Display control device, display control method, and program

Abstract

The present technology relates to a display control device, a display control method, and a program that enable the recommendation of appropriate insurance. A list of insurance products that are detected in accordance with the evaluation value of insurance for life-related events calculated by using the probability that life-related events occur for the user is displayed. The present technology can be applied when recommending insurance.

Description

[Technical field]

[0001] The present technology relates to a display control device, a display control method, and a program, and in particular to a display control device, a display control method, and a program that are capable of, for example, recommending appropriate insurance. [Background technology]

[0002] Patent document 1 describes an internal body information management system that provides a program to maintain the health of the insured person, thereby maintaining the health of the insured person and reducing the risk to the insurance company, lowering the insurance premium when the possibility of contracting a disease decreases and raising the premium when the possibility of contracting a disease increases.

[0003] Events occurring in relation to a health condition include an event in which the health condition worsens, an event in which the health condition improves, and an event in which the health condition is maintained.

[0004] An example of insurance that prepares for events that worsen health conditions is life insurance, which pays insurance money when the insured dies, etc. An example of insurance that prepares for events that improve or maintain health conditions is (life) annuity insurance, which pays insurance money as long as the insured lives after a certain age.

[0005] In the case of life insurance to prepare for events that cause a deterioration in health, the risk of insurance companies having to pay out insurance benefits can be reduced if the insured's health is maintained. Therefore, in the case of life insurance, insurance companies have a benefit in introducing the internal body information management system described in Patent Document 1.

[0006] On the other hand, in the case of annuity insurance that provides for an event in which the health condition is improved or maintained, the risk of the insurance company paying the insurance money increases if the insured's health condition improves or is maintained. Therefore, in the case of annuity insurance, the insurance company has no profit in introducing the internal body information management system described in Patent Document 1.

[0007] From the above, the internal body information management system described in Patent Document 1 is effective when combined with insurance to prepare for events that cause a deterioration in health status, but is not expected to be effective when combined with insurance to prepare for the opposite event, i.e., an event in which health status improves or is maintained.

[0008] Furthermore, the internal body information management system described in Patent Document 1 may bring benefits to users who are willing to execute a program to maintain their health, but does not bring benefits to users who are not willing to execute a program to maintain their health. In other words, users who are not willing to execute a program to maintain their health will only increase their chances of getting sick, without decreasing their chances of getting sick, and their insurance premiums will also increase. As a result, it becomes difficult to promote insurance enrollment.

[0009] Furthermore, in the internal body information management system described in Patent Document 1, if the possibility of contracting a disease increases, the insurance premium increases, which may lead to cancellation of the insurance. However, simply canceling the insurance means that the insured person gives up financial coverage in the event that they actually contract the disease, which disadvantages the insured person by leaving them insufficiently prepared for risks, and the insurer loses the opportunity to renew the insurance contract. [Prior art documents] [Patent documents]

[0010] [Patent Document 1] JP 2004-005248 A Summary of the Invention [Problem to be solved by the invention]

[0011] Regarding insurance, there has been a request for proposals for technology that would recommend appropriate insurance to users.

[0012] This technology was developed in light of these circumstances, and makes it possible to recommend appropriate insurance that matches the required coverage (guarantee) (compensation) and cost. [Means for solving the problem]

[0013] The display control device or program of the present technology uses the occurrence probability that a life-related event related to a life occurs to a user to 、 Insurance to prepare for the above-mentioned life-related events an evaluation value calculation unit that calculates an expected value of the payment and an expected value of the refund of the insurance, and calculates an evaluation value of the insurance using the expected value of the payment and the expected value of the refund; and a detection unit that detects insurance to be recommended to the user from among insurances registered in a database according to the evaluation value, and recommends the insurance to the user. A display control unit that displays a list of insurance policies and or a program for causing a computer to function as such a display control device.

