保険には「掛け捨型」と「貯蓄型」の2つの種類があります。一般的に終身保険とは貯蓄型の保険に分類されるものです。「終身保険に加入したいけれど from brightreach.co.jp
Introduction
In Japan, "保険 掛け 捨て と 積み立て" (hoken kake-sute to tsumitate) is a common term used in the insurance industry. It refers to two types of insurance policies - term insurance (kake-sute) and endowment insurance (tsumitate).
Term Insurance
Term insurance is a type of insurance policy that provides coverage for a specific period. It is called "kake-sute" because once the term of the policy ends, the policyholder does not receive any payout. It is like throwing money away (kake-sute). However, term insurance is cheaper compared to other types of insurance policies, and it is ideal for those who are looking for short-term coverage.
Endowment Insurance
Endowment insurance is a type of insurance policy that provides both insurance coverage and savings. It is called "tsumitate" because the policyholder pays a premium regularly, and the savings accumulate over time. Once the policy matures, the policyholder receives the accumulated savings and the insurance payout. Endowment insurance is more expensive compared to term insurance, but it is ideal for those who are looking for long-term coverage and savings.
Which One to Choose?
Choosing between term insurance and endowment insurance depends on your financial goals and needs. If you are looking for short-term coverage, term insurance is the best option. However, if you are looking for long-term coverage and savings, endowment insurance is the best option. It is important to assess your financial situation and choose the policy that fits your needs.
Tips for Choosing Insurance Policies
When choosing insurance policies, here are some tips that can help you make the right decision:
Assess Your Needs
Assess your financial situation and determine your needs. Do you need short-term or long-term coverage? Do you need insurance coverage and savings? Answering these questions can help you choose the right insurance policy.
Compare Policies
Compare different insurance policies from different insurance companies. Look at the coverage, premium, and benefits. Choose the policy that offers the best value for your money.
Read the Fine Print
Read the policy carefully and understand the terms and conditions. Ask questions if there is something that you do not understand. Make sure that you are aware of the limitations and exclusions of the policy.
Choose a Reputable Insurance Company
Choose an insurance company that has a good reputation and a strong financial standing. You want to make sure that the company will be able to pay your claims when the time comes.
Conclusion
"保険 掛け 捨て と 積み立て" is a common term used in the insurance industry in Japan. It refers to two types of insurance policies - term insurance and endowment insurance. Choosing between the two depends on your financial goals and needs. When choosing insurance policies, assess your needs, compare policies, read the fine print, and choose a reputable insurance company.
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