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Fee\u3068\u304bCancellation Penalty\u306a\u3069\u3068\u3044\u3046\u89e3\u7d04\u30da\u30ca\u30eb\u30c6\u30a3\u6599\u91d1\u304c\u767a\u751f\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u975e\u5e38\u306b\u9ad8\u304f\u3064\u304f\u3053\u3068\u306b\u306a\u308b\u3046\u3048\u3001\u305d\u308c\u4ee5\u5916\u306b\u3082\u5177\u4f53\u7684\u306b\u76ee\u306b\u898b\u3048\u308b\u5f62\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u305d\u308c\u307e\u3067\u306b\u652f\u6255\u3063\u3066\u3044\u305f\u4fdd\u967a\u6599\u3001\u624b\u6570\u6599\u3001\u30e9\u30a4\u30c0\u30fc\u6599\u91d1\u304cWaste\u3055\u308c\u308b\uff08\u305d\u308c\u3089\u306e\u6599\u91d1\u306f\u5c06\u6765\u7684\u306a\u4fdd\u8a3c\u30b5\u30fc\u30d3\u30b9\u306b\u5bfe\u3059\u308b\u6599\u91d1\u3082\u542b\u3093\u3067\u3044\u307e\u3059\u304c\u3001\u89e3\u7d04\u3059\u308c\u3070\u6255\u3046\u3060\u3051\u6255\u3063\u305f\u306e\u306b\u3001\u5c06\u6765\u306e\u30b5\u30fc\u30d3\u30b9\u306f\u653e\u68c4\u3059\u308b\u3053\u3068\u306b\u306a\u308a\u307e\u3059\uff09\u3068\u3044\u3046\u610f\u5473\u3067\u3082\u9ad8\u304f\u3064\u304f\u5931\u6557\u306b\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u3088\u3063\u3066\u5951\u7d04\u306b\u306f\u3001\u3088\u304f\u3088\u304f\u541f\u5473\u3059\u308b\u3053\u3068\u304c\u809d\u8981\u3067\u3059\u3002\u3088\u304f\u7406\u89e3\u3067\u304d\u306a\u3044\u3082\u306e\u306b\u306f\u304a\u91d1\u3092\u6255\u308f\u306a\u3044\u3053\u3068\u3001\u5951\u7d04\u3092\u3057\u306a\u3044\u3053\u3068\u304c\u8ce2\u660e\u3067\u3059\u3002<\/p>\n<p>\u307b\u304b\u306e\u4fdd\u967a\u5546\u54c1\u540c\u69d8\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u81ea\u5206\u306e\u30cb\u30fc\u30ba\u306b\u3074\u3063\u305f\u308a\u3042\u3063\u305f\u826f\u8cea\u306e\u5546\u54c1\u3092\u9078\u3079\u3070\u3001\u3068\u3066\u3082\u5fc3\u5f37\u3044\u5473\u65b9\u306b\u306a\u308a\u307e\u3059\u3002\u3057\u304b\u3057\u9593\u9055\u3063\u305f\u9078\u629e\u3092\u3059\u308b\u3068\u3001\u975e\u5e38\u306b\u624b\u75db\u3044\u5931\u6557\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>\u624b\u3054\u308f\u3044\u76f8\u624b\u3068\u306e\u8ced\u3051<\/h1>\n<p>\u3053\u3053\u3067\u3072\u3068\u3064\u3088\u304f\u5fc3\u306b\u3068\u3081\u3066\u304a\u304d\u305f\u3044\u306e\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u542b\u3081\u4fdd\u967a\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u3059\u308b\u4e00\u7a2e\u306e\u300c\u8ced\u3051\u300d\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u5b9a\u671f\u751f\u547d\u4fdd\u967a\u306a\u3089\u3001\u5951\u7d04\u8005\u304c\u671f\u9593\u5185\u306b\u6b7b\u4ea1\u3059\u308c\u3070\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u6b7b\u4ea1\u4fdd\u8a3c\u91d1\u5206\u3060\u3051\u8ca0\u3051\u3001\u5951\u7d04\u8005\u304c\u52dd\u3064\u8ced\u3051\u3067\u3059\u3002\u53cd\u5bfe\u306b\u5951\u7d04\u8005\u304c\u671f\u9593\u5185\u306b\u6b7b\u4ea1\u3057\u306a\u3051\u308c\u3070\u3001\u5951\u7d04\u8005\u306f\u4fdd\u967a\u6599\u306e\u5206\u3060\u3051\u8ca0\u3051\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u52dd\u3064\u8ced\u3051\u3067\u3059\u3002\u751f\u547d\u4fdd\u967a\u306f\u300c\u65e9\u6b7b\u306b\u4fdd\u967a\u300d\u3067\u3042\u308b\u3068\u3059\u308c\u3070\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u300c\u9577\u751f\u304d\u4fdd\u967a\u300d\u3067\u3059\u3002\u9577\u304f\u751f\u304d\u904e\u304e\u3066\u3001\u9650\u3089\u308c\u305f\u8cc7\u91d1\u304c\u67af\u6e07\u3059\u308b\u3053\u3068\u3092\u9632\u304e\u3001\u3069\u3093\u306a\u306b\u9577\u304f\u751f\u304d\u3066\u3082\u4e00\u5b9a\u306e\u56fa\u5b9a\u984d\u304c\u6c38\u4e45\u306b\u3082\u3089\u3048\u308b\uff08Lifetime