life-ins-10rules2\/","title":{"rendered":"\u751f\u547d\u4fdd\u967a\u3067\u77e5\u3089\u306d\u3070\u306a\u3089\u306a\u304410\u306e\u304a\u304d\u3066-\u5f8c\u7de8\u3000"},"content":{"rendered":"<p align=\"left\">\u7d0d\u5f97\u306e\u3044\u304f\u751f\u547d\u4fdd\u967a\u3092\u8cfc\u5165\u3059\u308b\u305f\u3081\u306b\u306f\u3069\u3046\u3057\u305f\u3089\u3044\u3044\u3067\u3057\u3087\u3046\u3002\u751f\u547d\u4fdd\u967a\u3092\u8003\u3048\u308b\u3046\u3048\u3067\u3001\u77e5\u3063\u3066\u304a\u304d\u305f\u304410\u3064\u306e\u3053\u3068\u3001<a href=\"http:\/\/smartandresponsible.com\/blog\/life-ins-10rules1\/\" >\u524d\u56de\u306e\u524d\u534a\u306e\uff15\u3064<\/a>\u306b\u7d9a\u304d\u3001\u4eca\u56de\u306f\u5f8c\u534a\u306e\uff15\u3064\u3067\u3059\u3002<\/p>\n<p><span style=\"color: #444444; font-size: 1.7em;\">\uff16\uff0e\u4fdd\u967a\u304c\u4fdd\u967a\u3067\u306a\u304f\u306a\u3089\u306a\u3044\u305f\u3081\u306b<\/span><\/p>\n<p align=\"left\">\u4e07\u304c\u4e00\u306e\u3068\u304d\u306e\u4fdd\u969c\u306f\u4fdd\u967a\u3067\u306a\u3051\u308c\u3070\u3067\u304d\u307e\u305b\u3093\u3002\u5bb6\u8a08\u306e\u652f\u3048\u624b\u304c\u6642\u671f\u5c1a\u65e9\u306b\u6b7b\u4ea1\u3059\u308b\u3088\u3046\u306a\u3053\u3068\u304c\u3042\u308c\u3070\u3001\u8caf\u84c4\u3084\u6295\u8cc7\u306e\u6b8b\u9ad8\u3067\u306f\u307e\u304b\u306a\u3048\u306a\u3044\u30ec\u30d9\u30eb\u306e\u4fdd\u969c\u984d\u304c\u5fc5\u8981\u3060\u304b\u3089\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u3068\u3053\u308d\u304c\u3001\u4fdd\u967a\u3068\u8caf\u84c4\u30fb\u6295\u8cc7\u3068\u3092\u6df7\u540c\u3059\u308b\u3068\u3001\u4fdd\u967a\u304c\u4fdd\u967a\u3067\u306a\u304f\u306a\u308b\u53ef\u80fd\u6027\u3082\u3042\u308a\u307e\u3059\u3002\u4e07\u304c\u4e00\u306e\u3068\u304d\u306b\u3001\u5fc5\u8981\u306a\u4fdd\u969c\u304c\u5f97\u3089\u308c\u306a\u3044\u3068\u3044\u3046\u5371\u967a\u6027\u3067\u3059\u3002\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d0\u30ea\u30e5\u30fc\u304c\u8caf\u307e\u308b\u4fdd\u967a\u30dd\u30ea\u30b7\u30fc\u3067\u306f\u3001\u305d\u306e\u4e00\u90e8\u3092\u5f15\u304d\u51fa\u3057\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u304a\u91d1\u3092\u501f\u308a\u51fa\u3059\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002\u3053\u308c\u306f\u4fbf\u5229\u306a\u3053\u3068\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f\u6b7b\u4ea1\u4fdd\u969c\u91d1\u3092\u6e1b\u3089\u3059\u3053\u3068\u306b\u3082\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n<p align=\"left\">Universal