{"id":5434,"date":"2025-03-11T11:42:15","date_gmt":"2025-03-11T02:42:15","guid":{"rendered":"https:\/\/www.randcins.jp\/hoken\/?p=5434"},"modified":"2025-05-07T13:53:26","modified_gmt":"2025-05-07T04:53:26","slug":"no-need","status":"publish","type":"post","link":"https:\/\/www.randcins.jp\/hoken\/life-insurance\/no-need\/","title":{"rendered":"\u751f\u547d\u4fdd\u967a\u306f\u672c\u5f53\u306b\u3044\u3089\u306a\u3044\uff1f\u4e0d\u8981\u3068\u8a00\u308f\u308c\u308b\u7406\u7531\u3084\u5fc5\u8981\u306a\u4eba\u306e\u7279\u5fb4\u3092\u89e3\u8aac"},"content":{"rendered":"<p>\u751f\u547d\u4fdd\u967a\u306f\u5951\u7d04\u8005\u306b\u4e07\u304c\u4e00\u306e\u3053\u3068(=\u4ea1\u304f\u306a\u308b\u3053\u3068)\u304c\u3042\u3063\u305f\u3068\u304d\u3001\u846c\u5100\u4ee3\u3084\u907a(\u306e\u3053)\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u8cbb\u3092\u8cc4\u3046\u305f\u3081\u306e\u4fdd\u967a\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3001\u751f\u547d\u4fdd\u967a\u306b\u3064\u3044\u3066\u8abf\u3079\u3066\u3044\u304f\u3046\u3061\u306b\u300c\u751f\u547d\u4fdd\u967a\u306f\u4e0d\u8981\uff01\u300d\u3068\u76ee\u306b\u3057\u305f\u3053\u3068\u306e\u3042\u308b\u65b9\u3082\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u307e\u305f\u3001\u300c\u4e07\u304c\u4e00\u306e\u51fa\u6765\u4e8b\u306f\u3044\u3064\u8d77\u3053\u308b\u304b\u5206\u304b\u3089\u305a\u3001\u5206\u304b\u3089\u306a\u3044\u3082\u306e\u306b\u5bfe\u3057\u3066\u4fdd\u967a\u6599\u3092\u6255\u3044\u7d9a\u3051\u308b\u306e\u304c\u7121\u99c4\u300d\u3068\u8003\u3048\u308b\u4eba\u3082\u3044\u308b\u304b\u3082\u3057\u308c\u307e\u305b\u3093\u3002<\/p>\n<p><span 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loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2090\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/02\/rcmagazine_banner_pc-min.png\" alt=\"\u4fdd\u967a\u306e\u3077\u308d_pc\" width=\"1068\" height=\"731\" \/><\/div>\n<div class=\"sp_on\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-2091\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/02\/rcmagazine_banner_sp-min.png\" alt=\"\u4fdd\u967a\u306e\u3077\u308d_sp\" width=\"960\" height=\"1200\" \/><\/div>\n<div id=\"rtoc-mokuji-wrapper\" class=\"rtoc-mokuji-content frame2 preset1 animation-fade rtoc_close default\" data-id=\"5434\" data-theme=\"JIN:R child\">\n\t\t\t<div id=\"rtoc-mokuji-title\" class=\" rtoc_center\">\n\t\t\t<button class=\"rtoc_open_close rtoc_close\"><\/button>\n\t\t\t<span>\u76ee\u6b21<\/span>\n\t\t\t<\/div><ol class=\"rtoc-mokuji decimal_ol level-1\"><li class=\"rtoc-item\"><a href=\"#rtoc-1\">\u306a\u305c\u300c\u751f\u547d\u4fdd\u967a\u306f\u3044\u3089\u306a\u3044\u300d\u3068\u8a00\u308f\u308c\u3066\u3044\u308b\u306e\uff1f\u305d\u306e\u7406\u7531\u3068\u306f<\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-2\">\u793e\u4f1a\u4fdd\u969c\u5236\u5ea6\u304c\u6574\u3063\u3066\u3044\u308b\u304b\u3089<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-3\">\u4fdd\u967a\u3092\u4f7f\u3046\u6a5f\u4f1a\u304c\u9650\u3089\u308c\u3066\u3044\u308b<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-4\">\u5341\u5206\u306a\u8caf\u84c4\u304c\u3042\u308b\u304b\u3089<\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-5\">\u751f\u547d\u4fdd\u967a\u306b\u5165\u3089\u306a\u3044\u5834\u5408\u306e\u30c7\u30e1\u30ea\u30c3\u30c8<\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-6\">\u907a\u3055\u308c\u305f\u5bb6\u65