Annuity\u306e\u5834\u5408\uff09\u4fdd\u967a\u3067\u3059\u3002\u3088\u3063\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5834\u5408\u306f\u3001\u5951\u7d04\u8005\u304c\u9577\u751f\u304d\u3059\u308c\u3070\u9577\u751f\u304d\u3059\u308b\u307b\u3069\u5951\u7d04\u8005\u306e\u52dd\u3061\u3001\u65e9\u304f\u6b7b\u306d\u3070\u6b7b\u306c\u307b\u3069\u4fdd\u967a\u4f1a\u793e\u306e\u52dd\u3061\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u8ced\u3051\u306f\u3001\u4e21\u793e\u304c\u540c\u3058\u304f\u3089\u3044\u306e\u60c5\u5831\u3068\u77e5\u8b58\u3092\u6301\u3063\u3066\u3044\u308c\u3070\u3001\u516c\u5e73\u306a\u52dd\u8ca0\u306b\u306a\u308a\u307e\u3059\u3002\u53cd\u5bfe\u306b\u4e00\u65b9\u304c\u4ed6\u65b9\u3088\u308a\u591a\u304f\u306e\u60c5\u5831\u3068\u77e5\u8b58\u3092\u6301\u3063\u3066\u3044\u308b\u3068\u3001\u56f3\u3089\u305a\u3068\u3082\u300c\u643e\u53d6\u300d\u304c\u8d77\u3053\u308b\u3053\u3068\u304c\u3042\u308a\u307e\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u5bff\u547d\u3084\u6b7b\u4ea1\u7387\u306a\u3069\u306e\u7d71\u8a08\u60c5\u5831\u306e\u30cf\u30f3\u30c9\u30ea\u30f3\u30b0\u3068\u304a\u91d1\u306e\u8a08\u7b97\u306b\u304b\u3051\u3066\u306f\u30d7\u30ed\u3067\u3059\u3002\u3064\u307e\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3068\u3063\u3066\u3053\u306e\u300c\u8ced\u3051\u300d\u306f\u5358\u306b\u5929\u306b\u904b\u3092\u4efb\u305b\u308b\u8ced\u3051\u3067\u306f\u306a\u304f\u3001\u8a08\u7b97\u306e\u3046\u3048\u5168\u4f53\u7684\u306b\u306f\u5fc5\u305a\u52dd\u3064\u3088\u3046\u306b\u4fdd\u967a\u91d1\u3084\u624b\u6570\u6599\u304c\u8a08\u7b97\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u53cd\u5bfe\u306b\u3001\u5951\u7d04\u8005\u306f\u7d20\u4eba\u3067\u3042\u308b\u5834\u5408\u304c\u591a\u3044\u3067\u3057\u3087\u3046\u3002\u7d20\u4eba\u306f\u3001\u8247\u306e\u826f\u3044\u30d1\u30f3\u30d5\u30ec\u30c3\u30c8\u3084\u8033\u306b\u3084\u3055\u3057\u3044\u6b4c\u3044\u6587\u53e5\u306b\u60d1\u308f\u3055\u308c\u308b\u5834\u5408\u3082\u591a\u3044\u306e\u304c\u6b8b\u5ff5\u306a\u4e8b\u5b9f\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u4f1a\u793e\u306e\u63d0\u4f9b\u3059\u308b\u5546\u54c1\u306a\u308a\u30b5\u30fc\u30d3\u30b9\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u304c\u52dd\u3064\u3088\u3046\u306b\u3067\u304d\u3066\u3044\u307e\u3059\u3002\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u4f01\u696d\u3068\u3057\u3066\u5b58\u7d9a\u3067\u304d\u305a\u3001\u305d\u3046\u3059\u308c\u3070\u6d88\u8cbb\u8005\u3082\u56f0\u308a\u307e\u3059\u304b\u3089\u3001\u305d\u308c\u304c\u3042\u308b\u3079\u304d\u59ff\u306a\u306e\u3067\u3059\u304c\u3001\u3042\u307e\u308a\u306b\u5ea6\u306e\u904e\u304e\u308b\u52dd\u3061\u65b9\u306f\u516c\u6b63\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u901a\u5e38\u306a\u3089\u3001\u8cea\u306e\u826f\u304f\u306a\u3044\u98df\u54c1\u3067\u3042\u308c\u3070\u3001\u591a\u304f\u306e\u4eba\u304c\u305d\u308c\u3092\u898b\u629c\u304d\u8cfc\u8cb7\u3092\u63a7\u3048\u307e\u3059\u304b\u3089\u3001\u304a\u306e\u305a\u3068\u5546\u54c1\u304c\u6dd8\u6c70\u3055\u308c\u308b\u304b\u5024\u6bb5\u304c\u4e0b\u304c\u308b\u304b\u306b\u306a\u308b\u306e\u3067\u3059\u304c\u3001