\u904e\u53bb2\u56de\u3067\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5b58\u5728\u610f\u7fa9\u306f\u751f\u6daf\u5e74\u91d1\u306e\u78ba\u4fdd\u3067\u3042\u308a\u3001\u3053\u306e\u30cb\u30fc\u30ba\u304c\u306f\u3063\u304d\u308a\u3057\u3066\u3044\u308b\u3068\u304d\u3053\u305d\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u8cfc\u5165\u3092\u8003\u3048\u308b\u3079\u304d\u3067\u3042\u308b\u3053\u3068\u3001\u526f\u6b21\u7684\u30cb\u30fc\u30ba\u3068\u91d1\u878d\u5546\u54c1\u306e\u304a\u307e\u3051\u7684\u5f79\u5272\u306b\u307e\u3069\u308f\u3055\u308c\u3066\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u691c\u8a0e\u3092\u3057\u306a\u3044\u307b\u3046\u304c\u8ce2\u660e\u3067\u3042\u308b\u3053\u3068\u3001\u8001\u5f8c\u306e\u8cc7\u91d1\u6e96\u5099\u306e\u904b\u7528\u306f\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u4e2d\u3067\u306a\u304f\u3001\u4f4e\u624b\u6570\u6599\u306e\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30d5\u30a1\u30f3\u30c9\u306a\u3069\u3067\u52b9\u7387\u3088\u304f\u884c\u3063\u305f\u307b\u3046\u304c\u3088\u3044\u5834\u5408\u304c\u591a\u3044\u3053\u3068\u3092\u66f8\u304d\u307e\u3057\u305f\u3002\u4eca\u56de\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u7279\u5178\u3068\u3057\u3066\u3088\u304f\u8a9e\u3089\u308c\u308b\u3001\u5e02\u5834\u304c\u5024\u4e0b\u304c\u308a\u3057\u306a\u3044\u3067\u3082\u6e1b\u3089\u306a\u3044\u3001\u7740\u5b9f\u306b\u4f38\u3073\u3066\u3044\u304f\u6295\u8cc7\u3068\u3044\u3046\u8981\u7d20\u306b\u3064\u3044\u3066\u8003\u3048\u3066\u307f\u307e\u3059\u3002<\/p>\n
<\/p>\n
<\/p>\n
Variable Annuity\u306e\u30de\u30fc\u30b1\u30c6\u30a3\u30f3\u30b0\u30ad\u30e3\u30c3\u30c1\u3067\u3059\u304c\u3001\u5024\u4e0a\u304c\u308a\u306f\u4eab\u53d7\u3057\u306a\u304c\u3089\u3082\u3001\u5024\u4e0b\u304c\u308a\u306e\u5371\u967a\u306f\u306a\u3044\u30fb\u30fb\u30fb\u3002\u3068\u3044\u3046\u3053\u3068\u306f\u5bdd\u4e0b\u304c\u3063\u305f\u6642\u306e\u30ea\u30b9\u30af\u306f\u8ab0\u304c\u8ca0\u3063\u3066\u304f\u308c\u308b\u306e\u3067\u3057\u3087\u3046\uff1f\u4fdd\u967a\u4f1a\u793e\u3067\u3059\u306d\u3002\u305d\u3093\u306a\u304a\u3044\u3057\u3044\u8a71\u304c\u3042\u308a\u307e\u3059\u304b\uff1f\u306a\u3044\u3067\u3057\u3087\u3046\u3002\u4fdd\u967a\u4f1a\u793e\u306f\u30c1\u30e3\u30ea\u30c6\u30a3\u3067\u3053\u308c\u3092\u3084\u3063\u3066\u304f\u308c\u308b\u306e\u3067\u3057\u3087\u3046\u304b\uff1f\u305d\u3093\u306a\u308f\u3051\u3042\u308a\u307e\u305b\u3093\u306d\u3002\u3053\u3053\u306b\u306f\u4fdd\u967a\u4f1a\u793e\u3078\u306e\u5229\u76ca\u304c\u3057\u3063\u304