{"id":19072,"date":"2015-09-14T11:55:34","date_gmt":"2015-09-14T02:55:34","guid":{"rendered":"https:\/\/biz.moneyforward.com\/blog\/?p=19072"},"modified":"2026-04-22T15:34:55","modified_gmt":"2026-04-22T06:34:55","slug":"increasing-term-life-insurance","status":"publish","type":"post","link":"https:\/\/biz.moneyforward.com\/accounting\/basic\/19072\/","title":{"rendered":"\u9013\u5897\uff08\u3066\u3044\u305e\u3046\uff09\u5b9a\u671f\u4fdd\u967a\u3068\u306f\uff1f\u7bc0\u7a0e\u306b\u306a\u308b\u7406\u7531\u3084\u671f\u9593\u6e80\u4e86\u524d\u306e\u89e3\u7d04\u306b\u3064\u3044\u3066\u3082\u89e3\u8aac\uff01"},"content":{"rendered":"

\u591a\u304f\u306e\u6cd5\u4eba\u304c\u6d3b\u7528\u3059\u308b\u9013\u5897\uff08\u3066\u3044\u305e\u3046\uff09\u5b9a\u671f\u4fdd\u967a\u306f\u3001\u4e00\u5b9a\u671f\u9593\u3092\u8d85\u3048\u308b\u3068\u6b7b\u4ea1\u4fdd\u969c\u91d1\u984d\u304c\u5f90\u3005\u306b\u5897\u3048\u3066\u3044\u304f\u30bf\u30a4\u30d7\u306e\u5b9a\u671f\u751f\u547d\u4fdd\u967a\u3067\u3059\u3002<\/p>\n

\u4fdd\u967a\u6599\u306e\u4e00\u90e8\u304c\u640d\u91d1\u3068\u3057\u3066\u8a08\u4e0a\u3067\u304d\u308b\u305f\u3081\u3001\u6761\u4ef6\u3092\u6e80\u305f\u305b\u3070\u7bc0\u7a0e\u5bfe\u7b56\u306b\u3082\u5229\u7528\u3067\u304d\u307e\u3059\u3002\u89e3\u7d04\u3059\u308b\u3068\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u76f8\u5f53\u984d\u304c\u623b\u3063\u3066\u304f\u308b\u4e00\u65b9\u3001\u4eca\u307e\u3067\u7d4c\u8cbb\u3068\u3057\u3066\u8a08\u4e0a\u3057\u3066\u3044\u305f\u5206\u304c\u5229\u76ca\u8a08\u4e0a\u3055\u308c\u3066\u3057\u307e\u3046\u30c7\u30e1\u30ea\u30c3\u30c8\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n

<\/div>

\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u3068\u306f<\/h2>\n

\u4fdd\u967a\u6599\u304c\u5272\u9ad8\u306a\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u306f\u3001\u7bc0\u7a0e\u5bfe\u7b56\u3068\u3057\u3066\u591a\u304f\u306e\u6cd5\u4eba\u4f01\u696d\u306b\u5229\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u6e80\u671f\u6642\u306b\u53d7\u3051\u53d6\u308b\u4fdd\u967a\u91d1\u306f\u3042\u308a\u307e\u305b\u3093\u304c\u3001\u6bce\u5e74\u306e\u652f\u6255\u3044\u4fdd\u967a\u6599\u306f\u5909\u308f\u3089\u305a\u3001\u6e80\u671f\u306b\u306a\u308b\u307e\u3067\u306b\u6b7b\u4ea1\u4fdd\u969c\u304c\u5951\u7d04\u6642\u306e5\u500d\u306b\u307e\u3067\u5897\u52a0\u3057\u307e\u3059\u3002<\/p>\n

