\u30bb\u30ab\u30f3\u30c9\u30fb\u30aa\u30d4\u30cb\u30aa\u30f3\u304c\u5fc5\u8981\u306a\u5834\u5408\u306f\u3001\u305c\u3072Smart & Responsible\u306b\u3054\u9023\u7d61\u304f\u3060\u3055\u3044<\/a>\u3002<\/p>\n\u4ee5\u4e0b\u304c\u3001\u751f\u547d\u4fdd\u967a\u3084\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u304c\u30ab\u30ec\u30c3\u30b8\u8cc7\u91d1\u8abf\u9054\u306e\u305f\u3081\u306b\u3075\u3055\u308f\u3057\u304f\u306a\u3044\u7406\u7531\u3067\u3059\u3002<\/p>\n
\u4e0d\u8981\u306a\u751f\u547d\u4fdd\u967a\u90e8\u5206<\/h3>\n
\u30ad\u30e3\u30c3\u30b7\u30e5\u30d0\u30ea\u30e5\u30fc\u304c\u6e9c\u307e\u308a\u3001\u6295\u8cc7\u52b9\u679c\u3082\u671f\u5f85\u3067\u304d\u308bVariable Life\u306a\u3069\u306e\u7d42\u8eab\u4fdd\u967a\u306f\u3001\u6295\u8cc7\u3067\u3042\u308b\u3088\u308a\u5148\u306b\u7d42\u8eab\u4fdd\u967a\u3067\u3059\u3002\u7d42\u8eab\u4fdd\u967a\u304c\u672c\u5f53\u306b\u5fc5\u8981\u3067\u306a\u3044\u306e\u306b\u3001\u6295\u8cc7\u306e\u305f\u3081\u306b\u5951\u7d04\u3059\u3079\u304d\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4e21\u89aa\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u306e\u88dc\u511f\u3068\u3057\u3066\u306f\u4fa1\u5024\u304c\u3042\u308b\u3082\u306e\u3067\u3059\u304c\u3001\u4e21\u89aa\u304c\u6b7b\u4ea1\u3057\u306a\u3044\u3053\u3068\u3092\u60f3\u5b9a\u3057\u3066\u306e\u8cc7\u91d1\u6e96\u5099\u306b\u306f\u5927\u304d\u306a\u5a01\u529b\u306e\u3042\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5fc5\u8981\u306a\u4fdd\u967a\u6599\u3092\u6255\u3046\u3053\u3068\u3067\u304b\u3048\u3063\u3066\u30b3\u30b9\u30c8\u9ad8\u3068\u306a\u308b\u53ef\u80fd\u6027\u3082\u5927\u3067\u3059\u3002<\/p>\n
\u53ce\u5165\u306e\u307b\u3046\u304c\u5a01\u529b\u3042\u308a<\/h3>\n
\u4fdd\u967a\u5546\u54c1\u306fFAFSA\u3067\u8cc7\u7523\u306b\u6570\u3048\u3089\u308c\u306a\u3044\u306e\u3067\u3001\u7d50\u679c\u7684\u306b\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u304c\u591a\u304f\u3082\u3089\u3048\u308b\u3088\u3046\u306a\u308b\u3068\u3044\u3046\u306e\u304c\u3088\u304f\u4f7f\u308f\u308c\u308b\u3075\u308c\u3053\u307f\u3067\u3059\u304c\u3001FAFSA\u306e\u8a08\u7b97\u3067\u306f\u3001\u8cc7\u7523\u3088\u308a\u3082\u53ce\u5165\u306e\u307b\u3046\u304c\u5927\u304d\u306a\u5f71\u97ff\u529b\u3092\u6301\u3061\u307e\u3059\u3002\u53ce\u5165\u304c\u3042\u308b\u7a0b\u5ea6\u4ee5\u4e0a\u306a\u3089\u3001\u3082\u3046\u3059\u3067\u306b\u30a8\u30a4\u30c9\u304c\u3082\u3089\u3048\u308b\u53ef\u80fd\u6027\u304c\u304b\u306a\u308a\u8584\u304f\u306a\u308a\u3001\u8cc7\u7523\u3092\u4fdd\u967a\u5546\u54c1\u3068\u3044\u3046\u5f62\u306b\u4ee3\u3048\u3088\u3046\u304c\u4ee3\u3048\u306a\u304b\u308d\u3046\u304c\u3001\u6700\u7d42\u7684\u306a\u30a8\u30a4\u30c9\u984d\u306f\u5909\u5316\u304c\u306a\u3044\u3053\u3068\u304c\u307b\u3068\u3093\u3069\u3067\u3059\u3002<\/p>\n
\u8cc7\u7523\u306b\u3082\u8a31\u5bb9\u984d\u3042\u308a<\/h3>\n