b\u308a\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u3044\u308d\u3044\u308d\u306a\u5f62\u3067\u4fdd\u967a\u4f1a\u793e\u304c\u640d\u3092\u3057\u306a\u3044\u3088\u3046\u306a\u3057\u304f\u307f\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u3046\u3067\u306a\u3051\u308c\u3070\u3001\u3053\u308c\u3092\u5927\u3005\u7684\u306b\u5ba3\u4f1d\u3057\u3066\u58f2\u3089\u306a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n
\u5148\u306b\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u696d\u754c\u5e73\u5747\u624b\u6570\u6599\u306f2.27\uff05\u3068\u66f8\u304d\u307e\u3057\u305f\u304c\u3001\u3053\u306e\u6570\u5b57\u306f\u300c\u5024\u4e0b\u304c\u308a\u3057\u3066\u3082\u5927\u4e08\u592b\u306a\u6295\u8cc7\u300d\u306e\u305f\u3081\u306e\u8ffd\u52a0\u6599\u91d1\u306f\u542b\u307e\u308c\u3066\u3044\u307e\u305b\u3093\u3002\u300c\u5024\u4e0b\u304c\u308a\u3057\u3066\u3082\u5927\u4e08\u592b\u306a\u6295\u8cc7\u300d\u306f\u524d\u56de\u8a18\u4e8b\u3067\u66f8\u3044\u305fGMIB\uff08Guaranteed Minimum Income Base\uff09\u3068\u304bGMWB\uff08Guaranteed Minimum Withdrawal Base\uff09\u3068\u304b\u306e\u7279\u7d04\uff08\u30e9\u30a4\u30c0\u30fc\uff09\u3092\u3064\u3051\u3066\u306f\u3058\u3081\u3066ON\u306b\u306a\u308b\u3082\u306e\u3067\u3059\u304c\u3001\u3053\u308c\u3089\u306e\u30e9\u30a4\u30c0\u30fc\u306f\u3055\u3089\u306b\u624b\u6570\u6599\u304c\u304b\u304b\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u305f\u3060\u3001\u3053\u308c\u3089\u306e\u624b\u6570\u6599\u3092\u6255\u3063\u3066\u3067\u3082\u3001\u7d76\u5bfe\u6e1b\u308b\u3053\u3068\u306f\u306a\u304f\u5897\u3048\u308b\u3068\u3053\u308d\u3060\u3051\u4eab\u53d7\u3067\u304d\u308b\u306e\u3067\u3042\u308c\u3070\u305d\u308c\u306a\u308a\u306e\u4fa1\u5024\u304c\u3042\u308b\u304b\u3082\u3068\u3044\u3046\u6c17\u306b\u306a\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002\u3057\u304b\u3057\u306a\u304c\u3089\u3001\u3088\u304f\u898b\u3066\u3044\u304f\u3068\u3001\u4fa1\u5024\u304c\u3042\u308b\u5834\u5408\u304c\u5168\u304f\u306a\u3044\u3068\u306f\u3044\u3048\u306a\u3044\u304c\u3001\u305d\u3046\u3067\u306a\u3044\u5834\u5408\u306e\u307b\u3046\u304c\u65ad\u7136\u591a\u3044\u3068\u3044\u3046\u306e\u304c\u73fe\u5b9f\u3060\u3068\u601d\u3044\u307e\u3059\u3002<\/p>\n
<\/p>\n
<\/p>\n