cf\u304c\u751f\u6d3b\u306b\u82e6\u3057\u3080\u53ef\u80fd\u6027\u304c\u3042\u308b<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-7\">\u75c5\u6c17\u3084\u30b1\u30ac\u306b\u3088\u308b\u6cbb\u7642\u30fb\u5165\u9662\u304c\u5bb6\u8a08\u3092\u5727\u8feb\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-8\">\u8001\u5f8c\u306e\u8cc7\u91d1\u304c\u4e0d\u8db3\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-9\">\u751f\u547d\u4fdd\u967a\u3078\u52a0\u5165\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u3042\u308b\uff1f<\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-10\">\u69d8\u3005\u306a\u30ea\u30b9\u30af\u306b\u307e\u3064\u308f\u308b\u7d4c\u6e08\u7684\u8ca0\u62c5\u3092\u56de\u907f\u3067\u304d\u308b<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-11\">\u7a0e\u8ca0\u62c5\u3092\u8efd\u6e1b\u3067\u304d\u308b<\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-12\">\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u3044\u4eba\u306e\u7279\u5fb4<\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-13\">\u5b88\u308b\u3079\u304d\u5b58\u5728\u304c\u3044\u308b\u4eba=\u5bb6\u65cf\u304c\u3044\u308b\u4eba<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-14\">\u53ce\u5165\u304c\u4e0d\u5b89\u5b9a\u3001\u8caf\u91d1\u304c\u3067\u304d\u3066\u3044\u306a\u3044\u4eba<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-15\">\u8001\u5f8c\u8cc7\u91d1\u3092\u8a08\u753b\u7684\u306b\u7a4d\u307f\u7acb\u3066\u305f\u3044\u4eba<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-16\">\u81ea\u55b6\u696d\u3084\u30d5\u30ea\u30fc\u30e9\u30f3\u30b9\u306e\u4eba<\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-17\">\u3082\u3057\u304b\u3057\u305f\u3089\u3044\u3089\u306a\u3044\u304b\u3082\uff1f\u5fc5\u8981\u6027\u304c\u4f4e\u3044\u4eba\u306e\u7279\u5fb4<\/a><ul class=\"rtoc-mokuji mokuji_ul level-2\"><li class=\"rtoc-item\"><a href=\"#rtoc-18\">\u72ec\u8eab\u306e\u4eba<\/a><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-19\">\u4e07\u304c\u4e00\u306e\u6642\u306e\u305f\u3081\u306b\u5341\u5206\u306a\u8caf\u84c4\u304c\u3042\u308b\u4eba<\/a><\/li><\/ul><\/li><li class=\"rtoc-item\"><a href=\"#rtoc-20\">\u8a18\u4e8b\u307e\u3068\u3081<\/a><\/li><\/ol><\/div><h2 id=\"rtoc-1\"  class=\"wp-block-heading jinr-heading d--bold\">\u306a\u305c\u300c\u751f\u547d\u4fdd\u967a\u306f\u3044\u3089\u306a\u3044\u300d\u3068\u8a00\u308f\u308c\u3066\u3044\u308b\u306e\uff1f\u305d\u306e\u7406\u7531\u3068\u306f<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5441 size-full\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/03\/1024566907-min.png\" alt=\"\u306a\u305c\u300c\u751f\u547d\u4fdd\u967a\u306f\u3044\u3089\u306a\u3044\u300d\u3068\u8a00\u308f\u308c\u3066\u3044\u308b\u306e\uff1f\u305d\u306e\u7406\u7531\u3068\u306f\" width=\"768\" height=\"512\" \/><\/p>\n<p>\u751f\u547d\u4fdd\u967a\u6587\u5316\u30bb\u30f3\u30bf\u30fc\u306e\u8abf\u67fb\u306b\u3088\u308c\u3070\u3001<span class=\"marker-line\">2022(\u4ee4\u548c4)\u5e74\u5ea6\u306e\u751f\u547d\u4fdd\u967a\u52a0\u5165\u7387\u306f\u7537\u6027\u304c77.6%\u3001\u5973\u6027\u304c81.5%<\/span>\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3060\u3051\u591a\u304f\u306e\u65b9\u304c\u751f\u547d\u4fdd\u967a\u3078\u52a0\u5165\u3057\u3066\u3044\u308b\u306e\u306b\u3082\u95a2\u308f\u3089\u305a\u300c\u3044\u3089\u306a\u3044\u300d\u3068\u3044\u3046\u610f\u898b\u304c\u3042\u308b\u306e\u306f\u306a\u305c\u3067\u3057\u3087\u3046\u304b\uff1f<\/p>\n<p>\u305d\u306e\u7406\u7531\u3068\u3057\u3066\u4ee5\u4e0b\u306e3\u3064\u304c\u6319\u3052\u3089\u308c\u307e\u3059\u3002<\/p>\n<h3 