{"id":3580,"date":"2023-06-21T12:56:16","date_gmt":"2023-06-21T03:56:16","guid":{"rendered":"https:\/\/www.borderless-investment.com\/?p=3580"},"modified":"2023-06-21T13:01:04","modified_gmt":"2023-06-21T04:01:04","slug":"%e3%82%aa%e3%83%95%e3%82%b7%e3%83%a7%e3%82%a2%e4%bf%9d%e9%99%ba%e3%80%81%e3%83%91%e3%83%b3%e3%82%a2%e3%83%a1%e3%83%aa%e3%82%ab%e3%83%b3%e3%83%bb%e3%83%a9%e3%82%a4%e3%83%95%e3%81%ab%e9%96%a2%e3%81%99","status":"publish","type":"post","link":"https:\/\/www.borderless-investment.com\/zh\/insurance\/lifeinsurance-insurance\/3580\/","title":{"rendered":"\u30aa\u30d5\u30b7\u30e7\u30a2\u4fdd\u967a\u3001\u30d1\u30f3\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30e9\u30a4\u30d5\u306b\u95a2\u3059\u308bQ&A"},"content":{"rendered":"

\u5bf9\u4e0d\u8d77\uff0c\u6b64\u5185\u5bb9\u53ea\u9002\u7528\u4e8e\u65e5\u672c\u8a9e<\/a>\u3002 For the sake of viewer convenience, the content is shown below in the alternative language. You may click the link to switch the active language.<\/p>

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\nQ.\u306a\u305c\u30d1\u30f3\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30e9\u30a4\u30d5\u306f\u30b1\u30a4\u30de\u30f3\u3067\u5546\u54c1\u3092\u767b\u9332\u3057\u305f\u306e\u304b?<\/span><\/p>\n

A.\u5b89\u5b9a\u3057\u305f\u653f\u5e9c\u3001\u6cd5\u5236\u5ea6\u3001\u7d4c\u6e08\u3001\u6709\u5229\u306a\u7a0e\u5236\u74b0\u5883\u304c\u6574\u3063\u3066\u3044\u308b\u3068\u3044\u3046\u70b9\u304c\u30b1\u30a4\u30de\u30f3\u3067\u5546\u54c1\u3092\u767b\u9332\u3057\u305f\u4e3b\u306a\u7406\u7531\u3002CIMA\uff08\u30b1\u30a4\u30de\u30f3\u8af8\u5cf6\u91d1\u878d\u76e3\u7763\u5b98\u5e81\uff09\u306f\u30011)\u4fdd\u967a\u6cd5\u304a\u3088\u3073\u898f\u5236\u30012)\u56fd\u969b\u4fdd\u967a\u76e3\u7763\u8005\u5354\u4f1a(IAIS)\u304c\u767a\u884c\u3057\u305f\u4fdd\u967a\u76e3\u7763\u306e\u57fa\u672c\u539f\u5247\u306b\u5f93\u3063\u3066\u4fdd\u967a\u696d\u754c\u3092\u898f\u5236\u3057\u3066\u3044\u308b\u3002<\/span><\/p>\n

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Q.\u76f8\u4e92\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u3068\u306f\uff1f<\/span><\/h2>\n

A.\u76f8\u4e92\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u4fdd\u967a\u5951\u7d04\u8005\u304c\u6240\u6709\u3059\u308b\u4fdd\u967a\u4f1a\u793e\u306e\u3053\u3068\u3002\u3064\u307e\u308a\u76f8\u4e92\u4fdd\u967a\u4f1a\u793e\u306e\u5951\u7d04\u8005\u306f\u540c\u6642\u306b\u682a\u4e3b\u3068\u306a\u308b\u3002\u76f8\u4e92\u4fdd\u967a\u4f1a\u793e\u306e\u5951\u7d04\u8005\uff08\u682a\u4e3b\uff09\u306f\u5c06\u6765\u682a\u5f0f\u4f1a\u793e\u5316\u3068\u682a\u5f0f\u5e02\u5834\u3078\u306e\u4e0a\u5834\u306b\u6295\u7968\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u305d\u306e\u5834\u5408\u4fdd\u967a\u5951\u7d04\u8005\u306f\u4fdd\u967a\u5951\u7d04\u73fe\u91d1\u4fa1\u5024\u3084\u305d\u306e\u4ed6\u306e\u7279\u5178\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u3053\u3068\u306a\u304f\u3001\u4fdd\u967a\u5951\u7d04\u73fe\u91d1\u4fa1\u5024\u306b\u7b49\u3057\u3044\u4f1a\u793e\u306e\u30dc\u30fc\u30ca\u30b9\u682a\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u306b\u306a\u308b\u3002<\/span><\/p>\n