\u6d88\u8cbb\u8005\u306e\u60c5\u5831\u3068\u77e5\u8b58\u304c\u4e0d\u8db3\u3057\u3066\u3044\u3066\u3001\u8cea\u3092\u898b\u629c\u304d\u306b\u304f\u3044\u5834\u5408\u306b\u306f\u3001\u305d\u306e\u307e\u307e\u306e\u5024\u6bb5\u3067\u8ca9\u58f2\u3055\u308c\u7d9a\u3051\u308b\u3053\u3068\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3068\u304f\u306b\u975e\u5e38\u306b\u8907\u96d1\u306a\u3082\u306e\u304c\u591a\u304f\u3001\u6b8b\u5ff5\u306a\u304c\u3089\u6d88\u8cbb\u8005\u306e\u643e\u53d6\u304c\u8d77\u304d\u3084\u3059\u3044\u5546\u54c1\u3060\u3068\u601d\u3044\u307e\u3059\u3002\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u3001\u672c\u6765\u306f\u30b7\u30f3\u30d7\u30eb\u3067\u3042\u3063\u3066\u3088\u3044\u3082\u306e\u306e\u306f\u305a\u3067\u3059\u304c\u3001\u6562\u3048\u3066\u8907\u96d1\u306b\u306a\u3063\u3066\u3044\u308b\uff08\u60c5\u5831\u3068\u77e5\u8b58\u3092\u6301\u3064\u3082\u306e\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u3082\u306e\u306e\u76ee\u3092\u898b\u3048\u306b\u304f\u304f\u3059\u308b\u305f\u3081\u3001\u6562\u3048\u3066\u8907\u96d1\u306b\u3057\u3066\u3044\u308b\u30b1\u30fc\u30b9\u3082\u5b58\u5728\u3059\u308b\uff09\u3082\u306e\u304c\u591a\u3044\u3068\u601d\u3044\u307e\u3059\u3002\u8907\u96d1\u3067\u3042\u308b\u3053\u3068\u306f\u3001\u300c\u7159\u306b\u5dfb\u304f\u300d\u52b9\u679c\u3092\u4f5c\u308a\u51fa\u3059\u305f\u3081\u304b\u3082\u3057\u308c\u306a\u3044\u3053\u3068\u3092\u3001\u5fc3\u306b\u3068\u3081\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<p>\u4e0b\u3067\u3053\u308c\u30894\u6587\u5b57\u8a9e\u306e\u30e9\u30a4\u30c0\u30fc\u306b\u3064\u3044\u3066\u7c21\u5358\u306a\u8aac\u660e\u3092\u8f09\u305b\u307e\u3059\u304c\u3001\u30d5\u30a1\u30a4\u30ca\u30f3\u30b9\u3092\u751f\u696d\u306b\u3057\u3066\u3044\u308b\u79c1\u3067\u3082\u3001\u4f55\u5ea6\u8aad\u3093\u3067\u3082\u6df7\u540c\u3057\u305f\u308a\u6df7\u4e71\u3057\u305f\u308a\u3057\u307e\u3059\u3002\u5546\u54c1\u3092\u6271\u3046\u4fdd\u967a\u30a8\u30fc\u30b8\u30a7\u30f3\u30c8\u3082\u3001\u5b9f\u969b\u88cf\u306e\u8a08\u7b97\u306a\u3069\u306f\u77e5\u3089\u306a\u3044\u307e\u307e\u3001\u4ee3\u7406\u5e97\u30fb\u793e\u5185\u30c8\u30ec\u30fc\u30cb\u30f3\u30b0\u306a\u3069\u3067\u6559\u308f\u3063\u305f\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u6587\u53e5\u3092\u5fc3\u304b\u3089\u4fe1\u3058\u3066\u3001\u5584\u610f\u3067\u3053\u308c\u3089\u306e\u30e9\u30a4\u30c0\u30fc\u3092\u52e7\u3081\u3066\u304f\u308c\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u305f\u3060\u3001\u5951\u7d04\u3059\u308b\u306e\u306f\u81ea\u5206\u3067\u3059\u304b\u3089\u3001\u3057\u3064\u3053\u304f\u8cea\u554f\u3092\u3057\u3066\u7406\u89e3\u3059\u308b\u81ea\u5df1\u8cac\u4efb\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u4e0b\u306e\u8aac\u660e\u306f\u7c21\u6613\u30d0\u30fc\u30b8\u30e7\u30f3\u3067\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u3082\u7d30\u304b\u3044\u5dee\u7570\u304c\u3042\u308b\u3053\u3068\u306f\u3088\u304f\u3042\u308a\u307e\u3059\u306e\u3067\u3001\u3042\u304f\u307e\u3067\u53c2\u8003\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p><strong>\u00a0<\/strong><\/p>\n<h2>Guaranteed Minimum Death Benefit \uff08GMDB\uff09<\/h2>\n<p><strong><br \/>\n<\/strong>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff08\u5e74\u91d1\uff09\u3092\u3082\u3089\u3044\u59cb\u3081\u308b\u524d\u306b\u3001\u5951\u7d04\u8005\u304c\u6b7b\u4ea1\u3057\u305f\u5834\u5408\u3001\u30d9\u30cd\u30d5\u30a3\u30b7\u30e3\u30ea\u30fc\u304c\u624b\u306b\u3059\u308b\u6b7b\u4ea1\u4fdd\u8a3c\u91d1\u306e\u6700\u4f4e\u984d\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u7a4d\u307f\u7acb\u3066\u6295\u8cc7\u3092\u884c\u3063\u3066\u3001\u6295\u8cc7\u640d\u304c\u51fa\u305f\u5834\u5408\u3067\u3082\u3001\u300c\u6700\u4f4e\u3067\u3082\u3001\u6255\u8fbc\u4fdd\u967a\u6599\uff08\u304b\u3089\u624b\u6570\u6599\u3084\u305d\u308c\u307e\u3067\u306b\u5f15\u304d\u51fa\u3057\u305f\u984d\u3092\u5dee\u3057\u5f15\u304d\u5f8c\uff09\u5206\u306f\u6255\u3044\u623b\u3055\u308c\u308b\u300d\u3053\u3068\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002<\/p>\n<h2>Guaranteed Minimum Income Benefit\u00a0\uff08GMIB\uff09<\/h2>\n<p>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3082\u3089\u3044\u59cb\u3081\u308b\u3068\u304d\u306b\u306f\u3001\u6295\u8cc7\u306e\u7d50\u679c\u3001\u6210\u9577\u3057\u305f\u53e3\u5ea7\u6b8b\u9ad8\u3092\u3082\u3068\u306b\u3057\u3066\u3001\u6708\u3005\u3044\u304f\u3089\u3065\u3064\u306e\u5e74\u91d1\u306b\u306a\u308b\u304b\u3092\u8a08\u7b97\u3057\u307e\u3059\u304c\u3001\u305d\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306e\u6700\u4f4e\u984d\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u6295\u8cc7\u3067\u30ed\u30b9\u304c\u3042\u3063\u305f\u3068\u3057\u3066\u3082\u3001\u6700\u4f4e\u9650\u306e\u30d9\u30fc\u30b9\u984d\u3092\u4fdd\u8a3c\u3059\u308b\u306e\u3067\u3001\u305d\u308c\u3092\u30d9\u30fc\u30b9\u306b\u8a08\u7b97\u3055\u308c\u308b\u6708\u3005\u3082\u3089\u3046\u3053\u3068\u304c\u3067\u304d\u308b\u5e74\u91d1\u984d\u3082\u6700\u4f4e\u4fdd\u8a3c\u3055\u308c\u307e\u3059\u3002\u3053\u308c\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u3082\u3089\u3044\u59cb\u3081\u3066\u3001\u521d\u3081\u3066\u4eab\u53d7\u3067\u304d\u308b\u6069\u6075\u3067\u3059\u3002\u9014\u4e2d\u89e3\u7d04\u3084\u5f15\u304d\u51fa\u3057\u306b\u3088\u3063\u3066\u3001\u7d50\u5c40\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5e74\u91d1\u3068\u3057\u3066\u306f\u53d7\u3051\u53d6\u3089\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u306e\u3067\u306f\u7121\u99c4\u306b\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u6700\u4f4e\u306e\u4fdd\u8a3c\u984d\u3082\u5e74\u5229\u8a08\u7b97\u3059\u308b\u3068\u304b\u306a\u308a\u4f4e\u3044\u30b1\u30fc\u30b9\u3082\u591a\u304f\u3001\u308f\u3056\u308f\u3056\u5225\u6599\u91d1\u3092\u6255\u3063\u3066\u307e\u3067\u8cb7\u3046\u4fa1\u5024\u306f\u306a\u304b\u3063\u305f\u3068\u3044\u3046\u5834\u5408\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<h2>Guaranteed Minimum Accumulation Benefit\u00a0\uff08GMAB\uff09<\/h2>\n<p>\u4e00\u5b9a\u671f\u9593\uff087\u304b\u308910\u5e74\u304c\u5178\u578b\uff09\u306e\u5f8c\u306e\u53e3\u5ea7\u6b8b\u9ad8\u306e\u6700\u4f4e\u984d\u3092\u4fdd\u8a3c\u3057\u307e\u3059\u3002\u6700\u4f4e\u984d\u306f\u3001\u591a\u304f\u306e\u5834\u5408\u3001\u6255\u8fbc\u4fdd\u967a\u6599\u3067\u3059\u3002\u6295\u8cc7\u3067\u640d\u5931\u304c\u51fa\u3066\u3057\u307e\u3063\u3066\u3082\u3001\u6700\u4f4e\u9650\u306f\u5143\u672c\u4fdd\u8a3c\u304c\u3055\u308c\u308b\u3057\u304f\u307f\u3067\u3059\u3002\u6295\u8cc7\u3059\u308b\u30d5\u30a1\u30f3\u30c9\u306b\u306f\u4e00\u5b9a\u306e\u3057\u3070\u308a\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\uff08\u3042\u307e\u308a\u306b\u30ea\u30b9\u30ad\u30fc\u306a\u3082\u306e\u306b\u306f\u6295\u8cc7\u3067\u304d\u306a\u3044\u3088\u3046\u306b\uff09\u5834\u5408\u3042\u308a\u307e\u3059\u30027\u5e74\u3068\u304b10\u5e74\u3057\u3066\u304b\u3089\u5143\u672c\u304c\u8fd4\u3063\u3066\u304f\u308b\u3068\u3044\u3046\u306e\u306f\u3001\u3044\u3063\u3066\u307f\u308c\u3070\u5229\u5b50\u30bc\u30ed\u306e\u8caf\u91d1\u53e3\u5ea7\u306b\u8caf\u91d1\u3057\u3066\u3044\u308b\u306e\u3068\u540c\u3058\u3053\u3068\u3067\u3059\u304b\u3089\u3001\u5168\u304f\u559c\u3076\u3079\u304d\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u4f59\u5206\u306a\u304a\u91d1\u3092\u6255\u3063\u3066\u3053\u306e\u3088\u3046\u306a\u4fdd\u8a3c\u3092\u8cb7\u3046\u306e\u306a\u3089\u3001\u305d\u3082\u305d\u3082\u3053\u306e\u3088\u3046\u306a\u4fdd\u8a3c\u304c\u4e0d\u8981\u306a\u72b6\u614b\u3092\u4f5c\u308a\u51fa\u3057\u305f\u307b\u3046\u304c\u5f97\u7b56\u3068\u3082\u3044\u3048\u307e\u3059\uff08\u5f8c\u8ff0\uff09\u3002<\/p>\n<p>&nbsp;<\/p>\n<h2>Guaranteed Minimum Withdrawal Benefit\u00a0\uff08GMWB\uff09<\/h2>\n<p>\u3053\u3061\u3089\u3082\u5143\u672c\u4fdd\u8a3c\u306e\u30e9\u30a4\u30c0\u30fc\u3067\u3001\u6295\u8cc7\u306e\u640d\u5931\u304c\u3067\u3066\u53e3\u5ea7\u6b8b\u9ad8\u304c\u6e1b\u3063\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3067\u3082\u3001\u6700\u4f4e\u9650\u3001\u6255\u8fbc\u5206\u3060\u3051\u306f\u30ea\u30ab\u30d0\u30fc\u3067\u304d\u308b\u4fdd\u8a3c\u3092\u3057\u307e\u3059\u3002\u305f\u3060\u4e00\u5ea6\u306b\u4fdd\u8a3c\u984d\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u306f\u3067\u304d\u306a\u3044\u3067\u3001\u4e00\u5e74\u3054\u3068\u306b\u4fdd\u8a3c\u984d\u306e\uff15~\uff17\uff05\u306a\u3069\u3068\u3044\u3046\u5272\u5408\u3092\u3001\u5408\u8a08\u306e\u5f15\u304d\u51fa\u3057\u984d\u304c\u4fdd\u8a3c\u984d\u306b\u9054\u3059\u308b\u307e\u3067\u3001\u6bce\u5e74\u5f15\u304d\u51fa\u3057\u7d9a\u3051\u3089\u308c\u308b\u3068\u3044\u3046\u3057\u304f\u307f\u3067\u3059\u3002\u6700\u8fd1\u3067\u306f\u3001\u30b9\u30c6\u30c3\u30d7\u30a2\u30c3\u30d7\u65b9\u5f0f\u304c\u5c0e\u5165\u3055\u308c\u3001\u6295\u8cc7\u6210\u679c\u304c\u51fa\u305f\u5834\u5408\u306b\u306f\u305d\u308c\u306b\u5fdc\u3058\u3066\u4fdd\u8a3c\u984d\u304c\u4e0a\u304c\u3063\u3066\u3044\u304d\u3001\u3088\u308a\u9ad8\u3044\u984d\u306b\u30ed\u30c3\u30af\u3055\u308c\u3066\u3044\u304f\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002\u3053\u306e\u4fdd\u8a3c\u984d\uff08Minimum Withdrawal Base\u306a\u3069\u3068\u547c\u3070\u308c\u308b\uff09\u306f\u3001Cash Value\u3068\u306f\u7570\u306a\u308a\u307e\u3059\u3002\u30eb\u30fc\u30eb\u306b\u5f93\u3063\u3066Withdraw\u3059\u308b\u5834\u5408\u306b\u3001\u8a08\u7b97\u306e\u30d9\u30fc\u30b9\u3068\u306a\u308b\u91d1\u984d\u3067\u3042\u3063\u3066\u3001Cash Value\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002Cash Value\u304c\u4fdd\u8a3c\u3055\u308c\u3001\u5e74\u3005\u6210\u9577\u3057\u3066\u3044\u304f\u3068\u8aa4\u89e3\u3092\u3055\u308c\u307e\u305b\u3093\u3088\u3046\u306b\u3002<\/p>\n<p>\u5f15\u304d\u51fa\u3057\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5e74\u91d1\u3092\u3082\u3089\u3046\u306e\u3068\u306f\u610f\u5473\u5408\u3044\u304c\u9055\u3044\u307e\u3059\u3002\u3044\u3063\u305f\u3093\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5e74\u91d1\u306e\u53d7\u7d66\u3092\u958b\u59cb\u3057\u305f\u3089\u3001\u6295\u8cc7\u53e3\u5ea7\u306f\u306a\u304f\u306a\u308a\u3001\u5951\u7d04\u8005\u306f\u5e74\u91d1\u3092\u3082\u3089\u3046\u3060\u3051\u306b\u306a\u308a\u307e\u3059\u3002\u3053\u306e\u30e9\u30a4