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d--bold\">\u793e\u4f1a\u4fdd\u969c\u5236\u5ea6\u304c\u6574\u3063\u3066\u3044\u308b\u304b\u3089<\/h3>\n<p>\u65e5\u672c\u3067\u306f\u3001\u8ab0\u3082\u304c\u5b89\u5fc3\u3057\u3066\u533b\u7642\u3092\u53d7\u3051\u3089\u308c\u308b\u3088\u3046\u300c\u56fd\u6c11\u7686\u4fdd\u967a\u5236\u5ea6\u300d\u304c\u63a1\u7528\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u56fd\u6c11\u7686\u4fdd\u967a\u5236\u5ea6\u3068\u306f\u3001\u56fd\u6c11\u5168\u54e1\u304c\u4f55\u3089\u304b\u306e\u516c\u7684\u533b\u7642\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3001\u304a\u4e92\u3044\u3092\u652f\u3048\u5408\u3046\u5236\u5ea6\u306e\u3053\u3068\u3067\u3059\u3002\u75c5\u6c17\u3084\u30b1\u30ac\u3067\u6cbb\u7642\u304c\u5fc5\u8981\u306b\u306a\u3063\u305f\u5834\u5408\u306b\u306f\u3001\u3053\u306e\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u7d4c\u6e08\u7684\u8ca0\u62c5\u3092\u8efd\u6e1b\u3059\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/p>\n<p><span 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id=\"rtoc-3\"  class=\"wp-block-heading jinr-heading d--bold\">\u4fdd\u967a\u3092\u4f7f\u3046\u6a5f\u4f1a\u304c\u9650\u3089\u308c\u3066\u3044\u308b<\/h3>\n<p>\u751f\u547d\u4fdd\u967a\u306b\u306f\u3001\u4e3b\u306b\u5951\u7d04\u8005\u304c\u6b7b\u4ea1\u3057\u305f\u3068\u304d\u306b\u6b7b\u4ea1\u4fdd\u967a\u91d1\u304c\u652f\u6255\u308f\u308c\u308b\u6b7b\u4ea1\u4fdd\u967a\u3001\u75c5\u6c17\u3084\u30b1\u30ac\u3067\u5165\u9662\u30fb\u624b\u8853\u3092\u3057\u305f\u3068\u304d\u306b\u4fdd\u967a\u91d1\u3084\u7d66\u4ed8\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u308b\u533b\u7642\u4fdd\u967a\u306a\u3069\u3001\u8272\u3005\u306a\u7a2e\u985e\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u3089\u306e\u4fdd\u967a\u306f\u3001\u65e5\u5e38\u751f\u6d3b\u306b\u6f5c\u3080\u69d8\u3005\u306a\u30ea\u30b9\u30af\u306b\u5099\u3048\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u304c\u3001\u5b9f\u969b\u306b\u81ea\u5206\u304c\u4f7f\u3046\u6a5f\u4f1a\u304c\u306a\u3044\u3068\u8003\u3048\u3066\u3044\u308b\u4eba\u3082\u591a\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p><a href=\"https:\/\/www.mhlw.go.jp\/toukei\/saikin\/hw\/kanja\/20\/dl\/kanjya.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\u539a\u751f\u52b4\u50cd\u7701\u306e\u300c\u4ee4\u548c2\u5e74\u60a3\u8005\u8abf\u67fb\u300d<\/a>\u306b\u3088\u308c\u3070\u3001\u4eba\u53e310\u4e07\u4eba\u3042\u305f\u308a\u306e\u5165\u9662\u60a3\u8005\u6570\u306f960\u4eba\u3067\u3001\u5272\u5408\u3067\u3044\u3046\u30681%\u672a\u6e80\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001\u539a\u751f\u52b4\u50cd\u7701\u306e\u300c\u4ee4\u548c4\u5e74\u7c21\u6613\u751f\u547d\u8868\u306e\u6982\u6cc1\u300d\u306b\u3088\u308b\u3068\u300140\u6b73\u306e\u6b7b\u4ea1\u8005\u6570\u306f1,000\u4eba\u306b\u3064\u304d0.97\u4eba\u3001\u5973\u6027\u306f0.60\u4eba\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u3001\u7d71\u8a08\u304b\u3089\u898b\u3066\u3082<span