What is variable insurance?

Variable insurance is an insurance that combines protection and savings.
The biggest feature is that the coverage (death benefit amount) and savings (surrender value, maturity benefit, and pension amount) are
It varies depending on the operation.

How does it fluctuate?
〇When operations are going well
Both coverage and savings will increase.

○ When operation is not going well
Both insurance and savings will decrease.
However, coverage will never be less than the minimum amount insured.

The investment destination varies depending on the insurance company.
You can choose from the following special accounts (funds) to manage your investments, and you can also change your account at any time.
・Stock type (domestic/overseas)
・Debt type (domestic/overseas)
・Overseas REIT type
・Balanced


Since variable insurance savings are invested in stocks and bonds, there is a risk of losing your principal depending on how they are managed.
However, depending on how you use it, the benefits outweigh the drawbacks, as detailed below.
①Insurance premiums
For the same amount of coverage, premiums are lower than fixed-rate whole life insurance.

② Death benefits
There is a minimum guarantee, and the death benefit may increase depending on the investment.

You can secure lifelong coverage at low premiums and, depending on how it is managed, you can prepare large insurance payouts.
In addition, if you invest for the long term, you can take advantage of the effects of compound interest and have time to gather sufficient information.
It has the advantage of being easier to control risk than short-term investment.

At our store, you can receive advice from a financial planner about the differences between iDeCo, NISA, and variable insurance.
Why not contact us for a consultation to ensure you can prepare smoothly for your retirement?


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