{"id":800,"date":"2025-04-09T18:10:29","date_gmt":"2025-04-09T09:10:29","guid":{"rendered":"https:\/\/www.life-assist.jp\/hoken-column\/?p=800"},"modified":"2025-04-09T22:27:09","modified_gmt":"2025-04-09T13:27:09","slug":"%e5%a4%89%e9%a1%8d%e4%bf%9d%e9%99%ba%e3%81%ae%e5%95%8f%e9%a1%8c%e7%82%b9%e3%81%a8%e5%af%be%e7%ad%96%ef%bc%81%e5%b0%82%e9%96%80%e5%ae%b6%e3%81%8c%e8%ad%a6%e5%91%8a%e3%81%99%e3%82%8b5%e3%81%a4%e3%81%ae","status":"publish","type":"post","link":"https:\/\/www.life-assist.jp\/hoken-column\/basic\/article-800\/","title":{"rendered":"\u5909\u984d\u4fdd\u967a\u306e\u554f\u984c\u70b9\u3068\u5bfe\u7b56\uff01\u5c02\u9580\u5bb6\u304c\u8b66\u544a\u3059\u308b5\u3064\u306e\u30ea\u30b9\u30af\u3068\u5931\u6557\u3057\u306a\u3044\u5951\u7d04\u65b9\u6cd5"},"content":{"rendered":"\n<p>\u5909\u984d\u4fdd\u967a\u306f\u9b45\u529b\u7684\u306a\u8cc7\u7523\u5f62\u6210\u624b\u6bb5\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u308b\u4e00\u65b9\u3067\u3001\u904b\u7528\u30ea\u30b9\u30af\u3084\u5546\u54c1\u6027\u306e\u8907\u96d1\u3055\u304b\u3089\u69d8\u3005\u306a\u554f\u984c\u304c\u767a\u751f\u3057\u3066\u3044\u307e\u3059\u3002\u672c\u8a18\u4e8b\u3067\u306f\u3001\u5909\u984d\u4fdd\u967a\u304c\u62b1\u3048\u308b5\u3064\u306e\u91cd\u5927\u306a\u554f\u984c\u70b9\u3068\u3001\u5931\u6557\u3057\u306a\u3044\u305f\u3081\u306e\u5177\u4f53\u7684\u306a\u5bfe\u7b56\u306b\u3064\u3044\u3066\u3001\u5b9f\u4f8b\u3092\u4ea4\u3048\u306a\u304c\u3089\u5c02\u9580\u5bb6\u306e\u8996\u70b9\u3067\u89e3\u8aac\u3057\u307e\u3059\u3002<br><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5909\u984d\u4fdd\u967a\u3067\u554f\u984c\u304c\u767a\u751f\u3059\u308b\u80cc\u666f<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXe57l03T3TyKusECyt2kpgqBwNGB32xkBcSlGnIcQZz4gG8z9f2DXdanjOLnXvQd5IROntjNpJOn4hOiIHP-NxV8Kr1uVbpa32pQiqqnFNG1FLaMC1WLRv-OEOQZvJ5X6I4DttFdg?key=M6POhbQFcmLxS7zK9xdukYL5\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u306f1980\u5e74\u4ee3\u5f8c\u534a\u306e\u30d0\u30d6\u30eb\u671f\u306b\u3001<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/seimeihoken\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"\u751f\u547d\u4fdd\u967a\">\u751f\u547d\u4fdd\u967a<\/a>\u4f1a\u793e\u304c\u76f8\u7d9a\u7a0e\u5bfe\u7b56\u5546\u54c1\u3068\u3057\u3066\u7a4d\u6975\u7684\u306b\u8ca9\u58f2\u3092\u958b\u59cb\u3057\u305f\u5546\u54c1\u3067\u3059\u3002\u3053\u306e\u4fdd\u967a\u5546\u54c1\u306f\u3001<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/seimeihoken\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"\u751f\u547d\u4fdd\u967a\">\u751f\u547d\u4fdd\u967a<\/a>\u3068<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/investment-trusts