class=\"marker-line\">\u5165\u9662\u3059\u308b\u78ba\u7387\u3084\u6b7b\u4ea1\u7387\u306f\u6975\u3081\u3066\u4f4e\u3044\u305f\u3081\u3001\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u3092\u611f\u3058\u306b\u304f\u3044<\/span>\u3068\u8a00\u3048\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001<b>\u5e74\u9f62\u3092\u91cd\u306d\u308b\u3068\u3068\u3082\u306b\u7f79\u60a3\u7387\u3084\u6b7b\u4ea1\u306e\u30ea\u30b9\u30af\u304c\u9ad8\u307e\u308b\u3053\u3068\u3092\u982d\u306b\u5165\u308c\u3066\u304a\u304d\u307e\u3057\u3087\u3046\u3002<\/b><\/p>\n<section class=\"wp-block-jinr-blocks-fukidashi b--jinr-block b--jinr-fukidashi\">\n\t\t\t\t<div class=\"o--jinr-fukidashi d--fukidashi-chat d--fukidashi-left d--fukidashi-border-normal d--border-transparent\">\n\t\t\t\t<div class=\"c--fukidashi-img-box\">\n\t\t\t\t<div class=\"a--fukidashi-img d--fukidashi-img-simplecolor\"><img loading=\"lazy\" decoding=\"async\" width=\"72\" height=\"72\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2024\/04\/93_1-1-min.png\" alt=\"\u4fdd\u967a\u306e\u3077\u308d<br class \/>\u62c5\u5f53\u8005\"\/><\/div>\n\t\t\t\t<span class=\"a--fukidashi-icon-name\">\u4fdd\u967a\u306e\u3077\u308d<br class \/>\u62c5\u5f53\u8005<\/span>\n\t\t\t\t<div class=\"a--fukidashi-img-circle\" style=\"background-color:#eee;\"><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"c--fukidashi-contents\" style=\"border-color:#eee; background-color:#ffeb9e;\">\n<div class=\"o--fukidashi-inner\">\n<p>\u5b88\u308b\u3079\u304d\u5b58\u5728\u304c\u5897\u3048\u305f\u65b9\u306f\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u30b0\u30f3\u3063\u3068\u9ad8\u307e\u308a\u307e\u3059\u3002<\/p>\n<\/div>\n<p><span class=\"a--fukidashi-parts-after\" style=\"color:#ffeb9e;\"><\/span><span class=\"a--fukidashi-parts-before\" style=\"color:#eee;\"><\/span><\/div>\n\t\t\t\t<\/div>\n\t\t\t<\/p>\n<\/section>\n<h3 id=\"rtoc-4\"  class=\"wp-block-heading jinr-heading d--bold\">\u5341\u5206\u306a\u8caf\u84c4\u304c\u3042\u308b\u304b\u3089<\/h3>\n<p>\u666e\u6bb5\u304b\u3089\u533b\u7642\u8cbb\u3084\u8001\u5f8c\u306e\u5099\u3048\u306e\u305f\u3081\u306b\u8caf\u84c4\u3092\u3057\u3066\u3044\u308b\u65b9\u3082\u3001\u751f\u547d\u4fdd\u967a\u306f\u3044\u3089\u306a\u3044\u3068\u8003\u3048\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u5341\u5206\u306a\u8caf\u84c4\u3092\u3057\u3066\u304a\u3044\u3066\u3082\u4e07\u304c\u4e00\u306e\u6642\u306e\u652f\u51fa\u984d\u306f\u4e88\u6e2c\u3067\u304d\u307e\u305b\u3093\u3002<\/p>\n<p><span class=\"marker-line\">\u516c\u7684\u4fdd\u969c\u306e\u5bfe\u8c61\u5916\u3067\u3042\u308b\u5148\u9032\u533b\u7642\u3092\u5229\u7528\u3057\u305f\u308a\u3001\u6cbb\u7642\u30fb\u5165\u9662\u304c\u9577\u671f\u5316\u3057\u305f\u308a\u3059\u308b\u3068\u3001\u305d\u306e\u984d\u306f\u60f3\u50cf\u4ee5\u4e0a\u306b\u9ad8\u984d\u306b\u306a\u308b\u3053\u3068\u3082\u3002<\/span><\/p>\n<p>\u305d\u306e\u305f\u3081\u3001\u3059\u3050\u3055\u307e\u751f\u547d\u4fdd\u967a\u304c\u3044\u3089\u306a\u3044\u3068\u5224\u65ad\u305b\u305a\u3001\u5341\u5206\u306a\u8cc7\u7523\u5f62\u6210\u304c\u3067\u304d\u3066\u3044\u308b\u304b\u3092\u614e\u91cd\u306b\u691c\u8a0e\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h2 id=\"rtoc-5\"  class=\"wp-block-heading jinr-heading d--bold\">\u751f\u547d\u4fdd\u967a\u306b\u5165\u3089\u306a\u3044\u5834\u5408\u306e\u30c7\u30e1\u30ea\u30c3\u30c8<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5442 