Life\u3067\u306f\u3001\u305f\u307e\u3063\u305f\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d0\u30ea\u30e5\u30fc\u3092\u4f7f\u3063\u3066\u4fdd\u967a\u6599\u306e\u652f\u6255\u3044\u306b\u5f53\u3066\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u4fbf\u5229\u3055\u304c\u3042\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u904b\u7528\u6210\u7e3e\u304c\u60aa\u5316\u3057\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d0\u30ea\u30e5\u30fc\u304c\u4f38\u3073\u306a\u304f\u306a\u3063\u305f\u308a\u3001\u4fdd\u967a\u6599\u652f\u6255\u3044\u306e\u7ba1\u7406\u3092\u6020\u3063\u3066\u3044\u308b\u3068\u3001\u30ad\u30e3\u30c3\u30b7\u30e5\u30fb\u30d0\u30ea\u30e5\u30fc\u304b\u3089\u5fc5\u8981\u306a\u4fdd\u967a\u6599\u304c\u6255\u308f\u308c\u306a\u304f\u306a\u308b\u72b6\u614b\u306b\u306a\u308a\u3001\u7d50\u679c\u7684\u306b\u4fdd\u967a\u304c\u7121\u52b9\u306b\u306a\u3063\u3066\u3057\u307e\u3046\u5371\u967a\u6027\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p align=\"left\">\u305d\u3082\u305d\u3082\u3001\u5fc5\u8981\u306a\u6b7b\u4ea1\u4fdd\u969c\u306e\u305f\u3081\u306b\u52a0\u5165\u3057\u305f\u751f\u547d\u4fdd\u967a\u3067\u3042\u3063\u305f\u306e\u306b\u3001\u672c\u6765\u306e\u76ee\u7684\u304c\u679c\u305f\u3055\u308c\u306a\u3044\u7d50\u679c\u306b\u306a\u308b\u3068\u3044\u3046\u3053\u3068\u306f\u7d76\u5bfe\u907f\u3051\u306d\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u305d\u3046\u8003\u3048\u308b\u3068\u3001\u751f\u547d\u4fdd\u967a\u306e\u672c\u6765\u306e\u76ee\u7684\u3092\u3057\u3063\u304b\u308a\u679c\u305f\u3057\u3066\u63fa\u308b\u304c\u305a\u3001\u304b\u3064\u30b7\u30f3\u30d7\u30eb\u3067\u628a\u63e1\u3057\u3084\u3059\u3044Term Life\u306f\u5229\u7528\u4fa1\u5024\u304c\u9ad8\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<h2 align=\"left\">\uff17\uff0e\u5b9f\u306f\u3068\u3066\u3082\u9ad8\u304f\u3064\u304f\u304b\u3082\u30fb\u30fb\u30fb<\/h2>\n<p align=\"left\">\u307e\u305a\u306f\u3001\u5148\u307b\u3069\u306e\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3078\u306e\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3002\u3053\u308c\u306f\u30df\u30e5\u30fc\u30c1\u30e5\u30a2\u30eb\u30fb\u30d5\u30a1\u30f3\u30c9\u306e\u30bb\u30fc\u30eb\u30b9\u30fb\u30ed\u30fc\u30c9\u3068\u540c\u3058\u3067\u3001\u5143\u624b\u3092\u76f4\u63a5\u7684\u306b\u6e1b\u3089\u3057\u307e\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u3082\u30d3\u30b8\u30cd\u30b9\u3067\u3059\u304b\u3089\u3001\u8cea\u306e\u9ad8\u3044\u4fdd\u967a\u3092\u63d0\u4f9b\u3057\u3066\u3001\u5229\u76ca\u3092\u4e0a\u3052\u308b\u306e\u306f\u5f53\u7136\u306e\u3053\u3068\u3067\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u8caf\u84c4\u30fb\u6295\u8cc7\u3068\u4e00\u7dd2\u306b\u306a\u3063\u305fWhole Life\u3084Variable Life\u3092\u8cb7\u3046\u305f\u3081\u306b\u3001\u308f\u3056\u308f\u3056\u9ad8\u3044\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3092\u6255\u3046\u306e\u306f\u3070\u304b\u3089\u3057\u3044\u3088\u3046\u306a\u6c17\u304c\u3057\u307e\u3059\u3002\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306f\u81ea\u5206\u306e\u30dd\u30b1\u30c3\u30c8\u304b\u3089\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u306b\u652f\u6255\u3046\u308f\u3051\u3067\u306f\u306a\u3044\u306e\u3067\u610f\u8b58\u3057\u306a\u3044\u3053\u3068\u304c\u591a\u3044\u306e\u3067\u3059\u304c\u3001\u3088\u304f\u8003\u3048\u