What is variable insurance?

Hello
This is the FLP LaLaport YOKOHAMA branch of the insurance consultation salon.

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) will "fluctuate" depending on the investment.

What is "fluctuation"?
If the investment is successful, both the coverage and savings will increase.
If the investment is not performing well, both the coverage and savings will decrease, but the coverage will never fall below the minimum insurance amount.

The investment destination will vary depending on the insurance company, but you can choose from the following special accounts (funds) to invest in. You can also change the investment destination 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.

①Insurance premiums
For the same amount of coverage, variable life insurance premiums are lower than fixed life insurance premiums.

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

In this way, assuming you do not cancel the policy with the aim of receiving the death benefit, you can secure lifetime coverage at a low premium and, depending on how it is managed, prepare a large insurance payout.
Also, since life insurance is often held for the long term, it is said to be a good match for investments such as stocks.
Long-term investment has the advantage of being able to take advantage of the effects of compound interest and having more time to gather sufficient information, making it easier to control risk than short-term investment.

At the store, you can receive advice from a financial planner, such as the differences between iDeCo, NISA, and variable insurance, and simulations of the amount of coverage you need and your retirement living expenses.
Why not contact us for a consultation to ensure you can prepare smoothly for your retirement?

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North Curve Mall, 3rd floor, look for the green sign ◎