[0014] The display control method of the present technology includes: A display control device comprising: Using the probability of occurrence of life-related events that occur to the user, 、 Insurance to prepare for the above-mentioned life-related events calculating an expected value of the payment and an expected value of the refund of the insurance; calculating an evaluation value of the insurance using the expected value of the payment and the expected value of the refund; detecting an insurance to be recommended to the user from among the insurances registered in a database according to the evaluation value; Display a list of insurance policies and A display control method comprising the steps of:

[0015] In this technology, the probability of occurrence of life-related events in a user's life is used to 、 Insurance to prepare for the above-mentioned life-related events an expected value of the payment and an expected value of the refund of the insurance are calculated, an evaluation value of the insurance is calculated using the expected value of the payment and the expected value of the refund, and an insurance to be recommended to the user is detected from among the insurances registered in a database according to the evaluation value, and the insurance is recommended to the user. A list of insurance policies will be displayed.

[0016] The display control device may be an independent device, or may be an internal block constituting one device.

[0017] The program can also be provided by transmitting it via a transmission medium or by recording it on a recording medium. [Brief description of the drawings]

[0018] [Figure 1] 1 is a block diagram showing a configuration example of an embodiment of an insurance recommendation system to which the present technology is applied. [Diagram 2] 2 is a block diagram showing an example of a functional configuration of a server 11. FIG. [Diagram 3] 2 is a block diagram showing an example of a functional configuration of a client 12. FIG. [Figure 4]FIG. 1 is a diagram illustrating the occurrence probability p(y;i). [Diagram 5] 13 is a flowchart illustrating an example of a process for calculating an evaluation value V(i,j;p) of insurance j for preparing for a life-related event i. [Figure 6] 13 is a flowchart illustrating an example of a process for providing an insurance list by the server 11. [Figure 7] 13 is a flowchart illustrating an example of a process for displaying an insurance list by a client 12. [Figure 8] FIG. 11 is a diagram showing an example of a first insurance list. [Figure 9] 13 is a flowchart illustrating an example of a process performed by the server 11 when a first insurance list is displayed on the client 12. [Figure 10] 13 is a flowchart illustrating an example of processing by the client 12 when a first insurance list is displayed on the client 12. [Figure 11] FIG. 11 is a diagram showing an example of a second insurance list. [Figure 12] FIG. 13 is a diagram showing a first example of a third insurance list. [Figure 13] FIG. 1 illustrates an example of insurance rebalancing. [Figure 14] FIG. 13 is a diagram showing a second example of the third insurance list. [Figure 15] FIG. 13 is a diagram illustrating a third example of a third insurance list. [Figure 16] FIG. 13 is a diagram showing a third example of a third insurance list. [Figure 17] FIG. 13 is a diagram showing an example of a fourth insurance list. [Figure 18] FIG. 13 is a diagram illustrating an example of setting a predicted value of a user's health state after the user executes a health improvement program. [Figure 19] 1 is a block diagram showing an example of the configuration of an embodiment of a computer to which the present technology is applied. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS

[0019] <An embodiment of an insurance recommendation system to which this technology is applied>

[0020] FIG. 1 is a block diagram showing an example of the configuration of an embodiment of an insurance recommendation system to which the present technology is applied.

[0021] In FIG. 1, an insurance recommendation system 10 includes a server 11, a client 12, and a network 13.

[0022] The server 11 uses information transmitted from the client 12 via the network 13 to generate a list of insurance policies for preparing for life-related events.

[0023] Here, life-related events include life events such as illness, injury, disaster, death, birth of a child, a child's admission to school, changing jobs, retirement, etc. Furthermore, life-related events include the continuation of certain events in life, such as staying healthy or living a long life.

[0024] The server 11 detects one or more insurance policies to prepare for life-related events according to an evaluation value of the insurance policies to prepare for life-related events calculated using the occurrence probability of the life-related events occurring to the user, and generates an insurance list of the insurance policies.

[0025] The server 11 then transmits the list of insurance policies to the client 12 via the network 13 and displays it, thereby recommending appropriate insurance policies to the user, etc.

[0026] For example, in response to a user's operation, the client 12 transmits information to the server 11 via the network 13. In addition, the client 12 receives and displays an insurance list or the like transmitted from the server 11 via the network 13.

[0027] The network 13 is a network such as the Internet.

[0028] Insurance companies provide insurance for various life-related events. For example, insurance for the life-related events of death, injury, and fire includes life insurance, medical insurance, and fire insurance, respectively. A user (insurance policyholder) selects the insurance he or she considers necessary and enrolls in (contracts with) it.