3066\u307f\u308c\u3070\u305d\u308c\u306f\u4fdd\u967a\u6599\u306b\u4e0a\u4e57\u305b\u3055\u308c\u305f\u5f62\u3067\u542b\u307e\u308c\u3066\u3044\u308b\u308f\u3051\u3067\u3059\u3002\u307e\u305f\u4e0a\u3067\u3082\u66f8\u3044\u305f\u3088\u3046\u306b\u3001\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306b\u52a0\u3048\u3001\u305d\u306e\u5f8c\u306e\u8caf\u84c4\u30fb\u6295\u8cc7\u306e\u7dad\u6301\u306e\u305f\u3081\u306b\u5fb4\u53ce\u3055\u308c\u308b\u624b\u6570\u6599\u3082\u3070\u304b\u306b\u306a\u308a\u307e\u305b\u3093\u3002\u305d\u3046\u8003\u3048\u308b\u3068\u3001\u4fdd\u967a\u6599\u304c\u305a\u3063\u3068\u5b89\u3044Term Life\u3092\u8cb7\u3044\u3001\u6d6e\u3044\u305f\u4fdd\u967a\u6599\u306f\u5225\u306b\u904b\u7528\u3057\u305f\u307b\u3046\u304c\u30d9\u30bf\u30fc\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p align=\"left\">\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u3084\u5229\u56de\u308a\u304b\u3089\u306e\u624b\u6570\u6599\u4ee5\u5916\u306b\u3082\u3001Surrender Charge\u3068\u3044\u3063\u3066\u4e00\u5b9a\u671f\u9593\u3092\u904e\u304e\u308b\u524d\u306b\u4fdd\u967a\u30dd\u30ea\u30b7\u30fc\u3092\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u3068\u30c1\u30e3\u30fc\u30b8\u3055\u308c\u308b\u5927\u304d\u306a\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u3042\u308a\u307e\u3059\u3002\u4e0a\u3067\u8aac\u660e\u3057\u305f\u3068\u304a\u308a\u3001\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3078\u306e\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u306f\u4e00\u5e74\u76ee\u306e\u4fdd\u967a\u6599\u304b\u3089\u3054\u3063\u305d\u308a\u652f\u6255\u308f\u308c\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u6700\u521d\u306e\u4e00\u5e74\u76ee\u306f\u4fdd\u967a\u4f1a\u793e\u306f\u5b8c\u5168\u306b\u30de\u30a4\u30ca\u30b9\u3067\u4fdd\u967a\u3092\u63d0\u4f9b\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u3059\u3002\u3053\u308c\u306f\u305d\u306e\u5f8c\u3001\u9577\u3044\u9593\u3092\u304b\u3051\u3066\u6708\u3005\u306e\u4fdd\u967a\u6599\u304b\u3089\u3058\u3063\u304f\u308a\u3057\u3063\u304b\u308a\u56de\u53ce\u3057\u3066\u3044\u304f\u308f\u3051\u3067\u3059\u304c\u3001\u3082\u30572\u5e74\u3067\u89e3\u7d04\u3055\u308c\u3066\u306f\u305d\u306e\u4e88\u5b9a\u304c\u5b8c\u5168\u306b\u72c2\u3044\u307e\u3059\u3002\u3053\u306e\u958b\u3044\u305f\u7a74\u3092\u57cb\u3081\u308b\u305f\u3081\u306b\u3001\u5927\u304d\u306aSurrender Charge\u3092\u8ab2\u3059\u308f\u3051\u3067\u3059\u3002\u3053\u308c\u306f\u30012\u5e74\u5951\u7d04\u306e\u643a\u5e2f\u96fb\u8a71\u306e\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u3068\u4f3c\u305f\u3082\u306e\u304c\u3042\u308a\u307e\u3059\u3002\u5b89\u304fiPhone\u3092\u58f2\u3063\u3066\u304a\u3044\u3066\u3001\u305d\u306e\u5f8c\u306e2\u5e74\u5951\u7d04\u306e\u6708\u984d\u5229\u7528\u6599\u3067\u3058\u3063\u304f\u308a\u5229\u76ca\u3092\u56de\u53ce\u3059\u308b\u3002\u3082\u3057\u6642\u671f\u5c1a\u65e9\u306b\