\u30c0\u30fc\u3092\u8cb7\u3048\u3070\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5e74\u91d1\u53d7\u7d66\u3092\u958b\u59cb\u3059\u308b\u3053\u3068\u306a\u304f\u3001\u5e74\u3005\u4e00\u5b9a\u984d\u3092\u300c\u5f15\u304d\u51fa\u3059\u300d\u3053\u3068\u304c\u53ef\u80fd\u306b\u306a\u308a\u3001\u540c\u6642\u306b\u6295\u8cc7\u53e3\u5ea7\u3067\u306f\u6295\u8cc7\u3092\u7d9a\u884c\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u305f\u3060\u3001\u4eba\u751f\u306e\u305d\u306e\u30d5\u30a7\u30fc\u30b9\u3067\u6295\u8cc7\u3092\u7d9a\u884c\u3067\u304d\u308b\u3053\u3068\u304c\u3069\u308c\u3060\u3051\u4fa1\u5024\u304c\u3042\u308b\u3053\u3068\u304b\u306f\u3001\u3088\u304f\u541f\u5473\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u53cd\u5bfe\u306b\u8a00\u3048\u3070\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u53d7\u7d66\u3092\u5ff5\u982d\u306b\u5951\u7d04\u3059\u308b\u306e\u3067\u306f\u308c\u3070\u3001\u3053\u306e\u30e9\u30a4\u30c0\u30fc\u306f\u4fa1\u5024\u304c\u306a\u3044\u3068\u3082\u3044\u3048\u307e\u3059\u3002<\/p>\n<h2>Guaranteed Lifetime Withdrawal Benefit\u00a0\uff08GLWB\uff09<\/h2>\n<p>\u3053\u3061\u3089\u306f\u4e0a\u8a18\u306e\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u3067\u3001\u305f\u3068\u3048\u6295\u8cc7\u306e\u640d\u5931\u304c\u3067\u3066\u53e3\u5ea7\u6b8b\u9ad8\u304c\u6e1b\u3063\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3067\u3082\u3001<u>\u4e00\u751f\u6daf<\/u>\u4e00\u5b9a\u984d\uff08\u4fdd\u8a3c\u984d\u306e\uff12~\uff18\uff05\u306a\u3069\uff09\u3092\u3082\u3089\u3044\u7d9a\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3068\u3044\u3046\u4fdd\u8a3c\u3067\u3059\u3002<\/p>\n<p>\u3053\u308c\u3089GMWB\u3084GLWB\u306e\u4fdd\u8a3c\u3055\u308c\u305f Withdrawal\u3000Benefit\u306b\u3064\u3044\u3066\u3067\u3059\u304c\u3001\u5e74\u3005\u5f15\u304d\u51fa\u305b\u308b\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u304c\u56fa\u5b9a\u3055\u308c\u3066\u304a\u308a\u3001\u305d\u308c\u4ee5\u4e0a\u306f\u5f15\u304d\u51fa\u305b\u306a\u3044\u3088\u3046\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u591a\u304f\u306e\u5c02\u9580\u5bb6\u304c\u6570\u7684\u5206\u6790\u3092\u3057\u3066\u5224\u660e\u3057\u3066\u3044\u308b\u3053\u3068\u306f\u3001\u3053\u306e\u5f15\u304d\u51fa\u3057\u984d\u304c\u3042\u308b\u7a0b\u5ea6\u4f4e\u3081\u306b\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u306e\u3067\u3001\u5f15\u304d\u51fa\u3057\u59cb\u3081\u3066\u6700\u521d\u306e\u3046\u3061\u306f\u5358\u306b\u81ea\u5206\u306e\u4fdd\u8a3c\u306a\u3057\u306e\u5834\u5408\u306eCash Value\u3092\u5f15\u304d\u51fa\u3057\u3066\u3044\u308b\u3060\u3051\u3067\u3001\u305d\u306e\u3046\u3061Cash Value\u3092\u3059\u3079\u3066\u5f15\u304d\u51fa\u3057\u3066\u3057\u307e\u3063\u305f\u6642\u70b9\u3067\u3001Cash Value\u4ee5\u4e0a\u306b\u4fdd\u8a3c\u3057\u3066\u3082\u3089\u3063\u3066\u3044\u308b\u90e8\u5206\u3092\u5f15\u304d\u51fa\u3059\u3053\u3068\u306b\u306a\u308b\u306e\u3067\u3059\u304c\u3001\u305d\u308c\u306f\u8a08\u7b97\u4e0a80\u6b73\u5f8c\u534a\u304b\u308990\u6b73\u524d\u534a\u306b\u306a\u308b\u30b1\u30fc\u30b9\u304c\u591a\u304f\u3001\u304b\u306a\u308a\u9577\u751f\u304d\u3057\u306a\u3044\u3068\u3053\u306e\u4fdd\u8a3c\u306e\u30d9\u30cd\u30d5\u30a3\u30c3\u30c8\u304c\u306a\u3044\u3068\u3044\u3046\u3053\u3068\u3067\u3059\u3002\u305d\u3046\u3067\u3042\u308b\u306a\u3089\u3001\u306a\u306b\u3082\u8907\u96d1\u306a\u4fdd\u8a3c\u3092\u304a\u91d1\u3092\u3060\u3057\u3066\u8cb7\u308f\u305a\u3001\u6700\u521d\u304b\u3089\u3088\u304f\u8a08\u753b\u3055\u308c\u305f\u30b7\u30f3\u30d7\u30eb\u306a\u30e9\u30a4\u30c0\u30fc\u306a\u3057\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3092\u8cb7\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u6c17\u304c\u3057\u307e\u3059\u3002<\/p>\n<p>&nbsp;<\/p>\n<h1>Simple