size-full\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/03\/673796218-min.png\" alt=\"\u751f\u547d\u4fdd\u967a\u306b\u5165\u3089\u306a\u3044\u5834\u5408\u306e\u30c7\u30e1\u30ea\u30c3\u30c8\" width=\"768\" height=\"512\" \/><\/p>\n<p>\u3067\u306f\u3001\u751f\u547d\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u306a\u3044\u3068\u3001\u3069\u306e\u3088\u3046\u306a\u30c7\u30e1\u30ea\u30c3\u30c8\u304c\u3042\u308b\u306e\u3067\u3057\u3087\u3046\u304b\u3002\u5177\u4f53\u7684\u306b\u898b\u3066\u3044\u304d\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3 id=\"rtoc-6\"  class=\"wp-block-heading jinr-heading d--bold\">\u907a\u3055\u308c\u305f\u5bb6\u65cf\u304c\u751f\u6d3b\u306b\u82e6\u3057\u3080\u53ef\u80fd\u6027\u304c\u3042\u308b<\/h3>\n<p>\u4e00\u5bb6\u306e\u5927\u9ed2\u67f1\u3068\u3057\u3066\u5bb6\u8a08\u3092\u652f\u3048\u308b\u592b\u3068\u3001\u80b2\u5150\u3092\u3057\u306a\u304c\u3089\u30d1\u30fc\u30c8\u30bf\u30a4\u30e0\u3067\u50cd\u304f\u59bb\u306e\u30b1\u30fc\u30b9\u3067\u8003\u3048\u3066\u307f\u307e\u3057\u3087\u3046\u3002<\/p>\n<p><span class=\"marker-line\">\u592b\u304c\u4ea1\u304f\u306a\u3063\u3066\u3057\u307e\u3063\u305f\u6642\u3001\u907a\u3055\u308c\u305f\u59bb\u306e\u53ce\u5165\u3067\u306f\u3084\u308a\u304f\u308a\u304c\u3067\u304d\u305a\u3001\u8caf\u84c4\u3084\u907a\u65cf\u5e74\u91d1\u306a\u3069\u3067\u751f\u6d3b\u3092\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002<\/span><\/p>\n<p>\u305f\u3068\u3048\u59bb\u304c\u6b63\u793e\u54e1\u3068\u3057\u3066\u50cd\u304d\u306b\u51fa\u308b\u3068\u3057\u3066\u3082\u3001\u5c0f\u3055\u306a\u5b50\u4f9b\u3092\u5bb6\u306b\u6b8b\u3057\u3066\u304a\u3051\u305a\u3001\u30d9\u30d3\u30fc\u30b7\u30c3\u30bf\u30fc\u3084\u4fdd\u80b2\u8cbb\u306a\u3069\u3092\u5229\u7528\u3059\u308b\u3068\u7d4c\u6e08\u7684\u8ca0\u62c5\u306f\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u5b50\u3069\u3082\u304c\u5927\u304d\u304f\u306a\u3063\u305f\u6642\u306b\u306f\u3001\u6559\u80b2\u8cc7\u91d1\u306e\u637b\u51fa\u304c\u96e3\u3057\u304f\u306a\u308b\u5834\u5408\u3082\u3042\u308a\u3001\u9032\u8def\u3092\u72ed\u3081\u3066\u3057\u307e\u3046\u53ef\u80fd\u6027\u3082\u8003\u3048\u3089\u308c\u307e\u3059\u3002<\/p>\n<h3 id=\"rtoc-7\"  class=\"wp-block-heading jinr-heading d--bold\">\u75c5\u6c17\u3084\u30b1\u30ac\u306b\u3088\u308b\u6cbb\u7642\u30fb\u5165\u9662\u304c\u5bb6\u8a08\u3092\u5727\u8feb\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/h3>\n<p>\u5148\u8ff0\u306e\u901a\u308a\u65e5\u672c\u306e\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u5229\u7528\u3059\u308b\u3068\u3001\u533b\u7642\u8cbb\u8ca0\u62c5\u306f\u539f\u52473\u5272\u3067\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u4ee5\u4e0b\u306e\u3088\u3046\u306a\u9805\u76ee\u306f\u516c\u7684\u533b\u7642\u4fdd\u967a\u306e\u5bfe\u8c61\u5916\u3068\u306a\u308b\u305f\u3081\u5168\u984d\u81ea\u5df1\u8ca0\u62c5\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<section class=\"wp-block-jinr-blocks-simplebox b--jinr-block-container\">\n<div class=\"b--jinr-block b--jinr-box d--simple-box5  \">\n<div class=\"c--simple-box-inner\">\n<ul class=\"jinr-list\">\n<li>\u5dee\u984d\u30d9\u30c3\u30c9\u4ee3(\u500b\u5ba4\u3084\u5c11\u4eba\u6570\u90e8\u5c4b\u3092\u5e0c\u671b\u3059\u308b\u5834\u5408\u306e\u8cbb\u7528)<\/li>\n<li>\u5148\u9032\u533b\u7642\u203b<\/li>\n<li>\u5165\u9662\u4e2d\u306e\u98df\u4e8b\u4ee3<\/li>\n<li>\u81ea\u7531\u8a3a\u7642\u3000\u306a\u3069<\/li>\n<\/ul>\n<p>\u203b\u4f8b\uff1a\u304c\u3093\u3092\u5207\u3089\u305a\u306b\u6cbb\u7642\u3059\u308b\u300c\u91cd\u7c92\u5b50\u7dda\u6cbb\u7642\u300d\u2026\u7d04313\u4e07\u5186<\/p>\n<\/div>\n<\/div>\n<\/section>\n<p><span class=\"QuoteTitle\">\u53c2\u8003\uff1a<a