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u306a\u3089\u3001\u3054\u3063\u305d\u308a\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\u3092\u5fb4\u53ce\u3059\u308b\u3068\u3044\u3046\u3082\u306e\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u9055\u3044\u307e\u3059\u304c\u3001Charge\u304c\u8ab2\u3055\u308c\u308b\u671f\u9593\uff08\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\u3068\uff09\u306f\u30016\u30017\u5e74\u304c\u5e73\u5747\u7684\u306e\u3088\u3046\u3067\u3059\u304c\u3001\u5834\u5408\u306b\u3088\u3063\u3066\u306f15\u5e74\u306b\u3082\u53ca\u3076\u3053\u3068\u304c\u3042\u308a\u3001\u4e00\u5e74\u76ee\u306f15%\u3082\u306eSurrender Charge\uff08\u4ee5\u964d1\uff05\u305a\u3064\u4e0b\u304c\u3063\u3066\u3044\u304f\uff09\u304c\u8ab2\u3055\u308c\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u3088\u304f\u308f\u304b\u3089\u306a\u3044\u307e\u307e\u5951\u7d04\u3057\u3001\u3084\u3063\u3071\u308a\u30ad\u30e3\u30f3\u30bb\u30eb\u3059\u308b\uff65\uff65\uff65\u306f\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304d\u307e\u3059\u3002<\/p>\n<h2 align=\"left\">\uff18\uff0e\u751f\u547d\u4fdd\u967a\u306f\u4e00\u751f\u5fc5\u8981\u3067\u306f\u306a\u3044\uff1f<\/h2>\n<p align=\"left\">\u751f\u547d\u4fdd\u967a\u3092\u3001\u300c\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u7dad\u6301\u300d\u3068\u3044\u3046\u751f\u547d\u4fdd\u967a\u306e\u672c\u6765\u306e\u76ee\u7684\u306b\u4f7f\u3046\u306e\u3067\u3042\u308c\u3070\u3001<\/p>\n<ul>\n<li>\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u8cbb<\/li>\n<li>\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528\u306a\u3069\u306e\u5b66\u8cbb<\/li>\n<li>\u8ca0\u50b5\u306e\u8fd4\u6e08<\/li>\n<li>\u846c\u5100\u3084\u30a8\u30b9\u30c6\u30fc\u30c8\u51e6\u7406\u306e\u30d5\u30a1\u30a4\u30ca\u30eb\u8cbb\u7528<\/li>\n<\/ul>\n<p align=\"left\">\u306a\u3069\u3092\u30ab\u30d0\u30fc\u3059\u308b\u305f\u3081\u306b\u5fc5\u8981\u306a\u984d\u304c\u3001\u751f\u547d\u4fdd\u967a\u3067\u5fc5\u8981\u306a\u6b7b\u4ea1\u4fdd\u969c\u3068\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3053\u306e\u984d\u306f\u305a\u3063\u3068\u4e00\u5b9a\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<ul>\n<li>\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u8cbb\uff1a\u3000\u5b50\u3069\u3082\u304c\u3072\u3068\u308a\u3075\u305f\u308a\u3068\u751f\u307e\u308c\u308b\u306b\u3057\u305f\u304c\u3063\u3066\u5897\u3048\u3066\u3044\u304d\u3001\u3072\u3068\u308a\u3075\u305f\u308a\u3068\u5de3\u7acb\u3061\u81ea\u7acb\u3057\u3066\u3044\u304f\u306b\u3064\u308c\u3066\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304f\u3002<\/li>\n<li>\u30ab\u30ec\u30c3\u30b8\u8cbb\u7528:\u3000\u5b50\u3069\u3082\u304c\u3072\u3068\u308a\u3075\u305f\u308a\u3068\u30ab\u30ec\u30c3\u30b8\u306b\u5165\u308b\u3068\u5897\u3048\u3066\u606f\u3001\u3072\u3068\u308a\u3075\u305f\u308a\u3068\u30ab\u30ec\u30c3\u30b8\u3092\u5352\u696d\u3059\u308b\u306b\u3064\u308c\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304f\u3002<\/li>\n<li>\u8ca0\u50b5\u306e\u8fd4\u6e08 \uff1a\u3000\u5bb6\u3084\u8eca\u3092\u8cfc\u5165\u3057\u30ed\u30fc\u30f3\u3092\u7d44\u3080\u3068\u5897\u3048\u3066\u3001\u5e74\u3054\u3068\u306b\u30ed\u30fc\u30f3\u304c\u8fd4\u6e08\u3055\u308c\u308b\u306b\u3064\u308c\u3066\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304f\u3002<\/li>\n<\/ul>\n<p align=\"left\">\u4e0a\u306e\u4e09\u8981\u7d20\u306f\u3069\u308c\u3082\u3001\u5b50\u3069\u3082\u306e\u8a95\u751f\u3001\u5165\u5b66\u3001\u5bb6\u3084\u8eca\u306e\u8cfc\u5165\u3068\u3068\u3082\u306b\u5897\u3048\u3001\u305d\u306e\u5f8c\u6642\u306e\u7d4c\u904e\u3068\u3068\u3082\u306b\u3060\u3093\u3060\u3093\u3068\u5c11\u306a\u304f\u306a\u3063\u3066\u3044\u304d\u307e\u3059\u3002\u6700\u5f8c\u306b\u6b8b\u308b\u306e\u306f\u3001\u846c\u5100\u3084\u30a8\u30b9\u30c6\u30fc\u30c8\u51e6\u7406\u306e\u30d5\u30a1\u30a4\u30ca\u30eb\u8cbb\u7528\u3060\u3051\u3068\u3044\u3046\u3053\u3068\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p align=\"left\">\u3064\u307e\u308a\u3001\u751f\u547d\u4fdd\u967a\u306e\u30cb\u30fc\u30ba\u306f\u4eba\u306e\u4e00\u751f\u306b\u3042\u3063\u3066\u30c6\u30f3\u30dd\u30e9\u30ea\u3067\u3042\u308b\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u3053\u306e\u30c6\u30f3\u30dd\u30e9\u30ea\u306a\u30cb\u30fc\u30ba\u3092\u6e80\u305f\u3059\u305f\u3081\u306b\u3001Whole\/Universal\/Variable Life\u306a\u3069\u306e\u30d1\u30fc\u30de\u30cd\u30f3\u30c8\u306a\u7d42\u8eab\u4fdd\u967a\u3092\u8cb7\u3046\u5fc5\u8981\u304c\u672c\u5f53\u306b\u3042\u308b\u306e\u304b\u306f\u3001\u3088\u304f\u541f\u5473\u305b\u306d\u3070\u306a\u3089\u306a\u3044\u3053\u3068\u3067\u3059\u3002<\/p>\n<p align=\"left\">\u5b50\u3069\u3082\u304c\u81ea\u7acb\u3067\u304d\u308b\u3068\u306f\u9650\u3089\u306a\u3044\u306e\u3067\u3001\u89aa\u306e\u6b7b\u5f8c\u3082\u751f\u6d3b\u304c\u7dad\u6301\u3067\u304d\u308b\u3088\u3046\u304a\u91d1\u3092\u6b8b\u3059\u5fc5\u8981\u304c\u3042\u308b\u5834\u5408\u3084\u3001\u4e0d\u52d5\u7523\u6295\u8cc7\u306a\u3069\u3092\u6301\u3063\u3066\u3044\u3066\u76f8\u7d9a\u6642\u306b\u76f8\u7d9a\u7a0e\u304c\u304b\u304b\u308b\u305f\u3081\u305d\u308c\u3092\u30ab\u30d0\u30fc\u3059\u308b\u3079\u304f\u6b7b\u4ea1\u4fdd\u969c\u304c\u6b32\u3057\u3044\u306a\u3069\u306e\u7279\u5b9a\u306e\u5834\u5408\u306a\u3069\u7d42\u8eab\u4fdd\u967a\u3092\u8cb7\u3046\u306e\u304c\u597d\u307e\u3057\u3044\u30b1\u30fc\u30b9\u306f\u3042\u308a\u3048\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u305d\u308c\u306f\u4e00\u90e8\u306e\u7279\u5b9a\u306e\u30cb\u30fc\u30ba\u304c\u5b58\u5728\u3059\u308b\u5834\u5408\u3060\u3051\u3067\u3042\u308a\u3001\u5e83\u304f\u4e00\u822c\u7684\u306a\u4eba\u306b\u306f\u3042\u3066\u306f\u307e\u3089\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<h2 align=\"left\">9.