\/\" data-internallinksmanager029f6b8e52c=\"49\" title=\"\u6295\u8cc7\u4fe1\u8a17\">\u6295\u8cc7\u4fe1\u8a17<\/a>\u3092\u7d44\u307f\u5408\u308f\u305b\u305f\u8907\u96d1\u306a\u4ed5\u7d44\u307f\u3092\u6301\u3061\u3001\u5951\u7d04\u8005\u304c\u904b\u7528\u30ea\u30b9\u30af\u3092\u8ca0\u3046\u7279\u5fb4\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u554f\u984c\u767a\u751f\u306e\u4e3b\u306a\u8981\u56e0<\/h3>\n\n\n\n<h4 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alt=\"\"\/><\/figure>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u306f\u8cc7\u7523\u5f62\u6210\u3068\u4fdd\u969c\u3092\u517c\u306d\u5099\u3048\u305f\u5546\u54c1\u3068\u3057\u3066\u6ce8\u76ee\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u8907\u96d1\u306a\u5546\u54c1\u6027\u3068\u904b\u7528\u30ea\u30b9\u30af\u304b\u3089\u3001\u69d8\u3005\u306a\u554f\u984c\u304c\u6307\u6458\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u3053\u3053\u3067\u306f\u3001\u5909\u984d\u4fdd\u967a\u304c\u62b1\u3048\u308b5\u3064\u306e\u91cd\u5927\u306a\u554f\u984c\u70b9\u306b\u3064\u3044\u3066\u3001\u5177\u4f53\u7684\u306a\u4e8b\u4f8b\u3092\u4ea4\u3048\u306a\u304c\u3089\u8a73\u3057\u304f\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5143\u672c\u5272\u308c\u30ea\u30b9\u30af\u306b\u3088\u308b\u640d\u5931\u554f\u984c<\/h3>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u306f\u4fdd\u967a\u6599\u306e\u4e00\u90e8\u3092\u682a\u5f0f\u3084\u50b5\u5238\u3001<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/investment-trusts\/\" data-internallinksmanager029f6b8e52c=\"49\" title=\"\u6295\u8cc7\u4fe1\u8a17\">\u6295\u8cc7\u4fe1\u8a17<\/a>\u7b49\u3067\u904b\u7528\u3059\u308b\u5546\u54c1\u3067\u3042\u308a\u3001\u904b\u7528\u5b9f\u7e3e\u306b\u3088\u3063\u3066\u306f\u6e80\u671f\u4fdd\u967a\u91d1\u3084\u89e3\u7d04\u8fd4\u623b\u91d1\u304c\u6255\u8fbc\u4fdd\u967a\u6599\u7dcf\u984d\u3092\u4e0b\u56de\u308b\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002\u7279\u306b\u3001\u6e80\u671f\u3084\u89e3\u7d04\u306e\u30bf\u30a4\u30df\u30f3\u30b0\u3067\u5e02\u5834\u74b0\u5883\u304c\u60aa\u5316\u3057\u3066\u3044\u308b\u5834\u5408\u3001\u5927\u304d\u306a\u640d\u5931\u306b\u3064\u306a\u304c\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 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class=\"wp-block-heading\">\u904b\u7528\u5b9f\u7e3e\u306b\u3088\u308b\u4fdd\u969c\u984d\u5909\u52d5\u306e\u554f\u984c<\/h3>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u306f\u904b\u7528\u5b9f\u7e3e\u306b\u3088\u308a\u4fdd\u967a\u91d1\u984d\u304c\u5909\u52d5\u3059\u308b\u305f\u3081\u3001\u5fc5\u8981\u306a\u6642\u671f\u306b\u5341\u5206\u306a\u4fdd\u969c\u304c\u5f97\u3089\