I come to recommend the "trade-in conversion" sales staff（営業職員が「下取り転換」を勧めに来ますよ）

Was in the direction of many of the domestic life insurance company, from April 2013, raise insurance premiums worth of new contracts for core products such as life insurance and endowment insurance.

For "standard rate" that becomes the measure of (rate plan), the Financial Services Agency will be expected to reduce to 1.0% per year for the first time in 12 years from 1.5% of the current year, the investment yield premium subscribers promise but you will not be able to secure the funds of insurance to be increased.

The standard interest rate, has been set in order to prevent life insurance companies that promise to yield is not possible to subscribers, maintain the integrity of the management of life insurance. Financial Services Agency is calculated based on the average yield over the past three years, such as 10-year government bond. Each company to determine the interest rate will be referring to the standard interest rate. The Financial Services Agency, the sources said that what follows is based on the historic low interest rates, decide to lower the standard rate after April next year in October. For this reason, the company went into the study of the increase in premium areas such as life insurance.

Come to suggest a "trade-in conversion" major domestic insurance company's sales staff is inevitable mainstream major domestic price increases across the board when it comes to whole life insurance is the prime contractor. And increases the burden of insurance companies and not let transfer products (1.0%) interest rate will be cheap, who are enrolled in churn (1.5%) expected rate of interest when the contract is made. This is nothing other than "disadvantage" for consumers exactly.

Come to recommend conversion and persuasively "~ s new is better" but. Classic sales technique of "deceiving the consumer," this is even after ten years I have not changed. Please, be careful.


国内の多くの生命保険会社が、２０１３年４月から、終身保険や養老保険など主力商品の新規契約分の保険料を値上げする方向になった。
契約者に約束する運用利回り（予定利率）の目安となる「標準利率」について、金融庁が現行の年１・５％から年１・０％に１２年ぶりに引き下げる見通しになり、保険料を増やさなければ保険金の原資を確保できなくなるためだ。
標準利率は、生保各社が契約者に実現不可能な利回りを約束することを防ぎ、生保の経営の健全性を保つために設定されている。金融庁が１０年物国債の過去３年間の平均利回りなどをもとに算出する。各社は標準利率を参考に予定利率を決める。金融庁は、歴史的な超低金利が続いていることを踏まえ、１０月にも来年４月以降の標準利率の引き下げを決める方向だ。このため、各社は終身保険などを中心に保険料値上げの検討に入った。
主契約が終身保険が主流の国内大手は軒並み値上げとなると国内大手保険会社の営業職員が「下取り転換」を勧めに来ることは必至。契約時の予定利率（1.5％）に加入している解約者を、安い予定利率（1.0％）の商品に乗り換えさせないと保険会社の負担が増えるからです。これはまさに消費者にとっては「不利益」以外の何物でもありません。
しかし言葉巧みに「新しい方が良いですよ～」と転換を勧めに来ます。何十年経ってもこの古典的な「消費者騙し」の営業手法は変わっていませんね。気をつけてくださいね。