\u9280\u884c\u53e3\u5ea7\u3084\u6295\u8cc7\u53e3\u5ea7\uff08\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u4ee5\u5916\u306e\uff09\u306fFAFSA\u3067\u8cc7\u7523\u306b\u6570\u3048\u3089\u308c\u308b\u306e\u3067\u3001\u4fdd\u967a\u5546\u54c1\u306b\u5f62\u3092\u5909\u3048\u305f\u307b\u3046\u304c\u3044\u3044\u3068\u3044\u3046\u3088\u304f\u8a00\u308f\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u9280\u884c\u53e3\u5ea7\u3084\u6295\u8cc7\u53e3\u5ea7\u306a\u3069\u306eFAFSA\u306b\u6570\u3048\u3089\u308c\u308b\u8cc7\u7523\u3082\u3001\u3042\u308b\u7a0b\u5ea6\u307e\u3067\u306f\u6301\u3063\u3066\u3044\u3066\u3082\u6570\u3048\u3089\u308c\u306a\u3044\u8a31\u5bb9\u984d\u3068\u3044\u3046\u306e\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4e21\u89aa\u306e\u3046\u3061\u5e74\u4e0a\u306e\u307b\u3046\u306e\u5e74\u9f62\u304c50\u304b\u308960\u6b73\u306e\u9593\u306e\u5834\u5408\u3001$46,000\u304b\u3089$61,000\u307e\u3067\u306e\u8cc7\u7523\u304c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u307e\u305b\u3093\uff082020\u5e74\u73fe\u5728\u30a2\u30c3\u30d7\u30c7\u30fc\u30c8\uff1a\u3053\u306e\u30ab\u30a6\u30f3\u30c8\u984d\u306f\u3069\u3093\u3069\u3093\u7e2e\u5c0f\u3055\u308c\u30012020\u5e74\u3067$9,400\u307e\u3067\u306b\u4e0b\u304c\u308a\u307e\u3057\u305f\uff09\u3002401k\u3084IRA\u306a\u3069\u306e\u30ea\u30bf\u30a4\u30e4\u30e1\u30f3\u30c8\u53e3\u5ea7\u306f\u3082\u3068\u3082\u3068\u9664\u5916\u3055\u308c\u307e\u3059\u304b\u3089\u3001\u308f\u3056\u308f\u3056\u4fdd\u967a\u5546\u54c1\u306b\u8cc7\u7523\u3092\u79fb\u3059\u5fc5\u8981\u306f\u305d\u3082\u305d\u3082\u306a\u3044\u5834\u5408\u3082\u591a\u3044\u3067\u3057\u3087\u3046\uff082020\u5e74\u73fe\u5728\u30a2\u30c3\u30d7\u30c7\u30fc\u30c8\uff1a\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u8cc7\u7523\u984d\u306e\u6e1b\u5c11\u304c\u3042\u3063\u305f\u305f\u3081\u3001\u4e00\u5b9a\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\u9650\u3089\u308c\u305f\u30b1\u30fc\u30b9\u3067\u306f\u8cc7\u7523\u3092\u79fb\u3057\u3066\u529f\u3092\u594f\u3059\u308b\u30b1\u30fc\u30b9\u3082\u306a\u3044\u3068\u306f\u3044\u3048\u306a\u3044\u3068\u601d\u3044\u307e\u3059\uff09\u3002<\/p>\n
5.64\uff05\u306e\u5f71\u97ff\u529b<\/h3>\n
\u591a\u984d\u306e\u9280\u884c\u53e3\u5ea7\u3084\u6295\u8cc7\u53e3\u5ea7\u3092\u6301\u3063\u3066\u3044\u308b\u3001\u3042\u308b\u3044\u306f\u30ec\u30f3\u30bf\u30eb\u30d7\u30ed\u30d1\u30c6\u30a3\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u5834\u5408\u3082\u3001\u8cc7\u7523\u304c\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u984d\u306b\u4e0e\u3048\u308b\u5f71\u97ff\u306f\u9650\u3089\u308c\u3066\u3044\u307e\u3059\uff08\u524d\u8ff0\u306e\u3068\u304a\u308a\u3001\u53ce\u5165\u306e\u307b\u3046\u304c\u305a\u3063\u3068\u5927\u304d\u306a\u5f71\u97ff\u304c\u3042\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u64cd\u4f5c\u3059\u308b\u306e\u3067\u3042\u308c\u3070\u3001\u53ce\u5165\u3092\u64cd\u4f5c\u3059\u308b\u307b\u3046\u304c\u5927\u304d\u306a\u52b9\u679c\u304c\u3042\u308a\u307e\u3059\uff09\u3002\u8a31\u5bb9\u984d\u3092\u8d85\u3048\u305f\u8cc7\u7523\u306b5.64\uff05\u3092\u304b\u3051\u305f\u984d\u306e\u5206\u3060\u3051\u3001\u30d5\u30a1\u30a4\u30f3\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u984d\uff08\u6b63\u78ba\u306b\u306fEFC\uff09\u306b\u5f71\u97ff\u304c\u3042\u308b\u306e\u307f\u3067\u3059\u3002<\/p>\n
\u4fdd\u967a\u5546\u54c1\u3082\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u304b\u3082<\/h3>\n