Q.\u4fdd\u967a\u4f1a\u793e\u306f\u3069\u3046\u3084\u3063\u3066\u9078\u3079\u3070\u826f\u3044\u304b\uff1f<\/span><\/h2>\n

A.\u307e\u305a\u4fdd\u967a\u4f1a\u793e\u306e\u4ee5\u4e0b\u306e\u60c5\u5831\u3092\u78ba\u8a8d\u3059\u308b\u306e\u304c\u826f\u3044\u3002<\/span>
\n1)\u4f1a\u793e\u306e\u80cc\u666f\u3068\u6cbf\u9769<\/span>
\n2)\u8ca1\u52d9\u529b\u306e\u683c\u4ed8\u3051<\/span>
\n3)\u30bd\u30eb\u30d9\u30f3\u30b7\u30fc\u30fb\u30de\u30fc\u30b8\u30f3<\/span>
\n4)\u8ca1\u52d9\u8af8\u8868<\/span><\/p>\n

Q.\u4fdd\u967a\u4f1a\u793e\u306f\u5b89\u5168\uff1f\u3082\u3057\u4fdd\u967a\u4f1a\u793e\u304c\u5012\u7523\u3057\u305f\u3089\u3069\u3046\u306a\u308b\u306e\u304b\uff1f<\/span><\/h2>\n

A.\u3059\u3079\u3066\u306e\u4fdd\u967a\u4f1a\u793e\u306f\u30ea\u30b9\u30af\u3092\u6700\u5c0f\u9650\u306b\u6291\u3048\u308b\u305f\u3081\u306b\u518d\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u3053\u3068\u304c\u7fa9\u52d9\u4ed8\u3051\u3089\u308c\u3066\u3044\u308b\u3002\u76e3\u67fb\u306e\u305f\u3081\u306b\u8ca1\u52d9\u8af8\u8868\u3092\u6bce\u5e74\u898f\u5236\u5f53\u5c40\u306b\u63d0\u51fa\u3057\u3001\u8ca1\u52d9\u4e0a\u306e\u56f0\u96e3\u304c\u5224\u660e\u3057\u305f\u5834\u5408\u3001\u307e\u305f\u306f\u30bd\u30eb\u30d9\u30f3\u30b7\u30fc\u30de\u30fc\u30b8\u30f3\u304c\u8981\u4ef6\u3092\u4e0b\u56de\u3063\u305f\u5834\u5408\u3001\u898f\u5236\u5f53\u5c40\u306f\u4fdd\u967a\u4f1a\u793e\u306b\u8ffd\u52a0\u8cc7\u91d1\u306e\u6ce8\u5165\u307e\u305f\u306f\u65b0\u898f\u53d6\u5f15\u306e\u53d7\u3051\u5165\u308c\u306e\u505c\u6b62\u3092\u547d\u4ee4\u3059\u308b\u3053\u3068\u306b\u306a\u3063\u3066\u3044\u308b\u3002\u4fdd\u967a\u4f1a\u793e\u304c\u5012\u7523\u3057\u305f\u5834\u5408\u3001\u898f\u5236\u5f53\u5c40\u306f\u5e02\u5834\u3067\u95a2\u5fc3\u306e\u3042\u308b\u5225\u306e\u4fdd\u967a\u4f1a\u793e\u3092\u63a2\u3057\u3066\u8cb7\u53ce\u3059\u308b\u3053\u3068\u306b\u306a\u308b\u3002\u8cb7\u53ce\u5f8c\u306f\u3001\u57fa\u672c\u7684\u306b\u306f\u3059\u3079\u3066\u306e\u9000\u8077\u4fdd\u967a\u5951\u7d04\u8005\u3068\u305d\u306e\u4fdd\u967a\u306e\u7279\u5178\u304a\u3088\u3073\u73fe\u91d1\u4fa1\u5024\u306b\u306f\u4f55\u306e\u5f71\u97ff\u3082\u306a\u3044\u3002<\/span><\/p>\n