[0029] There are various types of insurance, such as life insurance and medical insurance, to prepare for various life-related events. Furthermore, within the same type of insurance, such as life insurance, there are various types of insurance with different insurance contents, such as insurance payouts, premiums, and age.

[0030] As described above, it is difficult for a user to quantitatively determine and select which type and coverage of insurance is appropriate from the various types of insurance available.

[0031] In addition, for example, the health condition of a user changes over the long term. Therefore, even if the allocation of multiple insurance policies was appropriate for a user when the insurance was purchased, it may no longer be appropriate after five years or so.

[0032] If the allocation of multiple insurance policies is no longer appropriate, the user can switch insurance policies so that the allocation of multiple insurance policies becomes appropriate for the user at the current time.

[0033] When switching insurance, the user cancels part or all of the insurance that he or she had previously signed up for and signs up for a new insurance. Depending on the type of insurance contract, a refund is paid at maturity, but if the contract is cancelled midway, the refund amount is generally paid under less favorable terms than if the contract had matured. This worsening of the terms corresponds to a cancellation penalty, and acts as a cost (burden) on the insured when switching insurance. In addition, when switching insurance, the age at the time of contracting is higher than when the insured signed the previous contract, but since many insurance policies have a property that the probability of occurrence of events covered by the insurance increases as age increases, insurance premium rates often increase with age, which also acts as a cost on the insured. In this way, switching insurance involves a certain cost according to the contract conditions.

[0034] Therefore, the insurance recommendation system 10 recommends appropriate insurance to the user, etc., taking into account appropriate allocation and cost.

[0035] For example, the insurance recommendation system 10 visualizes the evaluations of various types and insurance coverage of insurance for a current user, thereby enabling the user to quantitatively compare various types and coverage of insurance.

[0036] Also, for example, the insurance recommendation system 10 enables the user to select multiple insurance policies that will enable the user to reduce the total risk even if the user's health condition changes in the future.

[0037] For example, the system allows users to easily select a combination of insurance to prepare for life-related events that cause health to deteriorate and insurance to prepare for life-related events that cause health to improve or be maintained, which reduces the overall risk of health deterioration (e.g., the risk of the impact that the death of the person responsible for the household's income will have on the lives of the surviving family members) and the risk of health improvement or being maintained (e.g., the risk of the impact that living longer will have on the living expenses required for the remainder of one's life).

[0038] Furthermore, for example, when the user's health condition changes, the insurance recommendation system 10 enables the user to easily select insurance with insurance coverage suitable for the changed health condition without having to take the time to review the insurance.

[0039] In this case, the user can easily select insurance suitable for the current health condition, whether the health condition has deteriorated or has improved or been maintained. In addition, a large increase in the insurance premium can be prevented by offsetting the increase in the insurance premium due to the deterioration of the health condition with a reduction in the insurance premium corresponding to the risk of living longer. This can prevent the loss of risk preparation caused by the user only canceling the insurance without switching to another insurance company.

[0040] Furthermore, for example, the insurance recommendation system 10 recommends a health promotion program and visualizes the current insurance evaluation for the user and the insurance evaluation for the user when the health promotion program is executed.

[0041] In this case, a user who has no intention of implementing a health promotion program can see the evaluation of insurance for the current user and select an appropriate insurance, and a user who has the intention of implementing a health promotion program can see the evaluation of insurance for the user when the health promotion program is implemented and select an appropriate insurance. This makes it possible to make an insurance contract suitable for the future health condition when the health promotion program is implemented in advance, and enables the user to deal with risks for their own future condition without paying the cost of switching insurance.

[0042] <Server 11 configuration example>

[0043] FIG. 2 is a block diagram showing an example of the functional configuration of the server 11. As shown in FIG.

[0044] 2, the server 11 includes a database 21, an evaluation value calculation unit 22, an insurance list generation unit 23, a registration unit 24, and a communication unit 25.

[0045] The database 21 stores insurance information related to insurance, such as insurance contents of insurance for various life-related events sold by each insurance company. The database 21 also stores user information related to users supplied from the registration unit 24.

[0046] The evaluation value calculation unit 22 uses the insurance information and user information stored in the database 21 to calculate, for example, the probability p(y;i) of occurrence of a life-related event i, provided for by insurance j, whose insurance information is stored in the database 21, occurring in y years for a user of a client 12.

