●保険メモ
いろいろ保険の話をきかせてもらいました。
(ありがとうございました。)
とりあえず数字だけメモすると
一生涯支払う保険料の平均が 1500万円
受け取れる保険料の平均が 170万円
期待値が10分の1程度って事らしい。
サマージャンボ宝くじかっ、ちゅうねん。
確率だけの話なら競馬にいった方が遙かによい
ちなみに、
過去3年間の受取保険料合計 : 145,262億円
過去3年間の支払保険金合計 : 129,212億円
こんな解答が
http://detail.chiebukuro.yahoo.co.jp/qa/question_detail/q1313005988
さっき聞いた話から行けば、預かった分支払う「積立型」ってので分母も分子も同数増加しているのだとも思える。結局利息部分は殆ど保険会社に持って行かれ、掛け捨ては期待値12%ということなのだろうか。。。
最も、事故が起きた時に支払われる。と言う点が保険のメリットではあるのだけど・・・。
ちなみに、この差額はほとんどが人件費(販売報酬)だろうとも思われる。
確率をきちんと計算すれば
1500万で1400万の保険金だってできるんではなかろうか。
人の弱みにつけ込んで・・・なめとる。
今日説明を頂いた方は、こーいう「詐欺」に憤るところがあって
保険の仕事に就いているとか。頼みますよ。
ちなみに、またちゃんとP/Lとかみてみなきゃいけないね。
けど今日は寝る。(こんなんばっかり。)
コメント
保険って、どんなに説明を受けてもよくわかりません。。。
保険屋さんが言うことって、何言っても嘘に聞こえる・・・。
Posted by: Marko | 2009年2月12日 11:54
そうなんですよねぇ。
人の不安につけ込む商売というのは、なかなか信用しがたいところがありますよねぇ・・・。
必要ではあるのですが・・・。
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