そもそも、生命保険ってなんですか？
私も、毎月7,200円の生命保険に加入していたのですが、
生命保険とは何なのか良くわかっていませんでした。
私の理解では、入院したときや、死んだときにお金をもらえるもの。
そんなイメージでしたね。
私も、毎月7,200円の生命保険に加入していたのですが、
生命保険とは何なのか良くわかっていませんでした。
私の理解では、入院したときや、死んだときにお金をもらえるもの。
そんなイメージでしたね。
今回、この記事を書くにあたって、その保険とはいったい何なのか。
今一度勉強してみました。
ライフネット生命保険のホームページに、
わかりやすい説明があったので引用します。
----
> あなたが万が一のとき、誰かが払った保険料があなたに支払われ、
> 誰かが万が一のときは、その逆にもなる。
> 顔も知らぬみんなが積み立てたお金でひとを救うシステム。
> それが生命保険の本質なのです。
目からウロコの保険塾
----
なるほど！
これならわかりやすい。
万が一のことは、万が一に起こるもの。
つまり、万が一は1/10000なんです。
その、万が一の時に必要なお金は、かなり大きな金額となります。
たとえば、1千万円必要だとします。
万が一に1人で備えようとすると、
自分の銀行口座に10,000,000円の貯金が必要ですが、
万が一のことは10,000回に1回しか起きません。
言い換えると、10,000人に1人しか起きないんです。
だったら、10,000人で備えればよいんですよね。
1人なら10,000,000円必要な万が一の備えも、
10,000人なら、1人1,000円で備えることができるんですから！
保険って、めちゃくちゃ簡単だったんですね。
----
鶴羽佳秀
今一度勉強してみました。
ライフネット生命保険のホームページに、
わかりやすい説明があったので引用します。
----
> あなたが万が一のとき、誰かが払った保険料があなたに支払われ、
> 誰かが万が一のときは、その逆にもなる。
> 顔も知らぬみんなが積み立てたお金でひとを救うシステム。
> それが生命保険の本質なのです。
目からウロコの保険塾
----
なるほど！
これならわかりやすい。
万が一のことは、万が一に起こるもの。
つまり、万が一は1/10000なんです。
その、万が一の時に必要なお金は、かなり大きな金額となります。
たとえば、1千万円必要だとします。
万が一に1人で備えようとすると、
自分の銀行口座に10,000,000円の貯金が必要ですが、
万が一のことは10,000回に1回しか起きません。
言い換えると、10,000人に1人しか起きないんです。
だったら、10,000人で備えればよいんですよね。
1人なら10,000,000円必要な万が一の備えも、
10,000人なら、1人1,000円で備えることができるんですから！
保険って、めちゃくちゃ簡単だったんですね。
----
鶴羽佳秀
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