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終身保険のしくみ

終身保険 30歳 男性 保険金1000万円 月保険料20,920円のケース
年数 年齢 年間保険料 払込保険料累計 解約返戻金額 解約返戻金増加額 負担保険料累計 負担保険料単年 返戻率(%)
1 31 251,040 251,040
0
0
251,040 251,040 0
2 32 251,040 502,080
245,000 245,000 257,080
128,540
49
3 33 251,040 753,120
471,000
226,000
282,120
128,540
63
4 34 251040 1,004,160
697,000
226,000
307,160
128,540
69
5 35 251040 1,255,200
925,000
228,000
330,200
66,040
74
6 36 251040 1,506,240
1,158,000
233,000
348,240
58,040
77
7 37 251040 1,757,280
1,394,000
236,000
363,280
51,897
79
8 38 251040 2,008,320
1,633,000
239,000
375,320
46,915
81
9 39 251040 2,259,360
1,875,000
242,000
384,360
42,707
83
10 40 251040 2,510,400
2,120,000
245,000
390,400
39,040
84
11 41 251040 2,761,440
2,350,000
230,000
411,440
37,404
85
12 42 251040 3,012,480
2,584,000
234,000
428,480
35,707
86
13 43 251040 3,263,520
2,820,000
236,000
443,520
34,117
86
14 44 251040 3,514,560
3,059,000
239,000
455,560
32,540
87
15 45 251040 3,765,600
3,302,000
243,000
463,600
30,907
88
16 46 251040 4,016,640
3,548,000
246,000
468,640
29,290
88
17 47 251040 4,267,680
3,798,000
250,000
469,680
27,628
89
18 48 251040 4,518,720
4,052,000
254,000
466,720
25,929
90
19 49 251040 4,769,760
4,309,000
257,000
460,760
24,251
90
20 50 251040 5,020,800
4,570,000
261,000
450,800
22,540
91
21 51 251040 5,271,840
4,834,000
264,000
437,840
20,850
92
22 52 251040 5,522,880
5,103,000
269,000
419,880
19,085
92
23 53 251040 5,773,920
5,375,000
272,000
398,920
17,344
93
24 54 251040 6,024,960
5,651,000
276,000
373,960
15,582
94
25 55 251040 6,276,000
5,931,000
280,000
345,000
13,800
95
26 56 251040 6,527,040
6,214,000
283,000
313,040
12,040
95
27 57 251040 6,778,080
6,502,000
288,000
276,080
10,225
96
28 58 251040 7,029,120
6,794,000
292,000
235,120
8,397
97
29 59 251040 7,280,160
7,092,000
298,000
188,160
6,488
97
30 60 251040 7,531,200 7,395,000
303,000
136,200
4,540
98
31 61 0 7,531,200 7,480,000
85,000
51,200
1,652
99
32 62 0 7,531,200 7,565,000
85,000
-33,800
-1,056
100
33 63 0 7,531,200 7,650,000
85,000
-118,800
-3,600
102
34 64 0 7,531,200 7,735,000
85,000
-203,800
-5,994
103
35 65 0 7,531,200 7,820,000
85,000
-288,800
-8,251
104
36 66 0 7,531,200 7,905,000
85,000
-373,800
-10,383
105
37 67 0 7,531,200 7,990,000
85,000
-458,800
-12,400
106
38 68 0 7,531,200 8,074,000
84,000
-542,800
-14,284
107
39 69 0 7,531,200 8,157,000
83,000
-625,800
-16,046
108
40 70 0 7,531,200 8,240,000
83,000
-708,800
-17,720
109
41 71 0 7,531,200 8,321,000
81,000
-789,800
-19,263
110
42 72 0 7,531,200 8,401,000
80,000
-869,800
-20,710
112
43 73 0 7,531,200 8,480,000
79,000
-948,800
-22,065
113
44 74 0 7,531,200 8,558,000
78,000
-1,026,800 -23,336
114
45 75 0 7,531,200 8,634,000
76,000
-1,102,800
-24,507
115
46 76 0 7,531,200 8,708,000
74,000
-1,176,800
-25,583
116
47 77 0 7,531,200 8,780,000
72,000
-1,248,800
-26,570
117
48 78 0 7,531,200 8,851,000
71,000
-1,319,800
-27,496
118
49 79 0 7,531,200 8,919,000
68,000
-1,387,800
-28,322
118
50 80 0 7,531,200 8,986,000
67,000
-1,454,800
-29,096
119
51 81 0 7,531,200 9,050,000
64,000
-1,518,800
-29,780
120
52 82 0 7,531,200 9,112,000
62,000
-1,580,800
-30,400
121
53 83 0 7,531,200 9,171,000
59,000
-1,639,800
-30,940
122
54 84 0 7,531,200 9,228,000
57,000
-1,696,800
-31,422
123
55 85 0 7,531,200 9,282,000
54,000
-1,750,800
-31,833
123
56 86 0 7,531,200 9,334,000
52,000
-1,802,800
-32,193
124
57 87 0 7,531,200 9,383,000
49,000
-1,851,800
-32,488
125
58 88 0 7,531,200 9,430,000
47,000
-1,898,800
-32,738
125
59 89 0 7,531,200 9,474,000
44,000
-1,942,800
-32,929
126
60 90 0 7,531,200 9,515,000
41,000
-1,983,800
-33,063
126

解約返戻金増加額=前年度に対し増加(減少)した解約返戻金の額
負担保険料累計=払込保険料累計-解約返戻金、結果として支払った負担額

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生命保険の基本 合理的な加入の仕方
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