\u3000\u30cb\u30fc\u30ba\u304c\u767a\u751f\u3057\u305f\u3089\u3059\u3050\u8cb7\u3046<\/h2>\n<p align=\"left\">\u300c\u751f\u547d\u4fdd\u967a\u306f\u3001\u4fdd\u967a\u6599\u304c\u5b89\u3044\u82e5\u3044\u3046\u3061\u306b\u8cb7\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u300d\u3068\u3044\u3046\u30d5\u30ec\u30fc\u30ba\u306f\u3088\u304f\u805e\u304d\u307e\u3059\u3002\u305f\u3057\u304b\u306b\u305d\u3046\u3067\u3059\u3002\u4e0b\u306f\u3001Marsh\u793e\u306e10 Year Level Term Life\u306e\u4fdd\u967a\u6599\u3092\u30d7\u30ed\u30c3\u30c8\u3057\u305f\u3082\u306e\u3067\u3059\u300240\u6b73\u304f\u3089\u3044\u307e\u3067\u306f\u6bd4\u8f03\u7684\u6a2a\u3070\u3044\u3001\u305d\u306e\u5f8c40\u4ee3\u300150\u4ee3\u3068\u4fdd\u967a\u6599\u306e\u4e0a\u6607\u7387\u306f\u5927\u304d\u304f\u306a\u308a\u300160\u6b73\u3092\u8d85\u3048\u308b\u3068\u52a0\u901f\u5ea6\u7684\u306b\u4e0a\u304c\u3063\u3066\u3044\u304d\u307e\u3059\u3002<\/p>\n<p align=\"left\"><a href=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/10\/Term-Life-%E4%BF%9D%E9%99%BA%E6%96%99%E3%81%AE%E5%A4%89%E5%8C%96.png?ssl=1\" ><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" class=\"aligncenter  wp-image-1877\" title=\"Term Life \u4fdd\u967a\u6599\u306e\u5909\u5316\" alt=\"\" src=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/10\/Term-Life-%E4%BF%9D%E9%99%BA%E6%96%99%E3%81%AE%E5%A4%89%E5%8C%96.png?resize=384%2C263&#038;ssl=1\" width=\"384\" height=\"263\" srcset=\"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/10\/Term-Life-%E4%BF%9D%E9%99%BA%E6%96%99%E3%81%AE%E5%A4%89%E5%8C%96.png?w=652&amp;ssl=1 652w, https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2012\/10\/Term-Life-%E4%BF%9D%E9%99%BA%E6%96%99%E3%81%AE%E5%A4%89%E5%8C%96.png?resize=300%2C205&amp;ssl=1 300w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" \/><\/a><\/p>\n<p align=\"left\">Level Term\u306e\u5834\u5408\u306f\u3001\u65e9\u3044\u3046\u3061\u306b\u5951\u7d04\u3059\u308c\u3070\u3001\u305d\u308c\u3060\u3051\u4f4e\u3044\u4fdd\u967a\u6599\u306b\u30ed\u30c3\u30af\u30a4\u30f3\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p align=\"left\">\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u751f\u547d\u4fdd\u967a\u306f\u3001\u5bb6\u8a08\u306e\u652f\u3048\u624b\u304c\u6642\u671f\u5c1a\u65e9\u306b\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306e\u3001\u6b8b\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u7dad\u6301\u306e\u305f\u3081\u3067\u3059\u3002\u3053\u306e\u610f\u5473\u3067\u3001\u82e5\u3044\u30b7\u30f3\u30b0\u30eb\u3067\u3042\u308c\u3070\u751f\u547d\u4fdd\u967a\u306e\u30cb\u30fc\u30ba\u306f\u4f4e\u3044\u3067\u3057\u3087\u3046\u3002\u5b50\u3069\u3082\u306b\u304b\u3051\u308b\u751f\u547d\u4fdd\u967a\u3082\u5fc5\u8981\u3067\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3042\u304f\u307e\u3067\u30b1\u30fc\u30b9\u30fb\u30d0\u30a4\u30fb\u30b1\u30fc\u30b9\u3067\u3059\u304c\u3001\u57fa\u672c\u306f\u30cb\u30fc\u30ba\u304c\u306a\u3051\u308c\u3070\u8cb7\u308f\u306a\u3044\u3053\u3068\u3002\u30cb\u30fc\u30ba\u304c\u306a\u3044\u306e\u306b\u3001\u