href=\"https:\/\/www.mhlw.go.jp\/toukei\/saikin\/hw\/life\/life22\/dl\/life22-15.pdf\" target=\"_blank\" rel=\"nofollow noopener noreferrer\">\u539a\u751f\u52b4\u50cd\u7701\u300c\u7b2c127\u56de\u5148\u9032\u533b\u7642\u4f1a\u8b70\u8cc7\u6599 \u4ee4\u548c5\u5e74\u5ea6\u5b9f\u7e3e\u5831\u544a\u300d<\/a>\u3088\u308a\u7b97\u51fa<\/span><\/p>\n<p>\u305d\u306e\u307b\u304b\u3001\u4ed8\u304d\u6dfb\u3044\u3084\u304a\u898b\u821e\u3044\u3067\u75c5\u9662\u306b\u884c\u304f\u969b\u306e\u4ea4\u901a\u8cbb\u306a\u3069\u3082\u56de\u6570\u3092\u91cd\u306d\u308c\u3070\u7d4c\u6e08\u7684\u8ca0\u62c5\u306f\u5927\u304d\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<h3 id=\"rtoc-8\"  class=\"wp-block-heading jinr-heading d--bold\">\u8001\u5f8c\u306e\u8cc7\u91d1\u304c\u4e0d\u8db3\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308b<\/h3>\n<p>\u50cd\u304d\u305f\u304f\u3066\u3082\u50cd\u304f\u3053\u3068\u304c\u96e3\u3057\u3044\u8001\u5f8c\u306f\u3001\u516c\u7684\u5e74\u91d1\u3084\u8caf\u84c4\u3067\u751f\u6d3b\u8cbb\u3092\u30ab\u30d0\u30fc\u3057\u306a\u3051\u308c\u3070\u306a\u308a\u307e\u305b\u3093\u3002\u81ea\u5206\u3084\u5bb6\u65cf\u306b\u4ecb\u8b77\u304c\u5fc5\u8981\u3067\u3042\u308c\u3070\u3001\u4ecb\u8b77\u8cbb\u7528\u3082\u7528\u610f\u3057\u306a\u3051\u308c\u3070\u306a\u3089\u305a\u3001\u751f\u6d3b\u304c\u53b3\u3057\u304f\u306a\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u305d\u3053\u3067\u3001\u751f\u547d\u4fdd\u967a\u3068\u8001\u5f8c\u306e\u8cc7\u91d1\u304c\u4f55\u306e\u95a2\u4fc2\u304c\u3042\u308b\u306e\uff1f\u3068\u7591\u554f\u3092\u62b1\u304f\u4eba\u3082\u591a\u3044\u306e\u3067\u306f\u306a\u3044\u3067\u3057\u3087\u3046\u304b\u3002<\/p>\n<p>\u751f\u547d\u4fdd\u967a\u306f\u6b7b\u4ea1\u4fdd\u967a\u91d1\u3084\u7d66\u4ed8\u91d1\u3060\u3051\u3067\u306a\u304f\u3001<b>\u6e80\u671f\u4fdd\u967a\u91d1\u3084\u89e3\u7d04\u8fd4\u623b\u91d1<\/b>\u3092\u53d7\u3051\u53d6\u308c\u308b\u3082\u306e\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u6e80\u671f\u4fdd\u967a\u91d1\u3068\u306f\u3001\u3042\u3089\u304b\u3058\u3081\u8a2d\u5b9a\u3057\u305f\u4fdd\u967a\u671f\u9593\u304c\u6e80\u4e86\u3057\u305f\u6642\u306b\u4fdd\u967a\u4f1a\u793e\u304b\u3089\u652f\u6255\u308f\u308c\u308b\u304a\u91d1\u306e\u3053\u3068\u3067\u3059\u3002\u89e3\u7d04\u8fd4\u623b\u91d1\u3068\u306f\u3001\u5951\u7d04\u671f\u9593\u4e2d\u306b\u89e3\u7d04\u3057\u305f\u969b\u306b\u53d7\u3051\u53d6\u308c\u308b\u304a\u91d1\u306e\u3053\u3068\u3067\u3059\u3002<\/p>\n<p>\u305d\u308c\u305e\u308c\u306e\u91d1\u984d\u306f\u4fdd\u967a\u4f1a\u793e\u3084\u4fdd\u967a\u5546\u54c1\u306b\u3088\u3063\u3066\u7570\u306a\u308a\u307e\u3059\u304c\u3001<span class=\"marker-line\">\u3053\u308c\u3089\u3092\u6d3b\u7528\u3059\u308b\u3053\u3068\u3067\u8001\u5f8c\u306e\u751f\u6d3b\u8cc7\u91d1\u306e\u4e00\u90e8\u3092\u88dc\u3046\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u3002<\/span><\/p>\n<h2 id=\"rtoc-9\"  class=\"wp-block-heading jinr-heading d--bold\">\u751f\u547d\u4fdd\u967a\u3078\u52a0\u5165\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u3042\u308b\uff1f<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5365 size-full\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/03\/1233677879-min.png\" alt=\"\u751f\u547d\u4fdd\u967a\u3078\u52a0\u5165\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u306f\u3042\u308b\uff1f\" width=\"768\" height=\"512\" \/><\/p>\n<p>\u751f\u547d\u4fdd\u967a\u306f\u3044\u3089\u306a\u3044\u3068\u3044\u3046\u610f\u898b\u3082\u3042\u308a\u307e\u3059\u304c\u3001\u52a0\u5165\u3059\u308b\u30e1\u30ea\u30c3\u30c8\u3082\u3044\u304f\u3064\u304b\u3042\u308a\u307e\u3059\u3002<\/p>\n<h3 