\u3053\u3053\u306f\u300c\u8ced\u3051\u300d\u3067\u3059\u3002\u305d\u3082\u305d\u3082\u4fdd\u967a\u306f\u4e00\u7a2e\u306e\u300c\u8ced\u3051\u300d\u3067\u3059\u306d\u3002\u4fdd\u967a\u306f\u3001\u4f7f\u3046\u3053\u3068\u304c\u3042\u308c\u3070\u5927\u304d\u304f\u5f97\u3092\u3059\u308b\u304c\u3001\u4f7f\u3046\u3053\u3068\u304c\u306a\u3051\u308c\u3070\u640d\u3092\u3059\u308b\u3082\u306e\u3067\u3059\u3002\u3069\u306e\u304f\u3089\u3044\u306e\u4fdd\u967a\u6599\u3092\u3068\u308c\u3070\u3001\u4f1a\u793e\u304c\u3064\u3076\u308c\u308b\u3053\u3068\u306a\u304f\u3053\u306e\u300c\u8ced\u3051\u300d\u3067\u3046\u307e\u304f\u5229\u76ca\u3092\u51fa\u3057\u3066\u3044\u3051\u308b\u304b\u306f\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u5f97\u610f\u3068\u3059\u308b\u8a08\u7b97\u3067\u3059\u3002\u79c1\u306f\u3001Variable Annuity\u306e\u5834\u5408\u3001\u3053\u306e\u300c\u8ced\u3051\u300d\u304c\u5927\u304d\u304f\u4fdd\u967a\u4f1a\u793e\u306b\u6709\u5229\u306a\u3088\u3046\u306b\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3068\u8003\u3048\u307e\u3059\u3002\u5148\u307b\u3069\u306e\u3001\u9ad8\u3044\u30bb\u30fc\u30eb\u30b9\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\uff08Variable Annuity\u306e\u307b\u3046\u304cFixed Annuity\u3088\u308a\u30b3\u30df\u30c3\u30b7\u30e7\u30f3\u304c\u9ad8\u3044\uff09\u306b\u3082\u8868\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n
\u4fdd\u967a\u306b\u3088\u308b\u300c\u8ced\u3051\u300d\u306f\u3001\u751f\u547d\u4fdd\u967a\u306e\u3088\u3046\u306b\u3001\u6b7b\u4ea1\u3057\u306a\u3051\u308c\u3070\u751f\u547d\u4fdd\u967a\u6599\u306f\u300c\u640d\u300d\u3059\u308b\u304c\u3001\u3067\u3082\u3082\u3057\u6b7b\u4ea1\u3059\u308c\u3070\u5927\u304d\u306a\u88dc\u511f\u304c\u5f97\u3089\u308c\u308b\u3068\u3044\u3046\u3088\u3046\u306a\u5834\u5408\u3001\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u6709\u610f\u7fa9\u306a\u3082\u306e\u3067\u3059\u3002\u5c0f\u3055\u306a\u639b\u3051\u91d1\u3067\u5927\u304d\u306a\u88dc\u511f\u3092\u8cb7\u3046\u308f\u3051\u3067\u3059\u3002\u6d88\u8cbb\u8005\u306f\u6255\u3046\u4fdd\u967a\u6599\u3068\u5f97\u308b\u88dc\u511f\u3068\u3092\u6bd4\u3079\u3066\u691c\u8a0e\u3057\u305f\u308a\u3001\u307e\u305f\u3044\u304f\u3064\u304b\u306e\u751f\u547d\u4fdd\u967a\u3092\u6bd4\u3079\u3066\u540c\u3058\u88dc\u511f\u306b\u5bfe\u3057\u3066\u3001\u5404\u793e\u306e\u4fdd\u967a\u6599\u306e\u9055\u3044\u3092\u6bd4\u8f03\u3057\u305f\u308a\u3067\u3001\u3069\u306e\u5546\u54c1\u304c\u3088\u3044\u304b\u3092\u9078\u3076\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002\u3068\u3053\u308d\u304c\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u5834\u5408\u3001\u3053\u306e\u6bd4\u8f03\u691c\u8a0e\u304c\u975e\u5e38\u306b\u96e3\u3057\u3044\u3067\u3059\u3002\u305d\u3082\u305d\u3082\u4f55\u304c\u6255\u3046\u6599\u91d1\u3067\u3001\u4f55\u304c\u5f97\