[0047] Furthermore, the evaluation value calculation unit 22 uses the occurrence probability p(y;i) to calculate the expected value A(i,j;p) of the payout of insurance j to prepare for a life-related event i, and the expected value B(i,j;p) of the refund (total amount of insurance money) of insurance j.

[0048] Then, the evaluation value calculation unit 22 uses the expected value A(i, j; p) and the expected value B(i, j; p) to calculate an evaluation value V(i, j; p) that evaluates the degree of benefit to the user (detriment to the insurance company) of insurance j, which prepares for a life-related event i.

[0049] For example, the evaluation value calculation unit 22 calculates a value representing the degree of the expected refund value B(i,j;p) relative to the expected payment value A(i,j;p) of insurance j as the evaluation value V(i,j;p) of insurance j. The evaluation value calculation unit 22 supplies the evaluation value V(i,j;p) of each insurance whose insurance information is stored in the database 21 to the insurance list generation unit 23.

[0050] The insurance list generation unit 23 detects one or more insurance policies to be recommended to the user to prepare for life-related events based on the evaluation value V(i,j;p) from the evaluation value calculation unit 22, generates an insurance list of those insurance policies, and supplies it to the communication unit 25.

[0051] The registration unit 24 registers (stores) the user information supplied from the communication unit 25 in the database 21.

[0052] The communication unit 25 communicates with the client 12 via the network 13. The communication unit 25 receives, for example, user information transmitted from the client 12 and supplies the information to the registration unit 24. The communication unit 25 also transmits, for example, an insurance list supplied from the insurance list generation unit 23 to the client 12.

[0053] The registration unit 24 not only registers the user information transmitted from the client 12 and supplied from the communication unit 25 in the database 21, but can also obtain, for example, medical history and other information recorded in the user's electronic medical record managed by the hospital from the hospital database and register it in the database 21 as user information.

[0054] In addition, the registration unit 24 can acquire the user's exercise history and biometric information, such as pulse rate and blood pressure, from a server that provides a service for managing such information, and register the information in the database 21 as user information.

[0055] <Example of client 12 configuration>

[0056] FIG. 3 is a block diagram showing an example of the functional configuration of the client 12. As shown in FIG.

[0057] 3, the client 12 includes a communication unit 31, a display control unit 32, a display unit 33, and an operation unit .

[0058] The communication unit 31 communicates with the server 11 via the network 13. For example, the communication unit 31 receives an insurance list transmitted from the server 11 and supplies it to the display control unit 32. In addition, the communication unit 31 transmits, for example, user information supplied from the operation unit 34 to the server 11.

[0059] The display control unit 32 performs display control to display an image on the display unit 33. The display control unit 32 causes the display unit 33 to display, for example, a list of insurance from the communication unit 31.

[0060] The operation unit 34 is operated by a user, a seller who sells insurance, or the like. For example, by operating the operation unit 34, the user inputs various types of information, such as user information regarding the user, such as attributes (age, gender), occupation, family composition, genetic test results, health check results, and the like. The operation unit 34 supplies the user information and other various types of information input by the user's operation to the communication unit 31.

[0061] <Expression probability p(y; i)>

[0062] FIG. 4 is a diagram for explaining the expression probability p(y; i).

[0063] In the present embodiment, for a user (insured person), the expression probability p(y; i) that a life-related event i occurs y years later follows a Weibull distribution, and the expression probability p(y; i) is modeled by the Weibull distribution. Note that the expression probability p(y; i) can be modeled by other than the Weibull distribution.

[0064] The Weibull distribution is used, for example, as a model of the survival time of an object, that is, an expression of the failure rate of an object. For example, assuming that the x-th power of the Napier number e is expressed as e^x, the Weibull distribution is represented by the cumulative distribution function S(t) = e^(-(λt)^p) and the probability density function f(t) = λp(λt)^(p - 1)e^(-(λt)^p).

[0065] The probability density function f(t) represents, for example, the failure rate at which a failure occurs at time t, and the cumulative distribution function S(t) represents, for example, the cumulative failure rate at which a failure has occurred up to time t. The probability density function f(t) is the derivative of the cumulative distribution function S(t).