Q.UL\u3068IUL\u3068\u306f\u4f55\u304b?<\/span><\/h2>\n

A.UL\u306f\u30e6\u30cb\u30d0\u30fc\u30b5\u30eb\u751f\u547d\u4fdd\u967a\u306e\u7565\u3002\u305d\u3057\u3066IUL\u306f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u30fb\u30e6\u30cb\u30d0\u30fc\u30b5\u30eb\u30fb\u30e9\u30a4\u30d5\u30fb\u30a4\u30f3\u30b7\u30e5\u30a2\u30e9\u30f3\u30b9\u306e\u7565\u3002\u3069\u3061\u3089\u3082\u4fdd\u967a\u6599\u306b\u67d4\u8edf\u6027\u304c\u3042\u308a\u3001\u4fdd\u967a\u91d1\u984d\u306b\u5fdc\u3058\u3066\u8abf\u6574\u3067\u304d\u308b\u7d42\u8eab\u4fdd\u967a\u3068\u306a\u3063\u3066\u3044\u308b\u3002<\/span><\/p>\n

Q.UL\u3068IUL\u306b\u306f\u3069\u3046\u3044\u3046\u9055\u3044\u304c\u3042\u308b\u304b?<\/span><\/h2>\n

A.UL\u306e\u6295\u8cc7\u53ce\u76ca\u306b\u5fdc\u3058\u305f\u53ce\u76ca\u7387\u306f\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u5ba3\u8a00\u7b97\u51fa\u3001\u516c\u958b\u3055\u308c\u3001\u4fdd\u8a3c\u3055\u308c\u308b\u3002IUL\u306e\u53ce\u76ca\u7387\u306f\u30a4\u30f3\u30c7\u30c3\u30af\u30b9\u306e\u30d1\u30d5\u30a9\u30fc\u30de\u30f3\u30b9\u3068\u9023\u52d5\u3057\u3066\u3044\u3066\u3001\u975e\u4fdd\u8a3c\u578b\u3067\u3042\u308b\u3002<\/span><\/p>\n

Q.\u300c\u30ad\u30e3\u30c3\u30d7\uff08Cap\uff09\u300d\u3068\u306f\u3069\u3046\u3044\u3046\u610f\u5473\u304b\uff1f<\/span><\/h2>\n

A.\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u3063\u3066\u4e0e\u3048\u3089\u308c\u308bIUL\u8fd4\u623b\u91d1\u5229\u306f\u4fdd\u8a3c\u3055\u308c\u3066\u304a\u3089\u305a\u3001\u6307\u6570\u304c\u3069\u308c\u3060\u3051\u4e0a\u6607\u3057\u305f\u304b\u306b\u95a2\u4fc2\u306a\u304f\u3001\u4fdd\u967a\u5951\u7d04\u8005\u306b\u5206\u914d\u3055\u308c\u308b\u6700\u5927\u5272\u5408\u306b\u306f\u300c\u4e0a\u9650\u300d\u307e\u305f\u306f\u300c\u4e0a\u9650\u300d\u304c\u3042\u308a\u3001\u305d\u308c\u3092\u30ad\u30e3\u30c3\u30d7\u3068\u3044\u3046\u3002<\/span><\/p>\n

Q.\u300c\u30bc\u30ed\u30d5\u30ed\u30a2\uff08Zero floor\uff09\u300d\u3068\u306f\u3069\u3046\u3044\u3046\u610f\u5473\u304b\uff1f<\/span><\/h2>\n

A.\u6307\u6570\u304c\u30de\u30a4\u30ca\u30b9\u72b6\u614b\u306b\u9665\u3063\u305f\u5834\u5408\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u9867\u5ba2\u306b\u640d\u5931\u304c\u751f\u3058\u306a\u3044\u3053\u3068\u3092\u4fdd\u8a3c\u3059\u308b\u3002<\/span><\/p>\n

Q.IUL\u904b\u7528\u306e\u969b\u306e\u4fdd\u967a\u6599\u652f\u6255\u3044\u306b\u5bfe\u3059\u308b\u6295\u8cc7\u30aa\u30d7\u30b7\u30e7\u30f3\/\u9078\u629e\u80a2\u306b\u306f\u3069\u3046\u3044\u3046\u3082\u306e\u304c\u3042\u308b\u304b?<\/span><\/h2>\n