u308c\u306a\u3044\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002\u6b7b\u4ea1\u4fdd\u967a\u91d1\u306f\u57fa\u672c\u4fdd\u967a\u91d1\u984d\u304c\u6700\u4f4e\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u6e80\u671f\u4fdd\u967a\u91d1\u3084\u89e3\u7d04\u8fd4\u623b\u91d1\u306b\u306f\u6700\u4f4e\u4fdd\u8a3c\u304c\u306a\u3044\u305f\u3081\u3001\u5e02\u5834\u74b0\u5883\u306e\u60aa\u5316\u306b\u3088\u308a\u5927\u304d\u304f\u76ee\u6e1b\u308a\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5951\u7d04\u8005\u4fdd\u8b77\u306e\u5236\u5ea6\u7684\u554f\u984c<\/h3>\n\n\n\n<p><a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/seimeihoken\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"\u751f\u547d\u4fdd\u967a\">\u751f\u547d\u4fdd\u967a<\/a>\u4f1a\u793e\u304c\u7834\u7dbb\u3057\u305f\u5834\u5408\u3001\u4fdd\u967a\u5951\u7d04\u8005\u4fdd\u8b77\u6a5f\u69cb\u306b\u3088\u308b\u4fdd\u8b77\u306f\u3042\u308a\u307e\u3059\u304c\u3001\u5909\u984d\u4fdd\u967a\u306e\u904b\u7528\u90e8\u5206\u306b\u3064\u3044\u3066\u306f\u4fdd\u8b77\u306e\u5bfe\u8c61\u5916\u3068\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u9ad8\u9f62\u8005\u3078\u306e\u8ca9\u58f2\u306b\u304a\u3051\u308b\u8aac\u660e\u4e0d\u8db3\u3084\u4e0d\u9069\u5207\u306a\u52e7\u8a98\u306a\u3069\u3001\u5951\u7d04\u8005\u4fdd\u8b77\u306e\u89b3\u70b9\u304b\u3089\u69d8\u3005\u306a\u554f\u984c\u304c\u6307\u6458\u3055\u308c\u3066\u3044\u307e\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306e\u7834\u7dbb\u6642\u306b\u306f\u3001\u4fdd\u967a\u5951\u7d04\u8005\u3078\u306e\u5f71\u97ff\u304c\u6df1\u523b\u306a\u3082\u306e\u3068\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u3001\u91d1\u878d\u30b5\u30fc\u30d3\u30b9\u30bb\u30af\u30bf\u30fc\u3078\u306e\u3088\u308a\u5e83\u7bc4\u306a\u6df7\u4e71\u3092\u3082\u305f\u3089\u3059\u30ea\u30b9\u30af\u3082\u5b58\u5728\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u5909\u984d\u4fdd\u967a\u306e\u30c8\u30e9\u30d6\u30eb\u4e8b\u4f8b\u3068\u5bfe\u7b56<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfg1Eetf8CphdpTHRb5UtBSuECvgn583iATNoqkSyxRyOD94IwnlOMsqp6oqsJHrFGVjIaac9oYs57hWVO1yV50-bga13M8qpR10eCcKaeTkK3aS1thiGzt0GzBv5pvqAzxNlfo?key=M6POhbQFcmLxS7zK9xdukYL5\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u306b\u95a2\u3059\u308b\u6d88\u8cbb\u8005\u30c8\u30e9\u30d6\u30eb\u306f\u4f9d\u7136\u3068\u3057\u3066\u5f8c\u3092\u7d76\u3061\u307e\u305b\u3093\u3002\u3053\u3053\u3067\u306f\u3001\u5b9f\u969b\u306e\u76f8\u8ac7\u4e8b\u4f8b\u304b\u3089\u898b\u3048\u308b\u554f\u984c\u70b9\u3068\u3001\u30c8\u30e9\u30d6\u30eb\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u306e\u5177\u4f53\u7684\u306a\u5bfe\u7b56\u306b\u3064\u3