id=\"rtoc-10\" 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class=\"marker-line\">\u751f\u547d\u4fdd\u967a\u306b\u52a0\u5165\u3059\u308b\u6700\u5927\u306e\u30e1\u30ea\u30c3\u30c8\u306f\u3001\u65e5\u5e38\u306b\u6f5c\u3080\u69d8\u3005\u306a\u30ea\u30b9\u30af\u306b\u5099\u3048\u3089\u308c\u308b\u3068\u3044\u3046\u70b9<\/span>\u3067\u3059\u3002<\/p>\n<p><b>\u751f\u547d\u4fdd\u967a(\u6b7b\u4ea1\u4fdd\u967a)\u306b\u52a0\u5165\u3057\u3066\u3044\u308c\u3070\u3001\u4e00\u5bb6\u306e\u5927\u9ed2\u67f1\u306b\u4e07\u304c\u4e00\u306e\u3053\u3068\u304c\u3042\u3063\u3066\u3082\u3001\u907a\u65cf\u306f\u6b7b\u4ea1\u4fdd\u967a\u91d1\u306b\u3088\u3063\u3066\u7d4c\u6e08\u7684\u8ca0\u62c5\u3092\u56de\u907f\u3067\u304d\u307e\u3059\u3002<\/b><\/p>\n<p>\u533b\u7642\u4fdd\u967a\u306b\u52a0\u5165\u3057\u3066\u3044\u308c\u3070\u3001\u75c5\u6c17\u3084\u30b1\u30ac\u3092\u3057\u305f\u6642\u306b\u7d66\u4ed8\u91d1\u3092\u53d7\u3051\u53d6\u308b\u3053\u3068\u304c\u3067\u304d\u307e\u3059\u306d\u3002\u7279\u7d04\u3092\u4ed8\u52a0\u3059\u308b\u3053\u3068\u306b\u3088\u3063\u3066\u3001\u4fdd\u969c\u5185\u5bb9\u3092\u3055\u3089\u306b\u5145\u5b9f\u3055\u305b\u308b\u3053\u3068\u3082\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u305d\u306e\u307b\u304b\u3001\u75c5\u6c17\u3084\u969c\u5bb3\u72b6\u614b\u306b\u3088\u308a\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u6642\u306e\u751f\u6d3b\u8cbb\u3092\u4fdd\u969c\u3059\u308b\u300c\u5c31\u696d\u4e0d\u80fd\u4fdd\u967a\u300d\u3082\u8fd1\u5e74\u6ce8\u76ee\u3092\u96c6\u3081\u3066\u3044\u308b\u751f\u547d\u4fdd\u967a\u3067\u3059\u3002<\/p>\n<h3 id=\"rtoc-11\"  class=\"wp-block-heading jinr-heading d--bold\">\u7a0e\u8ca0\u62c5\u3092\u8efd\u6e1b\u3067\u304d\u308b<\/h3>\n<p>\u751f\u547d\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u306f\u3001\u6240\u5f97\u7a0e\u3084\u4f4f\u6c11\u7a0e\u306e\u63a7\u9664\u306e\u5bfe\u8c61\u3068\u306a\u308a\u3001\u7a0e\u8ca0\u62c5\u3092\u8efd\u6e1b\u3067\u304d\u308b\u30e1\u30ea\u30c3\u30c8\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u63a7\u9664\u306f\u5e74\u672b\u8abf\u6574\u3084\u78ba\u5b9a\u7533\u544a\u306e\u969b\u306b\u9069\u7528\u3055\u308c\u3001\u6255\u3044\u8fbc\u3093\u3060\u4fdd\u967a\u6599\u306e\u3046\u3061\u4e00\u5b9a\u984d\u304c\u8ab2\u7a0e\u3055\u308c\u308b\u524d\u306e\u6240\u5f97\u984d\u304b\u3089\u5dee\u3057\u5f15\u304b\u308c\u308b\u305f\u3081\u3001\u6240\u5f97\u7a0e\u3084\u4f4f\u6c11\u7a0e\u306e\u8ca0\u62c5\u3092\u8efd\u6e1b\u3059\u308b\u3053\u3068\u304c\u53ef\u80fd\u3067\u3059\u3002<\/p>\n<p>\u751f\u547d\u4fdd\u967a\u306e\u7a0e\u91d1\u63a7\u9664\u306b\u3064\u3044\u3066\u8a73\u3057\u304f\u77e5\u308a\u305f\u3044\u65b9\u306f\u4ee5\u4e0b\u306e\u8a18\u4e8b\u3092\u3054\u89a7\u304f\u3060\u3055\u3044\u3002<\/p>\n\n<section class=\"b--jinr-block b--jinr-blogcard d--blogcard-hover-up d--blogcard-style1 d--blogcard-mysite t--round \"><div class=\"a--blogcard-label ef\">\u3042\u308f\u305b\u3066\u8aad\u307f\u305f\u3044<\/div><a class=\"o--blogcard-link t--round\" href=\"https:\/\/www.randcins.jp\/hoken\/life-insurance\/ins069\/\"><div class=\"c--blogcard-image\"><img