家計改善のため、
保険を見直します。
Insurance is reviewed to improve household finances.
いざ、節約。
Now, the savings.
目次
バイブルはこの本 The bible is this book
リベラルアーツ大学「お金の大学」です。
The College of Liberal Arts, The College of Money.
この本からすべてが始まりました。
It all started with this book.
この本を読んでから
保険会社の個人年金を解約し、
さらに携帯料金の見直しをして、
月３０００円の節約に成功しました。
After reading this book, I cancelled my private annuity with my insurance company.
In addition, I reviewed my cell phone bill and saved $3,000/month.
ついに保険に手を出します。
Finally, I’m considering an insurance review.
保険見直しポイント Insurance review points
保険を見直すポイントはリストアップします。
The points to review insurance will be listed.
・掛け捨て生命保険を選ぶ
・Selecting a lump-sum life insurance policy
→保険と貯蓄は分けること
→Separate insurance and savings
・補償内容の過不足
・Excess or deficiency of coverage
→計算必要
→Calculation required
・月額５０００円以上は要注意
・beware of more than 5000 yen/month
→余計な特約に入っているかも
→It may be in an extra rider
ちょっと時間かかりそうなので
まずは現状確認です。
It may take a little time, so I”ll check the current status first.
現在の保険プラン確認 Confirm current insurance plan
加入している保険は終身保険でした。
The insurance plan I had was whole life insurance.
さっそくですね。
This is an item to be reviewed immediately.
ざっくりとした内容はこちらです。
Here’s a quick rundown of the insurance.
・死亡時に１５００万円
・15 million yen at death
・３大疾病時に年１２０万支給
・1.2 million yen per year in case of three major illnesses
The three major illnesses are cancer, myocardial infarction, and stroke.
・入院手当一日１万円
・Hospitalization allowance of 10,000 yen per day
この内容で月額１３０００円の保険料です。
The monthly premium is 13,000 yen for this content.
来年から２２０００円に上がるみたいです。
It looks like it will go up to 22,000 yen next year.
死亡時１５００万円も少ない気がします。
I think 15 million yen at death is not much.
子供２人が大学に行ける資金は遺したい。
I want to leave money for my two children to go to college.
Calculating living funds and college expenses, we need 35 million.
保険料が上がる前に見直しします。
We will review your premiums before they go up.
じっくり考えます。
I will think carefully.
Insurance is a way to prepare for emergencies.
According to the book, it is for things that happen infrequently but cause great loss when they do occur.
Examples include automobile accidents and death insurance.
There are a variety of insurance companies, and some death insurance policies include hospitalization insurance.
If you do not read the policy because it is a hassle, it can be a big expense.
Read the documents carefully and check anything you don’t understand.
Do not sign a contract for anything you do not understand.
This attitude is important.
It is better not to do anything you don’t understand.
There are things you have to do even if you don’t understand them.
Perhaps the difference is whether you do it voluntarily or passively.
What you should not do because you don’t know will come from the other side.
It may be an introduction by an acquaintance or a solicitation.
Basically, I think it’s to my advantage.
What you have to do even if you don’t understand is what is called spontaneous action.
It could be studying for a qualification or taking on a new business challenge.
Basically, it is hard work, or there is anxiety about the future.
Discernment is important, but it is difficult.
I would like to become an adult who can discern things well.
関連記事↓
Related articles↓