u308b\u88dc\u511f\u306a\u306e\u304b\u304c\u3088\u304f\u5224\u65ad\u3067\u304d\u307e\u305b\u3093\u3002\u307e\u305f\u3001\u3042\u307e\u308a\u306b\u8907\u96d1\u306a\u5546\u54c1\uff08\u5546\u54c1\u3054\u3068\u306b\u3055\u307e\u3056\u307e\u306a\u30d0\u30ea\u30a8\u30fc\u30b7\u30e7\u30f3\u304c\u3042\u308b\uff09\u304c\u591a\u304f\u3001A\u793e\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u3068B\u793e\u306e\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u306e\u3069\u3061\u3089\u304c\u3088\u3044\u304b\u3068\u3044\u3046\u6bd4\u8f03\u306f\u3001\u79c1\u306e\u3088\u3046\u306b\u30d5\u30a1\u30a4\u30ca\u30b9\u3092\u751f\u696d\u306b\u3057\u3066\u3044\u308b\u8005\u306b\u3068\u3063\u3066\u3082\u307b\u3068\u3093\u3069\u7121\u7406\u3067\u3059\u3002<\/p>\n
\u3053\u306e\u8907\u96d1\u3055\u306b\u306f\u610f\u5473\u304c\u3042\u308a\u3001\u3044\u3063\u3066\u307f\u308c\u3070\u4fdd\u967a\u4f1a\u793e\u306b\u6709\u5229\u306a\u3088\u3046\u306b\u6d88\u8cbb\u8005\u3092\u7159\u306b\u5dfb\u304f\u52b9\u679c\u304c\u3042\u308b\u3068\u8003\u3048\u307e\u3059\u3002\u305f\u3068\u3048\u3070GMIB(Guaranteed Minimum Income Benefit)\u3068\u304bGMWB(Guaranteed Minimum Withdrawal Base)\u3067\u3001Income Base\uff08\u3042\u308b\u3044\u306fWithdrawal Base\uff09\u306f\u7d76\u5bfe\u4e0b\u304c\u308a\u307e\u305b\u3093\u304c\u3001\u6295\u8cc7\u306e\u7d50\u679c\u6b21\u7b2c\u3067\u4e0a\u304c\u308a\u307e\u3059\u30fb\u30fb\u3068\u304b\u3001\u6bce\u5e74\u7740\u5b9f\u306b\uff15\uff05\u305a\u3064\u4f38\u3073\u3066\u3044\u304d\u307e\u3059\u30fb\u30fb\u3068\u3044\u3046\u3046\u305f\u3044\u6587\u53e5\u306b\u3064\u3044\u3066\u307f\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n
<\/p>\n
\u6d88\u8cbb\u8005\u306f\u307e\u308b\u3067\u53e3\u5ea7\u6b8b\u9ad8\uff08\u73fe\u91d1\u4fa1\u5024\uff09\u304c\uff15\uff05\u305a\u3064\u4f38\u3073\u3066\u3044\u304f\u306a\u3093\u3066\u306a\u3093\u3068\u3088\u3044\u30c7\u30a3\u30fc\u30eb\uff01\u3068\u601d\u3046\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\uff15\uff05\u4f38\u3073\u3066\u3044\u304f\u306e\u306f\u3042\u304f\u307e\u3067\u3042\u308b\u610f\u5473\u67b6\u7a7a\u306e\u201cBase\u91d1\u984d\u201d\u3067\u3059\u3002\u3053\u308c\u306f\u3001\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5316\uff08\u5e74\u91d1\u53d7\u7d66\u306e\u958b\u59cb\uff09\u3084Withdraw\u958b\u59cb\uff08\u5f15\u304d\u51fa\u3057\u958b\u59cb\uff09\u306e\u6642\u70b9\u3067\u3001\u3044\u304f\u3089\u3082\u3089\u3048\u308b\/\u5f15\u304d\u51fa\u305b\u308b\u304b\u306e\u8a08\u7b97\u306e\u300c\u30d9\u30fc\u30b9\u300d\u3068\u306a\u308b\u91d1\u984d\u3067\u3042\u308a\u3001\u3053\u306e\u91d1\u984d\u304c\u307e\u308b\u307e\u308b\u81ea\u5206\u306e\u3082\u306e\u3068\u3044\u3046\u308f\u3051\u3067\u306f\u306a\u3044\uff08\u3053\u308c\u306b\u5bfe\u3057\u53e3\u5ea7\u6b8b\u9ad8\u306f\u81ea\u5206\u306e\u3082\u306e\uff09\u306e\u3067\u3059\u3002\u8a08\u7b97\u306f\u3053\u3093\u306a\u611f\u3058\u3067\u3059\u3002<\/p>\n