\u3042\u308b\u4e00\u5b9a\u671f\u9593\uff083\u5e74\u304b\u308910\u5e74\uff09\u306f\u5951\u7d04\u3057\u305f\u969b\u306e\u4fdd\u969c\u984d\u304c\u7dad\u6301\u3055\u308c\u307e\u3059\u304c\u3001\u305d\u308c\u3092\u904e\u304e\u308b\u3068\u4fdd\u969c\u984d\u306f\u5897\u3048\u7d9a\u3051\u307e\u3059\u3002\u307e\u305f\u3001\u6bd4\u8f03\u7684\u77ed\u3044\u671f\u9593\u3067\u89e3\u7d04\u8fd4\u623b\u91d1\u304c\u9ad8\u7387\u306b\u306a\u308b\u306e\u3082\u4eba\u6c17\u306e\u7406\u7531\u306e\u3072\u3068\u3064\u3067\u3059\u3002<\/p>\n

\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u304c\u7bc0\u7a0e\u306b\u3064\u306a\u304c\u308b\u306e\u306f\u306a\u305c\uff1f<\/h2>\n

\u591a\u304f\u306e\u4f01\u696d\u306b\u3068\u3063\u3066\u3001\u5408\u6cd5\u7684\u304b\u3064\u8a08\u753b\u7684\u306a\u7bc0\u7a0e\u306f\u5065\u5168\u306a\u8cc7\u91d1\u7e70\u308a<\/a>\u3068\u4e8b\u696d\u306e\u7d99\u7d9a\u30fb\u767a\u5c55\u3092\u3082\u305f\u3089\u3057\u307e\u3059\u3002\u7a0e\u6cd5\u4e0a\u3067\u306f\u300c\u53ce\u76ca\u300d\u3092\u300c\u76ca\u91d1\u300d\u3001\u300c\u8cbb\u7528\u300d\u3092\u300c\u640d\u91d1\u300d\u3068\u547c\u3073\u3001\u300c\u76ca\u91d1\u300d\u304b\u3089\u300c\u640d\u91d1\u300d\u3092\u5dee\u3057\u5f15\u304f\u3053\u3068\u306b\u3088\u3063\u3066\u4f1a\u793e\u306e\u4e8b\u696d\u6240\u5f97<\/a>\u3092\u7b97\u51fa\u3057\u307e\u3059\u3002<\/p>\n

\u6cd5\u4eba\u7a0e<\/a>\u306e\u8a08\u7b97\u306f1\u5e74\u9593\u306e\u4f01\u696d\u306e\u5229\u76ca\u306b\u57fa\u3065\u3044\u3066\u306a\u3055\u308c\u308b\u305f\u3081\u3001\u7bc0\u7a0e\u5bfe\u7b56\u3068\u3057\u3066\u306f\u3001\u8ab2\u7a0e\u3055\u308c\u308b\u4e8b\u696d\u6240\u5f97\uff08\u5229\u76ca\uff09\u3092\u6e1b\u3089\u3059\u3001\u3064\u307e\u308a\u3001\u640d\u91d1\uff08\u8cbb\u7528\uff09\u3092\u5897\u3084\u3057\u3066\u8ab2\u7a0e\u5bfe\u8c61\u984d\u3092\u6e1b\u3089\u3059\u306e\u304c\u52b9\u679c\u7684\u3060\u3068\u8a00\u308f\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u30fb\u4f1a\u8a08: \u5229\u76ca = \u53ce\u76ca\u2212\uff08\u30de\u30a4\u30ca\u30b9\uff09\u8cbb\u7528<\/p>\n

\u30fb\u7a0e\u6cd5: \u4e8b\u696d\u6240\u5f97 = \u76ca\u91d1\u2212\uff08\u30de\u30a4\u30ca\u30b9\uff09\u640d\u91d1<\/p>\n

\u30fb\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u6599\u3092\u640d\u91d1\u8a08\u4e0a\u3059\u308b<\/p>\n