044\u3066\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">2019\u5e74\u5ea6\u306e\u76f8\u8ac7\u4ef6\u6570\u3068\u4e3b\u306a\u5185\u5bb9<\/h3>\n\n\n\n<p>2019\u5e74\u5ea6\u306b\u304a\u3051\u308b\u7279\u5b9a<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/seimeihoken\/\" data-internallinksmanager029f6b8e52c=\"2\" title=\"\u751f\u547d\u4fdd\u967a\">\u751f\u547d\u4fdd\u967a<\/a>\uff08\u5909\u984d\u4fdd\u967a\u30fb<a href=\"https:\/\/www.life-assist.jp\/hoken-column\/glossary\/variable-individual-annuity\/\" data-internallinksmanager029f6b8e52c=\"48\" title=\"\u5909\u984d\u500b\u4eba\u5e74\u91d1\">\u5909\u984d\u500b\u4eba\u5e74\u91d1<\/a>\u4fdd\u967a\u30fb\u5916\u8ca8\u5efa\u3066\u4fdd\u967a\u306a\u3069\uff09\u306b\u95a2\u3059\u308b\u76f8\u8ac7\u4ef6\u6570\u306f321\u4ef6\u3067\u30012018\u5e74\u5ea6\u306e601\u4ef6\u304b\u3089\u5927\u5e45\u306b\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002\u76f8\u8ac7\u8005\u306e\u7279\u5fb4\u3068\u3057\u3066\u300160\u6b73\u4ee3\u4ee5\u4e0a\u304c\u5168\u4f53\u306e7\u5272\u4ee5\u4e0a\u3092\u5360\u3081\u3066\u304a\u308a\u3001\u8aac\u660e\u4e0d\u8db3\u3084\u5546\u54c1\u7406\u89e3\u304c\u4e0d\u5341\u5206\u306a\u307e\u307e\u5951\u7d04\u3059\u308b\u30b1\u30fc\u30b9\u304c\u76ee\u7acb\u3061\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u3088\u304f\u3042\u308b\u5931\u6557\u30d1\u30bf\u30fc\u30f3\u3068\u56de\u907f\u65b9\u6cd5<\/h3>\n\n\n\n<p>\u6700\u3082\u591a\u3044\u5931\u6557\u30d1\u30bf\u30fc\u30f3\u306f\u3001\u5546\u54c1\u6027\u3092\u5341\u5206\u7406\u89e3\u3057\u306a\u3044\u307e\u307e\u5951\u7d04\u3057\u3066\u3057\u307e\u3046\u30b1\u30fc\u30b9\u3067\u3059\u3002\u300c\u5143\u672c\u4fdd\u8a3c\u3060\u3068\u601d\u3063\u3066\u3044\u305f\u300d\u300c\u8cc7\u7523\u5f62\u6210\u304c\u76ee\u7684\u3067\u52a0\u5165\u3057\u305f\u304c\u601d\u3063\u305f\u307b\u3069\u5897\u3048\u306a\u304b\u3063\u305f\u300d\u3068\u3044\u3063\u305f\u8aa4\u8a8d\u8b58\u306b\u3088\u308b\u554f\u984c\u304c\u983b\u767a\u3057\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u9ad8\u9f62\u8005\u3078\u306e\u4e0d\u9069\u5207\u306a\u52e7\u8a98\u3084\u3001\u8907\u6570\u306e\u5951\u7d04\u3092\u6b21\u3005\u3068\u7de0\u7d50\u3055\u305b\u3089\u308c\u308b\u30b1\u30fc\u30b9\u3082\u5831\u544a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n\n\n\n<p>\u3053\u308c\u3089\u3092\u56de\u907f\u3059\u308b\u305f\u3081\u306b\u306f\u3001\u904b\u7528\u30ea\u30b9\u30af\u3084\u624b\u6570\u6599\u306b\u3064\u3044\u3066\u5341\u5206\u306a\u8aac\u660e\u3092\u53d7\u3051\u3001\u7406\u89e3\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u7279\u306b\u3001\u6e80\u671f\u4fdd\u967a\u91d1\u3084\u89e3\u7d04\u8fd4\u623b\u91d1\u306b\u306f\u6