is the best<\/h1>\n<p>&nbsp;<\/p>\n<p>\u3069\u3046\u3067\u3057\u3087\u3046\u3001\u3044\u308d\u3044\u308d\u3042\u3063\u3066\u982d\u304c\u304a\u304b\u3057\u304f\u306a\u308a\u307e\u3059\u306d\u3002\u3069\u308c\u304c\u5fc5\u8981\u304b\u3068\u8a00\u308f\u308c\u3066\u3082\u6574\u7406\u304c\u3064\u304b\u306a\u3044\u3053\u3068\u3082\u3042\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u6700\u3082\u7c21\u5358\u306a\u65b9\u6cd5\u306f\u3001\u91d1\u878d\u5546\u54c1\u3092\u8cb7\u3046\u6642\u306b\u3001\u3072\u3068\u3064\u306e\u5546\u54c1\u3067\u591a\u304f\u306e\u6a5f\u80fd\u3092\u517c\u306d\u3088\u3046\u3068\u305b\u305a\u3001\u3072\u3068\u3064\u306e\u76ee\u7684\u306b\u3072\u3068\u3064\u306e\u5546\u54c1\u3092\u8cb7\u3046\u3053\u3068\u3067\u3059\u3002\u305f\u3068\u3048\u3070\u3001\u4e00\u756a\u4e0a\u306eGMDB\u304c\u5fc5\u8981\u3060\u3068\u601d\u3046\u306e\u306a\u3089\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u5b9f\u73fe\u305b\u305a\u3001\u5fc5\u8981\u306a\u671f\u9593\u5fc5\u8981\u306a\u56fa\u5b9a\u984d\u306e\u751f\u547d\u4fdd\u967a\u3092\u5225\u306b\u8cb7\u3044\u307e\u3059\uff08Term Life\uff09\u3002\u6295\u8cc7\u306e\u640d\u5931\u304c\u6c17\u306b\u306a\u308b\u306e\u306a\u3089\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3067\u306f\u6295\u8cc7\u306f\u3057\u306a\u3044\u3053\u3068\u306b\u3057\u3001\u6295\u8cc7\u306f\u5225\u53e3\u5ea7\u3067\u304d\u3061\u3093\u3068\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u3092\u7d44\u307f\u3001\u81ea\u5206\u306e\u8a31\u5bb9\u30ea\u30b9\u30af\u3067\u8a08\u753b\u7684\u306b\u884c\u3046\u3053\u3068\u3067\u3001\u6295\u8cc7\u30ed\u30b9\u306b\u5bfe\u3059\u308b\u30e9\u30a4\u30c0\u30fc\u3092\u308f\u3056\u308f\u3056\u304a\u91d1\u3092\u6255\u3063\u3066\u8cb7\u3046\u5fc5\u8981\u304c\u306a\u304f\u306a\u308a\u307e\u3059\u3002\u307e\u305fWithdrawal(\u5f15\u304d\u51fa\u3057)\u304c\u5fc5\u8981\u306a\u304a\u91d1\u306f\u3001\u305d\u3082\u305d\u3082\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306b\u306f\u5165\u308c\u305a\u3001\u63db\u91d1\u6027\u306e\u78ba\u4fdd\u3067\u304d\u308b\u6295\u8cc7\u53e3\u5ea7\u3084\u8caf\u84c4\u53e3\u5ea7\u306b\u5165\u308c\u308b\u3053\u3068\u3067\u5f15\u304d\u51fa\u3057\u306f\u81ea\u7531\u306b\u3067\u304d\u308b\u74b0\u5883\u3092\u3064\u304f\u3063\u3066\u304a\u3051\u3070\u3001GMWB\u3084GLWB\u3082\u8003\u616e\u3057\u306a\u304f\u3066\u3088\u304f\u306a\u308b\u3067\u3057\u3087\u3046\u3002\u305d\u3057\u3066\u3001\u6708\u3005\u305a\u3063\u3068\u7d9a\u304f\u5e74\u91d1\u304c\u5fc5\u8981\u306a\u3089\u3070\u3001\u5358\u306b\u56fa\u5b9a\u984d\u3092\u4fdd\u8a3c\u3059\u308b\u56fa\u5b9a\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff08Fixed