No.372 朝三暮四にならないように

話していると
思わず夢を語りたくなる相手と
評判の竹内美紀です。

漠然とした将来への不安を
明確な課題に変え、
最初の一歩をいっしょに踏み出します。

 

社長のところに
保険会社の人から
提案書が届いていました。

一見、良さそうにみえますが
ちゃんと分析しなくては
いけません。

その保険は、だんだん保障が
小さくなる逓減定期保険というタイプです。

7・6・5・4・4・4

という感じで保障が減っていきます。

1年目は亡くなったら
7000万円、2年目は6000万円・・・
死亡保障を受け取れます。(数字は例です)

今、3年目なので

5・4・4・4

そこに、保障期間を1年延ばし

6・4・3・2・2

の提案です。グラフにすると
こんな感じ↓

過去の分はなくして

さて、社長さん。
どう思います?
保険料は少し安くなっています。

 

朝三暮四ですね。
両方ともこれからの保障額の合計は14です。

朝三暮四とは
目先の違いにごまかされ結果は同じということです。

猿が増えて家計が苦しくなったため、飼っている猿に与える餌を減らそうと考え、狙公は「これからはトチの実(どんぐり)を朝に三つ、暮れに四つやる」と言ったが、猿が「少ない」と怒ったため、「朝に四つ、暮れに三つやる」と言い直したところ、猿はとても喜んで承知したというものである

語源由来辞典より

 

この提案の場合、
単純に目先を変えたということでは
ないのですが、

その内容が
社長の目的に合っているか
大切です。

 

今回の目的は借入金対策。
グラフのカタチを変えることで
借入金の返済のカタチと
合わなくなってしまいました。

 

そこで、このように
変えていただきました。
保険料はほぼ変わらず
保障も大きく、長くなりました。

思ったように
借入金が返せなかった分も
カバーしてくれます。

 

いい感じですね。
借入金返済が終わったら
解約も検討です。

 

ただ、保険料が安くなるから。
損金に落とせるから。

そんな提案があっても

自分の目的に合っているか。

しっかり考えて検討しましょうね。

 

Since 2017.9.1(80.81/240)

思わず夢を語りたくなる ライフプラン実現の専門家 竹内 美紀

mail:info@takeuchifp.com  URL:http://takeuchifp.com
〒3440064 埼玉県春日部市南1-1-7
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