[0066] λp(λt)^(p - 1) in the probability density function f(t) is called the hazard function h(t). The hazard function h(t) = λp(λt)^(p - 1) represents the instantaneous mortality rate of dying at the next moment under the condition of having survived up to time t. The hazard function h(t) monotonically decreases when 0 < p < 1, becomes a constant when p = 1, and monotonically increases when 1 < p.

[0067] Figure 4 shows the probability density function f(t) = λp(λt)^(p-1)e^(-(λt)^p) as a Weibull distribution.

[0068] When λ is small, the probability density function f(t) spreads to the right as shown by the dotted line in the figure. According to the Weibull distribution, the larger λ is, the higher the probability of failure over time, for example, resulting in a shorter lifespan. Also, according to the Weibull distribution, the larger p is, for example, the smaller the probability of failure at first, but once it starts to increase, it increases rapidly.

[0069] In this embodiment, the occurrence probability p(y;i) is expressed using the Weibull distribution by the equation p(y;i)=λ(i)p(i)(λ(i)y)^(p(i)-1)e^(-(λ(i)y)^(p(i)))).

[0070] λ(i) in the occurrence probability p(y;i) is a parameter that indicates the likelihood of occurrence of a life-related event i in the user (insured person), and is hereinafter also referred to as the occurrence ease. The occurrence ease λ(i) is set according to the user's characteristics and condition (health condition, etc.).

[0071] If the user is unlikely to experience the life-related event i (presumably), the occurrence ease λ(i) is set to a relatively small value. Conversely, if the user is likely to experience the life-related event i, the occurrence ease λ(i) is set to a relatively large value.

[0072] In the occurrence probability p(y;i)=λ(i)p(i)(λ(i)y)^(p(i)-1)e^(-(λ(i)y)^(p(i))), p(i) is a parameter representing the characteristics of the occurrence of the life-related event i, and is set in advance according to the life-related event i. For example, for a life-related event i similar to a disaster such as a fire or accident, p(i) is set to a value close to 1 so that the occurrence probability p(y;i) is flat in the direction of time t. Also, for a life-related event i similar to health such as an illness, p(i) is set to a value greater than 1 so that the occurrence probability p(y;i) increases sharply with the passage of time t.

[0073] The ease of expression λ(i) can be set, for example, according to the formula λ(i)=λ(i,0)+λ(i,1)x(1)+λ(i,2)x(2)+λ(i,3)x(3)+λ(i,4)x(4).

[0074] λ(i,0), λ(i,1), λ(i,2), λ(i,3), and λ(i,4) are constants specific to life-related event i and are set in advance.

[0075] x(1), x(2), x(3), and x(4) are set according to the user information.

[0076] x(1) represents the evaluation value of the user's attributes. Examples of user attributes include the user's age, sex, family structure (whether or not the user has a spouse), annual income, etc. Regarding whether or not the user has a spouse, it is said that divorce and death of a spouse are related to the person's remaining life expectancy.

[0077] x(2) represents the evaluation value of the genetic characteristic of the user. For example, x(2) can be set to a value corresponding to the average value of the difference from the average value of the items of the genetic test performed by the user using the genetic test service.

[0078] x(3) represents the evaluation value of the diagnosis result of the user's health check. For example, x(3) can be set to a 5-level evaluation of the overall result of the user's health check, or a value according to BMI, blood pressure, etc.

[0079] x(4) represents the evaluation value of the user's behavior history. For example, a value according to the average value of the user's daily pedometer, daily meals (calories ingested), daily work information (work arrival and departure times / night shift / overtime hours), etc., can be set as the evaluation value of the behavior history in x(4). In addition, for example, a difference between the average evaluation value of the behavior history of a user with the same attributes as the user (e.g., a man in his 40s) in terms of age, sex, etc., or a difference between the evaluation value of the user's current behavior history and the evaluation value of the behavior history at the time of the insurance contract can be set in x(4).

[0080] The evaluation value calculation unit 22 uses user information of the user for whom the occurrence probability p(y;i) is to be calculated to set parameters x(1) through x(4) for that user, and uses the parameters x(1) through x(4) to (calculate) and set the occurrence ease λ(i)=λ(i,0)+λ(i,1)x(1)+λ(i,2)x(2)+λ(i,3)x(3)+λ(i,4)x(4) for the life-related event i.