STEP1\uff1a\u3000Income Base\/Withdrawal\u3000Base\u306fGuarantee\u3067\u7d04\u675f\u3055\u308c\u305f\u30d1\u30fc\u30bb\u30f3\u30c6\u30fc\u30b8\u3084\u30eb\u30fc\u30eb\u3067\u6c7a\u3057\u3066\u6e1b\u308b\u3053\u3068\u306a\u304f\u7740\u5b9f\u306b\u6210\u9577\u3057\u3066\u3044\u304f<\/p>\n
STEP2\uff1a\u3000\u30a2\u30cb\u30e5\u30a4\u30c6\u30a3\u5316\u3042\u308b\u3044\u306f\u5f15\u304d\u51fa\u3057\u3092\u958b\u59cb\u3059\u308b\u3068\u304d\u306b\u306f\u3001\u3069\u308c\u3060\u3051\u5e74\u91d1\u304c\u3082\u3089\u3048\u308b\u304b\/\u5f15\u304d\u51fa\u305b\u308b\u304b\u3092\u6b21\u306e\u3088\u3046\u306b\u8a08\u7b97<\/p>\n
Base\u91d1\u984d\u3000\uff58\u3000\u4fc2\u6570\u3000\uff1d\u3000\u3082\u3089\u3048\u308b\/\u5f15\u304d\u51fa\u305b\u308b\u91d1\u984d<\/p>\n
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Withdrawal\u306e\u5834\u5408\u3060\u3068\u5e74\u95934.5%\u307e\u3067\u306a\u3069\u306e\u3088\u3046\u306b\u30b7\u30f3\u30d7\u30eb\u306a\u4fc2\u6570\u304c\u8a2d\u5b9a\u3055\u308c\u3066\u3044\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002\u6bce\u5e74\u6bce\u5e744.5\uff05\u5f15\u304d\u51fa\u305b\u308b\u306e\u306f\u9b45\u529b\u3068\u3082\u601d\u3048\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u304c\u3001\u30b7\u30e5\u30df\u30ec\u30fc\u30b7\u30e7\u30f3\u3057\u3066\u307f\u308b\u3068\u3001\u6700\u521d\u306e15~20\u5e74\u9593\uff0870\u6b73\u3067\u958b\u59cb\u3059\u308c\u307085~90\u6b73\u307e\u3067\uff09\u306f\u81ea\u5206\u306e\u5143\u91d1\u76f8\u5f53\u984d\u3092\u5f15\u304d\u51fa\u3059\u3060\u3051\u3001\u305d\u308c\u3092\u8d85\u3048\u3066\u306f\u3058\u3081\u3066\u3001\u5229\u56de\u308a\u306e\u90e8\u5206\u304b\u3089\u306e\u5f15\u304d\u51fa\u3057\u984d\u306a\u308b\u3068\u3044\u3046\u8a08\u7b97\u306b\u306a\u308b\u30b1\u30fc\u30b9\u304c\u591a\u3044\u3088\u3046\u3067\u3059\u3002\u305d\u3082\u305d\u3082Base\u91d1\u984d\u306f\u8a08\u7b97\u306b\u4f7f\u308f\u308c\u308b\u3060\u3051\u3067\u3001\u3053\u306e\u91d1\u984d\u304c\u4e00\u5ea6\u306b\u3082\u3089\u3048\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002<\/p>\n
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<\/p>\n
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