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\u30fb45\u6b73\u3092\u8d85\u3048\u308b\u5834\u5408\u3001\u306f\u3058\u3081\u306e60%\u306b\u76f8\u5f53\u3059\u308b\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u306e2\u5206\u306e1\u306e\u91d1\u984d\u304c\u8cc7\u7523\u8a08\u4e0a\u3055\u308c\u3001\u6b8b\u308a\u306e2\u5206\u306e1\u304c\u640d\u91d1\u8a08\u4e0a\u3055\u308c\u307e\u3059\u3002\u6b8b\u308a\u306e40%\u306e\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u3001\u652f\u6255\u3044\u4fdd\u967a\u6599\u306e\u5168\u984d\u3092\u640d\u91d1\u8a08\u4e0a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u30fb70\u6b73\u3092\u8d85\u3048\u3066\u304a\u308a\u3001\u4fdd\u967a\u306b\u52a0\u5165\u3057\u305f\u969b\u306e\u5e74\u9f62\u306b\u4fdd\u967a\u671f\u9593\u306e2\u500d\u3092\u52a0\u3048\u305f\u6570\u5024\u304c95\u3092\u8d85\u3048\u308b\u5834\u5408\u3001\u306f\u3058\u3081\u306e60%\u306b\u76f8\u5f53\u3059\u308b\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u306e3\u5206\u306e2\u306e\u91d1\u984d\u304c\u8cc7\u7523\u8a08\u4e0a\u3055\u308c\u3001\u6b8b\u308a\u306e3\u5206\u306e1\u3092\u640d\u91d1\u3068\u3057\u3066\u6271\u3044\u307e\u3059\u3002\u6b8b\u308a\u306e40%\u306e\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u3001\u652f\u6255\u3044\u4fdd\u967a\u6599\u306e\u5168\u984d\u304c\u640d\u91d1\u3068\u3057\u3066\u8a08\u4e0a\u3055\u308c\u307e\u3059\u3002<\/p>\n

\u30fb80\u6b73\u3092\u8d85\u3048\u3066\u304a\u308a\u3001\u4fdd\u967a\u306b\u52a0\u5165\u3057\u305f\u969b\u306e\u5e74\u9f62\u306b\u4fdd\u967a\u671f\u9593\u306e2\u500d\u3092\u52a0\u3048\u305f\u6570\u5024\u304c120\u3092\u8d85\u3048\u308b\u5834\u5408\u3001\u306f\u3058\u3081\u306e60%\u306b\u76f8\u5f53\u3059\u308b\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u306e4\u5206\u306e3\u306e\u91d1\u984d\u3092\u8cc7\u7523\u3068\u3057\u3066\u6271\u3044\u3001\u6b8b\u308a\u306e4\u5206\u306e1\u3092\u640d\u91d1\u3067\u8a08\u4e0a\u3057\u307e\u3059\u3002\u307e\u305f\u3001\u6b8b\u308a\u306e40%\u306e\u4fdd\u967a\u671f\u9593\u4e2d\u306f\u3001\u652f\u6255\u3044\u4fdd\u967a\u6599\u3092\u3059\u3079\u3066\u640d\u91d1\u3068\u3057\u3066\u8a08\u4e0a\u3067\u304d\u307e\u3059\u3002<\/p>\n

\u203b\u3000\u4e0a\u8a18\u306e\u8cc7\u7523\u8a08\u4e0a\u3057\u305f\u4fdd\u967a\u6599\u90e8\u5206\u306f\u3001\u6b8b\u308a\u306e\uff14\uff10\uff05\u306e\u4fdd\u967a\u671f\u9593\u4e2d\u306b\u671f\u9593\u306e\u7d4c\u904e\u306b\u5fdc\u3058\u3066\u53d6\u5d29\u3057\u3001\u640d\u91d1\u7b97\u5165\u3057\u307e\u3059\u3002<\/p>\n

\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u3092\u4fdd\u967a\u671f\u9593\u6e80\u4e86\u524d\u306b\u89e3\u7d04\u3059\u308b\u3068\u3069\u3046\u306a\u308b\uff1f<\/h2>\n

