Have you already had any kinds of *life insurance?
There is data that the Japanese life insurance *participation rate exceeds 80% in all generations. Japanese people often have life insurance to *compensate for anxiety about medical care and Japanese national pension system for their future and to leave money to their families after death.
Especially the participation rate has risen sharply in the thirties age. Because they get married and have their family to protect, and have *obligation and *responsibility to support their spouse and children.
Educational expense for children is one of the most important amounts to prepare. The amount of educational expense greatly differs by choosing which school their children go to. Japanese often rely on insurance to expense the cost for their life events.
In the UK, the life insurance participation rate is lower than 40%. Why is that? The UK is the place, which is the birthplace of insurance, but they don't want to pay high premiums for insurance. And they think the insurance agencies cannot be trusted.
A comparison between "*Cautious Japanese" and "*Rational British man" is interesting.
*life insurance 生命保険
*participation rate 加入率
*compensate 補償する、補う
*obligation 義務
*responsibility 責任
*cautious 慎重な、用心深い
*rational 合理的な
あなたは何らかの生命保険に入っていますか？
日本人の生命保険加入率は全世代で８０％を超えているというデータがあります。将来の医療費や年金制度への不安、また自分の死後に家族へ遺すことを考え、生命保険によって保障しようという人が多いわけです。
特に３０歳代から保険の加入率は急激に上がります。３０歳代は結婚し子どもが生まれ家族が増えることで、家族を養う義務と責任を負うようになる世代だからでしょう。
子どもの教育費は人生の３大費用の一つといわれます。教育費がいくらかかるかは、お子さんがどのような進路に進まれるかによっても大きく異なります。日本人は特に、ライフイベントにかかる費用について保険でカバーすることを検討する傾向にあるようです。
イギリスでは、生命保険の加入率は４０％を下回っています。なぜでしょうか？イギリスは保険の発祥地であるにもかかわらず、彼らは高い保険料を払う気がありません。また、保険代理店が信用できないと考える人もいるようです。「用心深い日本人」と「合理的なイギリス人」の比較はおもしろいですね。
Harumi Miyahara