Annual Report 2009
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Major Types of InsuranceLIFE INSURANCEComprehensive Life InsuranceComprehensive life insurance is a general term encompassingfive basic types of life insurance. A comprehensive range ofbenefits, including those for death, disability, hospitalization, and medical treatment, is obtainable by combining variousriders from each type. 1 Whole Life InsuranceUnder this policy, claims are paid upon death or serious disability of the insured. The objective is to protect the livelihood of the family of the insured.Conditions can be changed according to policyholder needs. 2 Endowment Life InsuranceUnder this policy, claims are paid upon death or serious disability of the insured, or survival beyond the maturity date. The objective is to protect the livelihood of the family of the insured and to serve as a savings vehicle to help provide financial security to policyholders during old age. 3 Term Life InsuranceUnder this policy, claims are paid upon death or serious disability of the insured. The objective is to protect the livelihood of the family of the insured.Since claims are not paid on maturity, premiums are less expensive than those for Endowment Life Insurance. 4 Annuity InsuranceUnder this policy, annuities are paid every year beyond a datespecified in the policy, throughout the lifetime of the insured tohelp provide financial security. 5 Children's InsuranceThis insurance systematically accumulates funds for the education, marriage, and so on of policyholders’ children. Claims are paid upon death or serious disability of the insured, or survival beyond the maturity date or prescribed age, or upon the death or disability of the policyholder (insured’s parent or relative). In the event that the policyholder dies or suffers serious disability, an endowment pension is paid and premium payments are no longer required. 6 Medical InsuranceThis policy covers the cost of hospitalization, including surgery, in the event of illness or injury. In addition to whole-life plans, limited period plans (Term Medical Insurance) are also available.NON-LIFE INSURANCEBuilding Endowment InsuranceThis policy insures buildings and movable property owned by the policyholder or a relative of the policyholder against damage caused by fire, earthquake, or other natural disaster. Payment is also made upon death or serious injury of the policyholder or family members due to fire, earthquake, or other natural disaster.Additionally, if the insured buildings or movable property survive intact beyond the maturity date, this insurance supplies funds for reconstruction or repurchase.TYPES OF INSURANCE7ANNUAL REPORT 2009

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