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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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