\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u3092\u89e3\u7d04\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u3053\u308c\u307e\u3067\u652f\u6255\u3063\u305f\u4fdd\u967a\u6599\u304c\u89e3\u7d04\u8fd4\u623b\u91d1\u3068\u3057\u3066\u623b\u3063\u3066\u304d\u307e\u3059\u3002\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u306e\u7279\u5fb4\u3068\u3057\u3066\u89e3\u7d04\u8fd4\u623b\u91d1\u304c\u6bd4\u8f03\u7684\u77ed\u3044\u671f\u9593\u3067\u5927\u304d\u304f\u5897\u3048\u308b\u305f\u3081\u3001\u591a\u304f\u306e\u4f01\u696d\u3067\u306f\u7bc0\u7a0e\u5bfe\u7b56\u3068\u3057\u3066\u3060\u3051\u3067\u306a\u304f\u3001\u9000\u8077\u91d1\u306e\u6e96\u5099\u3084\u591a\u5927\u306a\u7d4c\u8cbb\u304c\u304b\u304b\u308b\u3068\u4e88\u60f3\u3055\u308c\u308b\u72b6\u6cc1\u306b\u5099\u3048\u308b\u624b\u6bb5\u3068\u3057\u3066\u3082\u9013\u5897\u5b9a\u671f\u4fdd\u967a\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n

\u89e3\u7d04\u3059\u308b\u3068\u304d\u306e\u6ce8\u610f\u70b9 \u9013\u5897\u5b9a\u671f\u4fdd\u967a\u3092\u89e3\u7d04\u3059\u308b\u3068\u304d\u306e\u6ce8\u610f\u70b9\u3068\u3057\u3066\u3001\u89e3\u7d04\u8fd4\u623b\u91d1\u306e\u8fd4\u623b\u7387\u306f\u3042\u308b\u6642\u671f\u3092\u904e\u304e\u308b\u3068\u6025\u901f\u306b\u4e0b\u304c\u308b\u305f\u3081\u3001\u89e3\u7d04\u3059\u308b\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u8fd4\u623b\u7387\u306e\u30d4\u30fc\u30af\u306b\u5408\u308f\u305b\u308b\u3053\u3068\u304c\u5fc5\u8981\u3067\u3059\u3002\u307e\u305f\u3001\u89e3\u7d04\u3059\u308b\u3068\u3001\u3053\u308c\u307e\u3067\u640d\u91d1\u3068\u3057\u3066\u8a08\u4e0a\u3057\u3066\u3044\u305f\u5206\u304c\u5229\u76ca\u3068\u3057\u3066\u8a08\u4e0a\u3055\u308c\u307e\u3059\u3002\u8cc7\u91d1\u304c\u5fc5\u8981\u306a\u5834\u5408\u3067\u3082\u3001\u3059\u3050\u306b\u89e3\u7d04\u3059\u308b\u3053\u3068\u306f\u305b\u305a\u3001\u4fdd\u967a\u3092\u4fdd\u6301\u3057\u306a\u304c\u3089\u89e3\u7d04\u8fd4\u623b\u91d1\u306e9\u5272\u7a0b\u5ea6\u307e\u3067\u306e\u91d1\u984d\u3092\u4f4e\u91d1\u5229\u3067\u8cb8\u3057\u4ed8\u3051\u3066\u3082\u3089\u3048\u308b\u5236\u5ea6\u306a\u3069\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u3082\u3067\u304d\u308b\u3067\u3057\u3087\u3046\u3002<\/p>\n

\u53c2\u8003\uff1a
\n\u6cd5\u4eba\u304c\u652f\u6255\u3046\u9577\u671f\u5e73\u6e96\u5b9a\u671f\u4fdd\u967a\u7b49\u306e\u4fdd\u967a\u6599\u306e\u53d6\u6271\u3044\u306b\u3064\u3044\u3066\uff5c\u56fd\u7a0e\u5e81<\/a><\/p>\n

\u95a2\u9023\u8a18\u4e8b<\/h3>\n

\u30fb\u4fdd\u967a\u306e\u7bc0\u7a0e\u52b9\u679c\u3068\u306f\uff1f\u500b\u4eba\u4e8b\u696d\u4e3b\u3068\u6cd5\u4eba\u304c\u7bc0\u7a0e\u306b\u6d3b\u7528\u3067\u304d\u308b\u4fdd\u967a\u307e\u3068\u3081<\/a>
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