[0081] Furthermore, the evaluation value calculation unit 22 calculates the occurrence probability p(y;i)=λ(i)p(i)(λ(i)y)^(p(i)-1)e^(-(λ(i)y)^(p(i)))) for a life-related event i using the occurrence ease λ(i) and the parameter p(i).

[0082] In this manner, the evaluation value calculation unit 22 calculates the occurrence probability p(y;i) for the required number of years y of a necessary life-related event i, such as the occurrence probability p(10;death)=0.01 of the life-related event death occurring in the user 10 years from now, or the occurrence probability p(5;three major diseases)=0.05 of the life-related event contracting one of the three major diseases occurring in the user 5 years from now.

[0083] In addition, in the evaluation value calculation unit 22, user information is registered in the database 21, and after setting the expression ease λ(i) using the user information, the evaluation value calculation unit 22 can appropriately update the expression ease λ(i). For example, when the diagnosis result of a (regular) health check as the user information registered in the database 21 is updated, when the family composition is updated, or when the exercise history is updated (for example, at the end of each month), the evaluation value calculation unit 22 can appropriately update the expression ease λ(i) using the updated user information.

[0084] <Calculation of the valuation value V(i,j;p) of insurance j>

[0085] FIG. 5 is a flowchart illustrating an example of a process for calculating an evaluation value V(i,j;p) of insurance j for preparing for a life-related event i.

[0086] In step S11, the evaluation value calculation unit 22 calculates the expected value A(i,j;p) of the payout of insurance j to prepare for a life-related event i and the expected value B(i,j;p) of the refund of insurance j using the occurrence probability p(y;i), and the processing proceeds to step S12.

[0087] The evaluation value calculation unit 22 calculates the expected value A(i,j;p) of the payment amount of insurance j to prepare for a life-related event i, for example, according to the formula A(i,j;p)=Σ{y∈Payment period}(p(y;i)×y×annual amount of insurance premium for insurance j) using the occurrence probability p(y;i). Σ{y∈Payment period} represents taking the summation for y corresponding to the premium payment period of insurance j.

[0088] Furthermore, the evaluation value calculation unit 22 calculates the expected value B(i,j;p) of the payout of insurance j for a life-related event i, for example, according to the formula B(i,j;p)=Σ{y∈coverage period}(p(y;i)×total amount of insurance money paid if the life-related event i occurs y years later) using the occurrence probability p(y;i). Σ{y∈coverage period} indicates taking a summation for y corresponding to the coverage period of insurance j.

[0089] In step S12, the evaluation value calculation unit 22 calculates an evaluation value V(i,j;p) of insurance j to prepare for a life-related event i using the expected value A(i,j;p) and the expected value B(i,j;p), and the processing ends.

[0090] The evaluation value calculation unit 22 calculates, for example, the difference E(i,j;p)=B(i,j;p)-A(i,j;p) between the expected value A(i,j;p) and the magnitude (gain) G(i,j;p)=B(i,j;p) / A(i,j;p) of the expected value B(i,j;p) relative to the expected value A(i,j;p) as the evaluation value V(i,j;p) of insurance j. Which of the difference E(i,j;p) and the gain G(i,j;p) is to be adopted as the evaluation value V(i,j;p) of insurance j can be set according to, for example, a user operation.

[0091] The insurance list generation unit 23 detects one or more insurance policies to prepare for life-related events and recommends appropriate insurance to the user based on the evaluation value V(i, j; p) of insurance j calculated as described above, and generates an insurance list of the one or more insurance policies.

[0092] The evaluation value V(i,j;p) varies depending on the occurrence probability p(y;i), which varies depending on the user's health condition, etc., as user information. Therefore, if the user's health condition, etc., changes, the insurance appropriate for the user, which is recommended to the user by the insurance list, will change.

