What is variable insurance?

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■ What is variable insurance?
Insurance in which the death benefit, surrender value, maturity benefit, and annuity amount fluctuate depending on the investment.
*In the case of variable insurance, the investment performance will affect the increase or decrease of the insurance amount, the accumulated amount, and the future pension amount.
There is a risk of losses depending on the investment performance. You should be aware of this before choosing.
★Types of variable insurance
"Lifetime type," "Fixed term type," "Annuity type," etc.
★ How to manage variable insurance
You can choose from the following special accounts (funds) to manage your investments.
The investment ratio can be changed during the period
・Domestic stock type ・International stock type ・Domestic bond type ・International bond type ・International REIT type ・Balanced type

■ How variable insurance works
★ When operations are going well
The death benefit amount and surrender value will vary depending on the investment, and the amount of the insurance payout will also increase!
★ If operations are not going well
The death benefit amount varies depending on the investment, but there is a minimum guarantee and it will never fall below that amount.
The surrender value also varies depending on the investment, but there is no minimum guarantee.
Be careful as the return may be reduced due to a fall in stock prices.
★ If you cancel your variable whole life insurance policy
The surrender value varies depending on the investment performance and there is no minimum guarantee, but depending on the investment performance,
You may end up losing more than the premiums you paid.

★ Variable whole life insurance provides lifelong protection at a low premium
The surrender value of variable whole life insurance may be at risk of losing the principal depending on the investment.
Depending on how you use it, the benefits outweigh the drawbacks.
Depending on the investment, the death benefit may increase.
In this way, if you are aiming to receive the death benefit and do not intend to cancel the policy,
It is possible to secure lifelong coverage at low premiums while preparing large insurance payouts depending on the investment.

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