700\u4f4e\u4fdd\u8a3c\u304c\u306a\u3044\u3053\u3068\u3092\u8a8d\u8b58\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u5951\u7d04\u524d\u306b\u78ba\u8a8d\u3059\u3079\u304d\u30c1\u30a7\u30c3\u30af\u30dd\u30a4\u30f3\u30c8<\/h3>\n\n\n\n<p>\u5951\u7d04\u524d\u306b\u306f\u4ee5\u4e0b\u306e\u70b9\u3092\u5fc5\u305a\u78ba\u8a8d\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>\u5951\u7d04\u6982\u8981\u3068\u6ce8\u610f\u559a\u8d77\u60c5\u5831\u3092\u3057\u3063\u304b\u308a\u8aad\u307f\u3001\u5546\u54c1\u306e\u4ed5\u7d44\u307f\u3092\u7406\u89e3\u3059\u308b<\/li>\n\n\n\n<li>\u904b\u7528\u30ea\u30b9\u30af\u3068\u70ba\u66ff\u5909\u52d5\u30ea\u30b9\u30af\uff08\u5916\u56fd\u682a\u5f0f\u578b\u3084\u5916\u56fd\u50b5\u5238\u578b\u306a\u3069\u306e\u5834\u5408\uff09\u306b\u3064\u3044\u3066\u8aac\u660e\u3092\u53d7\u3051\u308b<\/li>\n\n\n\n<li>\u89e3\u7d04\u6642\u306e\u624b\u6570\u6599\u8ca0\u62c5\u3084\u89e3\u7d04\u63a7\u9664\u306b\u3064\u3044\u3066\u78ba\u8a8d\u3059\u308b<\/li>\n\n\n\n<li>\u81ea\u8eab\u306e\u6295\u8cc7\u76ee\u7684\u3084\u904b\u7528\u671f\u9593\u304c\u5546\u54c1\u7279\u6027\u306b\u5408\u3063\u3066\u3044\u308b\u304b\u691c\u8a0e\u3059\u308b<\/li>\n<\/ul>\n\n\n\n<p>\u7279\u306b\u91cd\u8981\u306a\u306e\u306f\u3001\u5951\u7d04\u524d\u306b\u300c\u91cd\u8981\u4e8b\u9805\u8aac\u660e\u66f8\u300d\u306e\u5185\u5bb9\u3092\u5341\u5206\u306b\u78ba\u8a8d\u3057\u3001\u4e0d\u660e\u306a\u70b9\u304c\u3042\u308c\u3070\u5fc5\u305a\u8cea\u554f\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u307e\u305f\u3001\u5951\u7d04\u6642\u306b\u306f\u5bb6\u65cf\u306b\u3082\u76f8\u8ac7\u3057\u3001\u8907\u6570\u306e\u76ee\u3067\u5951\u7d04\u5185\u5bb9\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u52a0\u5165\u5224\u65ad\u306e\u305f\u3081\u306e\u91cd\u8981\u30dd\u30a4\u30f3\u30c8<\/h2>\n\n\n\n<figure class=\"wp-block-image\"><img decoding=\"async\" src=\"https:\/\/lh7-rt.googleusercontent.com\/docsz\/AD_4nXfTQf6Rp4s9-17yH4YTvm6F-bnyHQCOX7PG9CcK-GkfXrJJqscpRYgduU7-UIWDK3_Y9V4leXEAySEfJ2cX-YBmFAgEHfz6AOTOcmdYA0ozPKWIY-jA4W0qg5wP08Q_BymqsUfC4A?key=M6POhbQFcmLxS7zK9xdukYL5\" alt=\"\"\/><\/figure>\n\n\n\n<p>\u5909\u984d\u4fdd\u967a\u3078\u306e\u52a0\u5165\u3092\u691c\u8a0e\u3059\u308b\u969b\u306f\u3001\u81ea\u8eab\u306e\u72b6\u6cc1\u3092\u5ba2\u89b3\u7684\u306b\u5206\u6790\u3057\u3001\u5546\u54c1\u7279\u6027\u3068\u306e\u9069\u5408\u6027\u3092\u614e\u91cd\u306b\u5224\u65ad\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4ee5\u4e0b\u306e3\u3064\u306e\u30dd\u30a4\u30f3\u30c8\u304b\u3089\u3001\u52a0\u5165\u306e\u662f\u975e\u3092\u898b\u6975\u3081\u307e\u3057\u3087\u3046\u3002<\/p>\n\n\n\n<h3 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