[0093] For example, for annuity insurance j, where premium payments will end in 20 years and insurance payouts can be received in each year from 25 onwards as long as the insured is alive, the expected value of the payment A(i,j;p) is expressed by the formula A(i,j;p) = Σ{y<=20}(p(y;death) × y × annual amount of insurance premium for annuity insurance j), and the expected value of the refund B(i,j;p) is expressed by the formula B(i,j;p) = Σ{y>=25}(p(y;death) × max(0,y-25) × annual amount of insurance payout for annuity insurance j). max(A,B) represents the larger of A and B.

[0094] For such an annuity insurance j, when the probability of death occurring, p(y; death), which is a life-related event i covered by the annuity insurance j, takes a large value as the number of years y over which death occurs increases, the expected value B(i,j;p) of the refund from the annuity insurance j is likely to be larger than the expected value A(i,j;p) of the payment.

[0095] Therefore, for annuity insurance j, the later (larger) the expected value of the time y at which death occurs, that is, for example, the healthier the user is, the larger the evaluation value V(i,j;p) will be.

[0096] For example, for a life insurance policy j whose payment will expire in 20 years, the expected payout A(i,j;p) is expressed by the formula A(i,j;p) = Σ{y<=20}(p(y;death) × y × annual premium for life insurance policy j), and the expected refund B(i,j;p) is expressed by the formula B(i,j;p) = Σ{y = year of death}(p(y;death) × insurance payout for life insurance policy j) = fixed amount.

[0097] For such a life insurance policy j, when the probability p(y; death) of the occurrence of a life-related event i that the life insurance policy j provides for, for example, takes a large value when the number of years y over which death occurs is small, the expected value B(i,j;p) of the refund for the life insurance policy j is likely to be larger than the expected value A(i,j;p) of the payment.

[0098] Therefore, for a life insurance policy j, the earlier (smaller) the expected value of the time y at which death occurs, that is, for example, the worse the user's health, the larger the evaluation value V(i,j;p).

[0099] The insurance list generating unit 23 generates an insurance list that recommends suitable insurance to the user according to the above-mentioned evaluation value V(i,j;p).

[0100] The insurance list generation unit 23 generates, for example, a first insurance list by visualizing an evaluation value V(i, j; p) as an evaluation of insurance j for preparing for a life-related event i, and by recommending appropriate insurance to the user.

[0101] In addition, the insurance list generation unit 23 generates, for example, a second insurance list by visualizing the evaluation value V(i, j; p) of each of the multiple insurance policies as an evaluation of a combination of multiple insurance policies to prepare for each of multiple life-related events, and by generating an insurance list that recommends an appropriate combination of multiple insurance policies to the user.

[0102] Furthermore, the insurance list generating unit 23 generates, as a third insurance list, an insurance list that encourages rebalancing of insurance after joining (contracting) according to the evaluation value V(i,j;p) of insurance j, for example.

[0103] Furthermore, the insurance list generating unit 23 generates, for example, a fourth insurance list that encourages the execution of a health improvement program.

[0104] <Provision of insurance list by server 11>

[0105] FIG. 6 is a flowchart illustrating an example of a process for providing an insurance list by the server 11.

[0106] In step S31, the evaluation value calculation unit 22 of the server 11 (FIG. 2) calculates the occurrence probability p(y;i) for a target user for which the evaluation value V(i,j;p) is to be calculated, using the insurance information and user information stored in the database 21, for example, in response to a request from the client 12. Furthermore, the evaluation value calculation unit 22 calculates the evaluation value V(i,j;p) of insurance j for each life-related event i using the occurrence probability p(y;i), supplies it to the insurance list generation unit 23, and the process proceeds to step S32.

[0107] In step S32, the insurance list generating unit 23 detects one or more insurance policies for preparing for life-related events to be recommended to the user according to the evaluation value V(i,j;p) from the evaluation value calculating unit 22, and generates an insurance list of the one or more insurance policies. The insurance list generating unit 23 supplies the insurance list to the communication unit 25, and the process proceeds from step S32 to step S33.

[0108] In step S33, the communication unit 25 transmits the insurance list provided by the insurance list generating unit 23 to the client 12 via the network 13, thereby providing the insurance list to the client 12, and the process ends.

[0109] <Display of insurance list by client 12>

[0110] FIG. 7 is a flowchart illustrating an example of a process for displaying an insurance list by the client 12.