A.\u9867\u5ba2\u306f\u8cc7\u91d1\u914d\u5206\u306e\u305f\u3081\u306b3\u3064\u306e\u53e3\u5ea7\u3092\u9078\u629e\u3067\u304d\u308b\u3002<\/span>
\n1)\u8fd4\u6e08\u91d1\u5229\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u308b\u9280\u884c\u306e\u5b9a\u671f\u9810\u91d1\u306e\u3088\u3046\u306a\u56fa\u5b9a\u53e3\u5ea7<\/span>
\n2)S&P500<\/span>
\n3)\u30e6\u30fc\u30edStoxx50<\/span><\/p>\n

Q.\u300c\u4fdd\u6709\u53e3\u5ea7\uff08Holding Account\uff09\u300d\u3068\u306f\u4f55\u304b\uff1f<\/span><\/h2>\n

A.\u4fdd\u967a\u6599\u306f\u6bce\u670815\u65e5\u306b\u9078\u629e\u3055\u308c\u305f\u53e3\u5ea7\u306b\u632f\u308a\u8fbc\u307e\u308c\u308b\u307e\u3067\u4fdd\u6709\u53e3\u5ea7\u306b\u4fdd\u6301\u3055\u308c\u308b\u3002\u305d\u3057\u3066\u9867\u5ba2\u304c\u66f4\u65b0\u3055\u308c\u305f\u4fdd\u967a\u6599\u914d\u5206\u30d5\u30a9\u30fc\u30e0\u3092\u63d0\u4f9b\u3059\u308b\u307e\u3067\u540c\u3058\u8cc7\u91d1\u914d\u5206\u304c\u7d99\u7d9a\u3055\u308c\u308b\u3002\u4fdd\u6709\u53e3\u5ea7\u306e\u8cc7\u91d1\u306b\u3082\u3001\u56fa\u5b9a\u53e3\u5ea7\u3068\u540c\u3058\u91d1\u5229\u3068\u91d1\u5229\u304c\u767a\u751f\u3059\u308b\u3002<\/span><\/p>\n

Q.\u30d1\u30f3\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30e9\u30a4\u30d5\u306b\u52a0\u5165\u3067\u304d\u308b\u4eba\u306f?<\/span><\/h2>\n

A.\u7c73\u56fd\u306e\u5236\u88c1\u4e0b\u306b\u3042\u308b\u56fd\u304a\u3088\u3073\u7c73\u56fd\u672c\u571f\u306b\u5c45\u4f4f\u3059\u308b\u7c73\u56fd\u56fd\u6c11\u304a\u3088\u3073\u30b0\u30ea\u30fc\u30f3\u30ab\u30fc\u30c9\u6240\u6709\u8005\u3092\u9664\u304f\u3059\u3079\u3066\u306e\u56fd\u30fb\u5730\u57df\u306e\u4eba\u304c\u30d1\u30f3\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30e9\u30a4\u30d5\u3092\u8cfc\u5165\u3059\u308b\u8cc7\u683c\u304c\u3042\u308b\u3002<\/span><\/p>\n

Q.\u30d1\u30f3\u30a2\u30e1\u30ea\u30ab\u30f3\u30fb\u30e9\u30a4\u30d5\u306b\u52a0\u5165\u3059\u308b\u306b\u306f\u3069\u3046\u3059\u308c\u3070\u826f\u3044\u304b?<\/span><\/h2>\n

A.\u6b21\u306e2\u3064\u306e\u65b9\u6cd5\u304c\u3042\u308b\u3002<\/span>
\n1)\u9999\u6e2f\u307e\u305f\u306f\u30b7\u30f3\u30ac\u30dd\u30fc\u30eb\u3092\u8a2a\u308c\u3066\u5065\u5eb7\u8a3a\u65ad\u3092\u53d7\u3051\u3001\u7533\u8acb\u66f8\u306b\u7f72\u540d\u30fb\u63d0\u51fa\u3059\u308b\u3002<\/span>
\n2)\u5c45\u4f4f\u56fd\u3067\u30de\u30b9\u30bf\u30fc\u30c8\u30e9\u30b9\u30c8\u30e2\u30fc\u30c9\u3067\u7533\u8acb\u3059\u308b\u3002<\/span>
\n\u5065\u5eb7\u8a3a\u65ad\u306f\u4fdd\u967a\u91d1\u984d\u304c60\u4e07\u7c73\u30c9\u30eb\u306e\u533b\u7642\u8cbb\u4ee5\u5916\u306e\u9650\u5ea6\u984d\u3092\u8d85\u3048\u3001<\/span>
\n50\u6b73\u4ee5\u4e0a\u306e\u5834\u5408\u3001\u6307\u5b9a\u3055\u308c\u305f\u30af\u30ea\u30cb\u30c3\u30af\/\u75c5\u9662\u3067\u53d7\u3051\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002<\/span>
\n\u30de\u30b9\u30bf\u30fc\u30c8\u30e9\u30b9\u30c8\u306e\u624b\u6570\u6599\u3068\u5065\u5eb7\u8a3a\u65ad\u306e\u8cbb\u7528\u306f\u7121\u6599\u3002<\/span><\/p>\n

