人間には不幸か、貧乏か、勇気が必要だ。
でないと 人間はすぐに思いあがる。 = ツルゲーネフ

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2009年2月12日

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。)

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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・・・。

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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