Annuity\uff09\u3092\u30b7\u30f3\u30d7\u30eb\u306b\u6301\u3066\u3070\u3001\u3044\u304f\u3089\u5c06\u6765\u3082\u3089\u3048\u308b\u304b\u304c\u6700\u521d\u304b\u3089\u306f\u3063\u304d\u308a\u3057\u3001\u6700\u5f8c\u307e\u3067\u5909\u308f\u308b\u3053\u3068\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u51b7\u8535\u5eab\u3092\u30af\u30fc\u30e9\u30fc\u306e\u3088\u3046\u306b\u4f7f\u3063\u305f\u308a\u3001\u3042\u308b\u3044\u306f\u3061\u3087\u3063\u3068\u7121\u7406\u3057\u3066\u4e7e\u71e5\u6a5f\u3068\u3057\u3066\u4f7f\u304a\u3046\u3068\u3057\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u8907\u96d1\u306a\u5546\u54c1\u306b\u3046\u3093\u3056\u308a\u3059\u308b\u65b9\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u672c\u6765\u306e\u4f7f\u3044\u304b\u305f\uff08\u56fa\u5b9a\u984d\u306e\u5e74\u91d1\u5316\uff09\u306b\u5fb9\u3059\u308b\u306e\u304c\u6700\u3082\u30b7\u30f3\u30d7\u30eb\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\uff08\u5e74\u91d1\u4fdd\u967a\uff09\u3092\u6301\u3063\u3066\u3044\u3089\u3063\u3057\u3083\u308b\u65b9\u3084\u4eca\u8cfc\u5165\u3092\u304a\u8003\u3048\u306e\u65b9\u306a\u3089\u3001\u3054\u89a7\u306b\u306a\u3063\u305f\u3053\u3068\u304c\u3042\u308b\u3067\u3057\u3087\u3046\u3002\u4f3c\u305f\u3088\u3046\u306a\u30a2\u30eb\u30d5\u30a1\u30d9\u30c3\u30c8\u304c\u4e26\u30764\u6587\u5b57\u306e\u77ed\u7e2e\u8a9e\u3002GMDB\u3001GMIB\u3001GMAB\u3001GMWB\u3001GLWB\u306a\u3069\u306a\u3069\u3002\u5546\u54c1\u8aac\u660e\u306e\u30d1\u30f3\u30d5\u30ec\u30c3\u30c8\u306e\u4e2d\u306b\u3053\u308c\u3089\u306e\u8a00\u8449\u304c\u73fe\u308c\u308b\u5834\u5408\u306a\u3089\u3001\u306f\u3059\u3070\u3089\u3057\u3044\u7279\u5178\u3092\u7d04\u675f\u3059\u308b\u30de\u30b8\u30c3\u30af\u30ef\u30fc\u30c9\u306e\u3088\u3046\u306b\u7d39\u4ecb\u3055\u308c\u3066\u3044\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002Fine\u3000print\u3068\u547c\u3070\u308c\u308b\u30d1\u30f3\u30d5\u30ec\u30c3\u30c8\u306e\u4e0b\u306e\u65b9\u306b\u6dfb\u3048\u3089\u308c\u3066\u3044\u308b\u6975\u5c0f\u6587\u5b57\u3067\u306e\u8aac\u660e\u3084\u3001\u3042\u308b\u3044\u306f\u5951\u7d04\u66f8\u306e\u4e2d\u306e\u8aac\u660e\u6587\u306b\u4f7f\u308f\u308c\u3066\u3044\u308b\u5834\u5408\u306f\u3001\u306a\u3093\u3069\u305d\u306e\u8aac\u660e\u3092\u8aad\u3093\u3067\u3082\u7406\u89e3\u304c\u3067\u304d\u306a\u3044\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u4eca\u65e5\u306f\u3001\u3061\u3087\u3063\u3068\u9b45\u529b\u7684\u306a\u3088\u3046\u306a\u96e3\u89e3\u306a\u3088\u3046\u306a\u3001\u3053\u306e4\u6587\u5b57\u306e\u77ed\u7e2e\u8a9e\u306b\u3064\u3044\u3066\u8abf\u3079\u3066\u307f\u307e\u3059\u3002<\/p>\n","protected":false},"author":1,"featured_media":4009,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false},"version":2}},"categories":[36,54,38],"tags":[42,45,58],"class_list":["post-3870","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investment","category-life-insurance","category-retirement","tag-choosing-insurance","tag-fighting-as-consumer","tag-smart-shopping"],"jetpack_publicize_connections":[],"modified_by":"admin","jetpack_featured_media_url":"https:\/\/i0.wp.com\/smartandresponsible.com\/blog\/wp-content\/uploads\/2017\/06\/SP-parent-child-hand.jpeg?fit=525%2C350&ssl=1","jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/p1OwA5-10q","jetpack-related-posts":[],"_links":{"self":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3870","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/comments?post=3870"}],"version-history":[{"count":2,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3870\/revisions"}],"predecessor-version":[{"id":4120,"href":"https:\/\/smartandresponsible.com\/blog\/wp-json\/wp\/v2\/posts\/3870\/revisions\/4120"}],"wp:featuredmedia":[{"embeddable":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