\u307e\u305f\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u3092\u7533\u8acb\u3059\u308b\u5927\u5b66\u306b\u3088\u3063\u3066\u306f\u3001FAFSA\u3067\u306f\u306a\u304fCSS\/Profile\u3068\u3044\u3046\u5225\u306e\u30a8\u30a4\u30c9\u7533\u8acb\u30b7\u30b9\u30c6\u30e0\u3092\u4f7f\u3063\u3066\u304a\u308a\u3001\u3053\u306e\u5834\u5408\u306f\u4fdd\u967a\u5546\u54c1\u306b\u5f62\u3092\u5909\u3048\u305f\u8cc7\u7523\u3082\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u308b\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002\u4fdd\u967a\u5546\u54c1\u3092\u8cb7\u3063\u3066\u8cc7\u7523\u3092\u6e1b\u3089\u305d\u3046\u3068\u3059\u308b\u5834\u5408\u306b\u306f\u3001\u307e\u305a\u306f\u5e0c\u671b\u6821\u306e\u30d5\u30a1\u30a4\u30ca\u30f3\u30b7\u30e3\u30eb\u30fb\u30a8\u30a4\u30c9\u306e\u30b7\u30b9\u30c6\u30e0\u3067\u4fdd\u967a\u5546\u54c1\u304c\u30ab\u30a6\u30f3\u30c8\u3055\u308c\u306a\u3044\u3053\u3068\u3092\u78ba\u8a8d\u3057\u305f\u307b\u3046\u304c\u3088\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n
\u73fe\u91d1\u304c\u81ea\u7531\u306b\u306a\u3089\u306a\u3044<\/h3>\n
\u3082\u3057\u3082\u73fe\u91d1\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u3068\u304d\u3001\u4fdd\u967a\u5546\u54c1\u304b\u3089\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b\u3053\u3068\u304c\u53ef\u80fd\u306a\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u304c\uff08\u591a\u304f\u306e\u5834\u5408\u5b66\u751f\u30ed\u30fc\u30f3\u3088\u308a\u3082\u91d1\u5229\u304c\u4f4e\u3044\u3088\u3046\u3067\u3059\u304c\uff09\u3001\u305d\u3082\u305d\u3082\u8cb7\u3046\u5fc5\u8981\u306e\u306a\u3044\u4fdd\u967a\u3092\u8cb7\u3063\u3066\u30ed\u30fc\u30f3\u3092\u53d7\u3051\u308b\u306e\u306a\u3089\u3001\u73fe\u91d1\u3084\u6295\u8cc7\u3068\u3057\u3066\u624b\u5143\u306b\u3042\u3063\u305f\u304a\u91d1\u304b\u3089\u652f\u6255\u3046\u307b\u3046\u304c\u52b9\u7387\u304c\u3044\u3044\u5834\u5408\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u3082\u3057\u4fdd\u967a\u5546\u54c1\u3092\u8cfc\u5165\u3059\u308b\u305f\u3081\u306b\u3001\u30bb\u30ab\u30f3\u30c9\u30fb\u30e2\u30fc\u30b2\u30fc\u30b8\u3084\u30ea\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u306a\u3069\u30ed\u30fc\u30f3\u3092\u7d44\u3093\u3067\u3044\u308b\u306e\u306a\u3089\u3001\u30c0\u30d6\u30eb\u3067\u91d1\u5229\uff08\u30e2\u30fc\u30b2\u30fc\u30b8\uff0b\u4fdd\u967a\u304b\u3089\u306e\u30ed\u30fc\u30f3\uff09\u3092\u6255\u3046\u3053\u3068\u306b\u3082\u306a\u308a\u304b\u306d\u307e\u305b\u3093\u3002<\/p>\n
\u7c21\u5358\u306b\u3067\u304d\u306a\u3044\u30ad\u30e3\u30f3\u30bb\u30eb<\/h3>\n
\u601d\u3044\u5207\u3063\u3066\u89e3\u7d04\u3057\u3088\u3046\u3068\u3059\u308c\u3070\u3001\u591a\u984d\u306e\u30ad\u30e3\u30f3\u30bb\u30eb\u6599\uff08Surrender Fee\u306a\u3069\u3068\u547c\u3070\u308c\u308b\uff09\u304c\u304b\u304b\u308b\u5834\u5408\u3082\u591a\u3044\u3067\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u3064\u3044\u3066\u306f\u300159\u6b73\u534a\u4ee5\u524d\u306b\u5f15\u304d\u51fa\u3057\u305f\u5229\u5b50\u5206\u306b\u3064\u3044\u3066\u306f10\u30d1\u30fc\u30bb\u30f3\u30c8\u306e\u30da\u30ca\u30eb\u30c6\u30a3\u3082\u304b\u304b\u308a\u307e\u3059\u3002<\/p>\n
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