loading=\"lazy\" decoding=\"async\" class=\"a--blogcard-img-src\" width=\"128\" height=\"72\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2023\/08\/619775837-min-320x180.png\" alt=\"\u751f\u547d\u4fdd\u967a\u6599\u63a7\u9664\u3068\u306f\uff1f\u65b0\u30fb\u65e7\u5236\u5ea6\u306e\u9055\u3044\u3084\u5bfe\u8c61\u7bc4\u56f2\u3001\u7533\u544a\u65b9\u6cd5\u306b\u3064\u3044\u3066\u89e3\u8aac\" \/><\/div><div class=\"a--blogcard-title d--bold\">\u751f\u547d\u4fdd\u967a\u6599\u63a7\u9664\u3068\u306f\uff1f\u65b0\u30fb\u65e7\u5236\u5ea6\u306e\u9055\u3044\u3084\u5bfe\u8c61\u7bc4\u56f2\u3001\u7533\u544a\u65b9\u6cd5\u306b\u3064\u3044\u3066\u89e3\u8aac<\/div><\/a><\/section>\n\n<h2 id=\"rtoc-12\"  class=\"wp-block-heading jinr-heading d--bold\">\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u3044\u4eba\u306e\u7279\u5fb4<\/h2>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter wp-image-5443 size-full\" src=\"https:\/\/www.randcins.jp\/hoken\/wp-content\/uploads\/2025\/03\/544362503-min.png\" alt=\"\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u3044\u4eba\u306e\u7279\u5fb4\" width=\"768\" height=\"512\" \/><\/p>\n<p>\u3053\u3053\u304b\u3089\u306f\u3001\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u3044\u4eba\u306e\u7279\u5fb4\u30924\u3064\u3054\u7d39\u4ecb\u3057\u307e\u3059\u3002\u3044\u305a\u308c\u304b\u306b\u5f53\u3066\u306f\u307e\u308b\u4eba\u306f\u751f\u547d\u4fdd\u967a\u3078\u306e\u52a0\u5165\u3092\u691c\u8a0e\u3059\u308b\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002<\/p>\n<h3 id=\"rtoc-13\"  class=\"wp-block-heading jinr-heading d--bold\">\u5b88\u308b\u3079\u304d\u5b58\u5728\u304c\u3044\u308b\u4eba=\u5bb6\u65cf\u304c\u3044\u308b\u4eba<\/h3>\n<p><span class=\"marker-line\">\u914d\u5076\u8005\u3084\u5b50\u3069\u3082\u306a\u3069\u3001\u5b88\u308b\u3079\u304d\u5b58\u5728\u304c\u3044\u308b\u4eba\u306f\u751f\u547d\u4fdd\u967a\u306e\u5fc5\u8981\u6027\u304c\u9ad8\u3044\u3067\u3059\u3002<\/span><\/p>\n<p>\u5bb6\u8a08\u3092\u652f\u3048\u308b\u81ea\u5206\u304c\u6b7b\u4ea1\u3057\u3066\u3057\u307e\u3063\u305f\u5834\u5408\u3001\u907a\u65cf\u306f\u53ce\u5165\u304c\u6e1b\u5c11\u3057\u3001\u751f\u6d3b\u304c\u56f0\u96e3\u306b\u306a\u3063\u3066\u3057\u307e\u3044\u307e\u3059\u3002\u907a\u3055\u308c\u305f\u5bb6\u65cf\u306e\u751f\u6d3b\u8cbb\u3084\u846c\u5100\u4ee3\u3092\u4fdd\u969c\u3059\u308b\u305f\u3081\u306b\u3082\u6b7b\u4ea1\u4fdd\u967a\u3078\u306e\u52a0\u5165\u3092\u691c\u8a0e\u3059\u308b\u3068\u826f\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u307e\u305f\u3001\u6276\u990a\u5bb6\u65cf\u304c\u3044\u308b\u5834\u5408\u3001\u81ea\u8eab\u306e\u75c5\u6c17\u3084\u30b1\u30ac\u306b\u5bfe\u3059\u308b\u30ea\u30b9\u30af\u3082\u8003\u3048\u306a\u304f\u3066\u306f\u306a\u308a\u307e\u305b\u3093\u3002<\/p>\n<p>\u624b\u8853\u3084\u5165\u9662\u3067\u533b\u7642\u8cbb\u8ca0\u62c5\u304c\u751f\u3058\u308b\u307b\u304b\u3001\u9577\u671f\u5165\u9662\u306b\u306a\u3063\u305f\u969b\u306b\u306f\u53ce\u5165\u304c\u9014\u7d76\u3048\u308b\u3053\u3068\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u516c\u7684\u4fdd\u969c\u3092\u8003\u616e\u3057\u3064\u3064\u3001\u533b\u7642\u4fdd\u967a\u3084\u304c\u3093\u4fdd\u967a\u3001\u5c31\u696d\u4e0d\u80fd\u4fdd\u967a\u306b\u3064\u3044\u3066\u3082\u5408\u308f\u305b\u3066\u691c\u8a0e\u3057\u307e\u3057\u3087\u3046\u3002<\/p>\n<h3 id=\"rtoc-14\"  class=\"wp-block-heading jinr-heading d--bold\">\u53ce\u5165\u304c\u4e0d\u5b89\u5b9a\u3001\u8caf\u91d1\u304c\u3067\u304d\u3066\u3044\u306a\u3044\u4eba<\/h3>\n<p><span 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