82e5\u3044\u3046\u3061\u306b\u5165\u3063\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u3044\u3046\u7406\u7531\u3060\u3051\u3067\u8cfc\u5165\u3059\u308b\u306e\u306f\u7121\u99c4\u3067\u3059\u3002\u305f\u3060\u3057\u3001\u7d50\u5a5a\u3057\u305f\u308a\u5b50\u3069\u3082\u304c\u3067\u304d\u305f\u308a\u3067\u3001\u30cb\u30fc\u30ba\u304c\u767a\u751f\u3057\u305f\u3089\u3001\u5148\u5ef6\u3070\u3057\u306b\u305b\u305a\u3059\u3050\u8cb7\u3046\u3053\u3068\u3067\u3059\u3002<\/p>\n<h2 align=\"left\">10.\u3000\u3044\u3063\u305f\u3093\u5951\u7d04\u3057\u305f\u3089\u653e\u308a\u3063\u3071\u306a\u3057\u306f\u30c0\u30e1<\/h2>\n<p align=\"left\">\u7e70\u308a\u8fd4\u3057\u306b\u306a\u308a\u307e\u3059\u304c\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u751f\u547d\u4fdd\u967a\u306e\u30cb\u30fc\u30ba\u306f\u30c6\u30f3\u30dd\u30e9\u30ea\u3067\u3059\u3002\u4eba\u751f\u306e\u30d5\u30a7\u30fc\u30ba\u306b\u3088\u3063\u3066\u3001\u5fc5\u8981\u306a\u6b7b\u4ea1\u4fdd\u969c\u306e\u5927\u304d\u3055\u3082\u4e0a\u4e0b\u3057\u307e\u3059\u3002\u751f\u547d\u4fdd\u967a\u306f\u3044\u3063\u305f\u3093\u5165\u3063\u305f\u3089\u653e\u308a\u3063\u3071\u306a\u3057\u3068\u3044\u3046\u306e\u306f\u3044\u3051\u307e\u305b\u3093\u3002\u30e9\u30a4\u30d5\u30fb\u30a4\u30d9\u30f3\u30c8\u306b\u5fdc\u3058\u3066\u3001\u9069\u5b9c\u898b\u76f4\u3057\u3092\u304b\u3051\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u751f\u547d\u4fdd\u967a\u306f\u3001\u5165\u308a\u3059\u304e\u3082\u30c0\u30e1\u3001\u8db3\u308a\u306a\u3044\u306e\u3082\u30c0\u30e1\u3002\u5fc5\u8981\u306a\u30cb\u30fc\u30ba\u306f\u3057\u3063\u304b\u308a\u30ab\u30d0\u30fc\u3057\u3001\u4e0d\u8981\u306a\u7121\u99c4\u306f\u7701\u304f\u30fb\u30fb\u30fb\u3053\u308c\u304c\u30dd\u30a4\u30f3\u30c8\u3002\u898b\u76f4\u3057\u304c\u5fc5\u8981\u306b\u306a\u308b\u3088\u3046\u306a\u30e9\u30a4\u30d5\u30fb\u30a4\u30d9\u30f3\u30c8\u3068\u306f\u30fb\u30fb\u30fb<\/p>\n<ul>\n<li>\u7d50\u5a5a\u3057\u305f\u3001\u96e2\u5a5a\u3057\u305f\u3001\u914d\u5076\u8005\u304c\u6b7b\u4ea1\u3057\u305f<\/li>\n<li>\u5b50\u3069\u3082\u304c\u751f\u307e\u308c\u305f\u3001\u990a\u5b50\u7e01\u7d44\u3057\u305f<\/li>\n<li>\u5b50\u3069\u3082\u304c\u5927\u5b66\u306b\u5165\u5b66\u3057\u305f<\/li>\n<li>\u5b50\u3069\u3082\u304c\u81ea\u7acb\u3057\u305f<\/li>\n<li>\u5bb6\u3092\u8cfc\u5165\u3057\u305f<\/li>\n<li>\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u304c\u8fd1\u3065\u3044\u3066\u3044\u308b<\/li>\n<li>\u6276\u990a\u5bb6\u65cf\u304c\u5927\u5909\u306a\u75c5\u6c17\u306b\u306a\u3063\u305f\u30fb\u969c\u5bb3\u3092\u8ca0\u3063\u305f<\/li>\n<li>\u8ee2\u8077\u3057\u305f<\/li>\n<li>\u914d\u5076\u8005\u306e\u53ce\u5165\u304c\u5927\u304d\u304f\u5909\u5316\u3057\u305f<\/li>\n<li>\u30d3\u30b8\u30cd\u30b9\u3092\u30b9\u30bf\u30fc\u30c8\u3057\u305f<\/li>\n<li>\u89aa\u306e\u9762\u5012\u3092\u770b\u308b\u3088\u3046\u306b\u306a\u3063\u305f<\/li>\n<\/ul>\n<p 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