Q,\u8a2d\u8a08\u66f8\uff08Illustration\uff09\u4e2d\u306e\u4fdd\u8a3c\u4fa1\u5024\uff08GuaranteedValue\uff09\u3001\u4ee3\u66ff\u30b9\u30b1\u30fc\u30eb\u4fa1\u5024\uff08AlternateScaleValue\uff09\u3001\u73fe\u5728\u4fa1\u5024\uff08CurrentValue\uff09\u306e\u610f\u5473\u306f\u4f55\u3067\u3059\u304b?<\/span><\/h2>\n

\"\"<\/a><\/span><\/p>\n

A.\u7c73\u56fd\u3067\u306f\u898f\u5236\u5f53\u5c40\u304c\u4fdd\u967a\u4f1a\u793e\u306b\u5bfe\u3057\u3001\u60b2\u89b3\u7684\uff08Pessimistic\uff09\u3001\u4e2d\u7a0b\u5ea6\uff08Moderate\uff09\u3001\u697d\u89b3\u7684\uff08optimistic\uff09\u306a\u72b6\u6cc1\u306e3\u3064\u306e\u30b7\u30ca\u30ea\u30aa\u3067\u8fd4\u623b\u7387\u304c\u3069\u306e\u3088\u3046\u306b\u306a\u308b\u304b\u3092\u4e88\u6e2c\u3059\u308b\u3088\u3046\u6c42\u3081\u3066\u3044\u308b\u3002<\/span><\/p>\n

\u2022\u4fdd\u8a3c\u4fa1\u5024\uff08GuaranteedValue\uff09<\/span>
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A.\u4fdd\u967a\u5951\u7d04\u306e\u73fe\u91d1\u4fa1\u5024\u304c\u4eca\u5f8c\u6570\u5e74\u9593\u306e\u7ba1\u7406\u30b3\u30b9\u30c8\u3068\u4fdd\u967a\u30b3\u30b9\u30c8(COI)\u3092\u652f\u6255\u3046\u306e\u306b\u5341\u5206\u3067\u3042\u308b\u9650\u308a\u3001\u4e00\u6642\u7684\u306b\u4fdd\u967a\u6599\u306e\u652f\u6255\u3044\u3092\u505c\u6b62\u3057\u305f\u308a\u3001\u4fdd\u967a\u6599\u306e\u652f\u6255\u3044\u3092\u8efd\u6e1b\u3057\u305f\u308a\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002<\/span><\/p>\n

Q.\u984d\u9762\u91d1\u984d\uff08\u4fdd\u967a\u91d1\u984d\uff09\u3092\u6e1b\u984d\u307e\u305f\u306f\u5897\u984d\u3059\u308b\u3053\u3068\u306f\u3067\u304d\u308b\u304b\uff1f<\/span><\/h2>\n

A.\u5927\u304d\u306a\u4fdd\u969c\u984d\u304c\u5fc5\u8981\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u306f\u3001\u984d\u9762\u91d1\u984d\u3092\u5fc5\u8981\u306a\u91d1\u984d\u307e\u3067\u6e1b\u984d\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002\u5897\u52a0\u91cf\u306b\u3088\u3063\u3066\u306f\u5065\u5eb7\u8a3a\u65ad\u304c\u5fc5\u8981\u3068\u306a\u308b\u5834\u5408\u304c\u3042\u308b\u3002<\/span><\/p>\n

Q.\u6cd5\u4eba\u540d\u7fa9\u3067\u4fdd\u967a\u306b\u52a0\u5165\u3067\u304d\u308b\u304b\uff1f<\/span><\/h2>\n

A.\u6cd5\u4eba\u540d\u3092\u4fdd\u967a\u5951\u7d04\u8005\u3068\u3057\u3001\u30ad\u30fc\u30d1\u30fc\u30bd\u30f3\u307e\u305f\u306f\u7d4c\u55b6\u8005\u3092\u88ab\u4fdd\u967a\u8005\u3068\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u3002<\/span>
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