熟考の末、保険会社を変更しました。
After much consideration, I changed insurance companies.
後は今の保険を解約するだけです。
All you have to do is cancel your current insurance.
簡単にですが、検討の過程を記します。
I will briefly describe the process of consideration.
目次
まずは必要な保険金の算出 First, calculate the necessary insurance amount
今までは死亡保険と医療保険に入っていましたが、
ほとんど医療保険使っていません。
Up until now, I had death insurance and medical insurance, but I almost never use medical insurance.
死亡保険だけにします。
Only death insurance.
これはリベラルアーツ大学から知恵をもらってます。
This is wisdom from liberal arts universities.
必要な金額 amount required
私が今すぐ死ぬ想定で計算します。
The calculation is based on the assumption that I die right now.
住宅ローンはゼロになるので心配いりません。
You don’t have to worry because your mortgage will be zero.
妻と子供たちの必要な資金を計算します。
Calculate the financial needs of your wife and children.
まずは、妻の資金の算出です。
First, let’s calculate my wife’s funds.
妻の稼ぎを子供たちが成人するまでは月10万、成人してからは月20万で計算します。
My wife’s income is calculated at 100,000 yen a month until the children become adults, and 200,000 yen a month after they become adults.
妻の老後資金は、2000万問題の半分の1000万で計算です。
My wife’s retirement funds are calculated at 10 million, half of the 20 million problem.
次に子供たちの資金の算出です。
Next, calculate the children’s funds.
大学までの教育費は無償となるはずなので、大学資金だけです。
Educational expenses up to university are supposed to be free, so all you need is university funds.
将来どの道に進むかわかりませんが、入学から卒業まで平均で800万必要みたいです。
I don’t know what path I will take in the future, but it seems like I will need an average of 8 million yen from admission to graduation.
遺族基礎年金と遺族厚生年金、今の貯金を合わせて計算すると
足りない金額は3600万円となります。
If I calculate the survivor’s basic pension, the survivor’s welfare pension, and my current savings, the amount that will be missing after I die will be 36 million yen.
割と大きな金額です。
It’s a relatively large amount.
保険の比較 insurance comparison
５社比較しました。
I compared 5 companies.
メットライフ生命、チューリッヒ保険、SBI生命、オリックス生命、アクサ生命です。
These are MetLife Life Insurance, Zurich Insurance, SBI Life Insurance, Orix Life Insurance, and AXA Life Insurance.
ただ、微妙に条件が違っています。
However, the conditions are slightly different.
全く同じ条件の比較ではないので注意してください。
Please note that this is not a comparison under exactly the same conditions.
条件は以下の通りです。
The conditions are as follows.
保険金額は3500万か保険金の上限。
The insured amount is 35 million yen or the upper limit of the insurance amount.
期間は10年定期もしくは20年定期で70歳を超えるまで。
The period is 10 years or 20 years until you reach the age of 70.
メットライフ生命 metlife life insurance
保険金額：3000万
Insurance amount: 30 million
更新期間：20年定期
Renewal period: 20 years
プラン名：スーパー割引定期保険
Plan name: Super discount term insurance
保険総支払額：570万
Total insurance payment amount: 5.7 million
チューリッヒ保険 zurich insurance
保険金額：3500万
Insurance amount: 35 million yen
更新期間：10年定期
Renewal period: 10 years
プラン名：定期保険プレミアムDX
Plan name: Term insurance premium DX
保険総支払額：730万
Total insurance payment amount: 7.3 million
SBI生命 SBI Life Insurance
保険金額：3500万
Insurance amount: 35 million yen
更新期間：10年定期
Renewal period: 10 years
プラン名：クリック定期NEO
Plan name: Click subscription NEO
保険総支払額：820万
Total insurance payment amount: 8.2 million
オリックス生命 orix life insurance
保険金額：3000万
Insurance amount: 30 million
更新期間：20年定期
Renewal period: 20 years
プラン名：定期保険ブリッジ
Plan name: Term insurance bridge
保険総支払額：700万
Total insurance payment amount: 7 million
アクサ生命 axa life insurance
保険金額：3500万
Insurance amount: 35 million yen
更新期間：10年定期
Renewal period: 10 years
プラン名：定期保険2
Plan name: Term insurance 2
保険総支払額：1040万
Total insurance payment amount: 10.4 million
検討の結果 Results of consideration
メットライフ生命にしました。
I chose MetLife life insurance.
一番の決め手は、安さでした。
The biggest deciding factor was the price.
現状の家計が厳しいのとしばらく生きていることを見越して
少しでも金額を抑えることにしました。
Considering that our current household finances are difficult and that we will be living for a while, we decided to keep the amount down as much as possible.
チューリッヒ保険も魅力でした。
Zurich Insurance was also attractive.
小回りの利く10年定期で金額も3500万と希望額ぴったりでした。
It was a flexible 10-year term and the amount was 35 million yen, which was exactly what I wanted.
50代から60代の保険金額はチューリッヒ保険の方が安かったので
20年後に再度見直したいと思います。
Zurich Insurance was cheaper for people in their 50s and 60s, so I would like to review it again in 20 years.
そのころにはもっと条件のいい保険があるかもしれませんね。
By then, there may be better insurance available.
Memo: Dealing with vague anxiety
I’m not sure why, but I feel a little anxious.
It’s not a strong feeling of anxiety, but I feel a little anxiety that lasts for a long time.
It’s not so much that I can’t bear it, so I just put it down or forget about it for a while.
However, this is quite mentally draining.
It’s a rule of thumb, but I’d like to introduce a method I used to deal with it.
This is a method of researching possible causes of anxiety and a method of repeatedly asking yourself questions.
Investigation of causes of anxiety
I don’t know what’s causing it, so I’ll investigate everything that concerns me.
I don’t know if it was because I researched it, but the fact that I researched it is important.
Researching will make you more confident, and you may even find out the cause of your anxiety while researching.
Anyway, take your time and research.
self-questioning
This method is quite inconvenient.
As a result, you will know your ego.
Keep asking yourself what the consequences of your anxiety are and why.
Let’s try an example.
Somehow I don’t want to do it. → Why → I don’t want to fail → Why → I’ll be laughed at → Why I don’t like it → I’m embarrassed → Why → I don’t want people to think I’m uncool
Eventually, you will know the root of your emotions.
It’s about what you don’t like and how you don’t like what people think of you.
It’s mostly due to petty pride.
It’s better to let go of the pride that gets in the way of your life.
Pride is important, but if you let pride control you, you will never be able to survive.
Let’s keep a good balance.