[0111] In step S41, the communication unit 31 of the client 12 transmits a request for a list of insurance policies for the target user to the server 11 in response to, for example, an operation of the operation unit 34 by the target user or the like, and the process proceeds to step S42.

[0112] In step S42, the communication unit 31 waits for the insurance list to be transmitted from the server 11 via the network 13, and receives the insurance list. The communication unit 31 supplies the insurance list to the display control unit 32, and the process proceeds from step S42 to step S43.

[0113] In step S43, the display control unit 32 causes the display unit 33 to display the insurance list from the communication unit 31, and the process ends.

[0114] As described above, the insurance list generated by the server 11 is displayed on the client 12, so that, for example, appropriate insurance is recommended to the user.

[0115] <First Insurance List>

[0116] FIG. 8 is a diagram showing an example of the first insurance list.

[0117] The first insurance list is an insurance list that visualizes the evaluation value V(i,j;p) of insurance j as an insurance against a life-related event i, as described in Figure 5, and recommends appropriate insurance to the user.

[0118] The first insurance listing includes columns for "Occurrence of life-related events," "Desired conditions," and "Current recommendations," as well as a column for "Overall evaluation."

[0119] "Occurrence of life-related events" includes columns (rows) of "Insured person", "Event", "Severity", and "Estimate", and information regarding the occurrence of life-related events is arranged (displayed).

[0120] An "insured person" refers to a person who is the subject of insurance. In the first insurance list in Fig. 8, in addition to the target user himself / herself, the target user's spouse, parent, child, etc. are listed as insured persons.

[0121] "Event" refers to a life-related event. For example, among the life-related events that can be covered by insurance sold by each insurance company, the life-related events that can be covered by insurance with an evaluation value V(i,j;p) that is placed in "Evaluation" (to be described later) exceeding a threshold value are placed in "Event".

[0122] "Ease" represents the occurrence ease λ(i) of the corresponding life-related event i. In Fig. 8, "ease" is, for example, the occurrence ease λ(i) of the insured's life-related event i when the average value of the occurrence ease λ(i) of the life-related event i of all insured persons (all users whose user information is registered in the database 21) is set to 1.0, that is, the average value of the occurrence ease λ(i) of the life-related event i of all insured persons, and is a normalized value obtained by normalizing the occurrence ease λ(i) of the insured's life-related event i.

[0123] The larger the manifestation ease λ(i) placed in "Ease", the easier it is for the corresponding life-related event i to manifest. The (normalized) manifestation ease λ(i) placed in "Ease" can be linked to the distribution (probability density function f(t)) of the manifestation probability p(y;i) calculated using that manifestation ease λ(i).

[0124] When any of the expression eases λ(i) in "Ease" is selected, the distribution of the expression probabilities p(y;i) linked to that expression ease λ(i) can be displayed. If there is sufficient display space, the distribution of the expression probabilities p(y;i) linked to that expression ease λ(i) can be displayed regardless of the selection of the expression ease λ(i).

[0125] The "Estimate" represents the user's prediction for the occurrence of the corresponding life-related event. For example, "Optimistic", "Pessimistic", or "Average" may be placed in the "Estimate" field.

[0126] "Optimistic" represents the user's prediction that the insured will be less likely to experience the corresponding life-related event. "Pessimistic" represents the user's prediction that the insured will be more likely to experience the corresponding life-related event. "Average" represents the user's prediction that the insured will have an average chance of experiencing the corresponding life-related event.

[0127] The "ease" value corresponding to "optimism" is adjusted to a value that is a predetermined value less than the true value of the expression ease λ(i) (its normalized value). The "ease" value corresponding to "pessimism" is adjusted to a value that is a predetermined value more than the true value of the expression ease λ(i). For example, "average" is placed in "Estimate" by default, and the "average" can be changed to "optimistic" or "pessimistic" depending on the user's operation.

[0128] The expression probability p(y;i) can be calculated using the expression ease λ(i) before or after the adjustment.

[0129] "Desired Conditions" includes columns (rows) for "Insurance Benefit" and "Insurance Premium," in which the user's desired conditions for insurance to prepare for the corresponding life-related events are arranged.

[0130] In "Insurance Benefits", the amount of insurance payout, the time (period) for receiving the insurance payout, etc. are arranged according to the user's operation, etc. For example, "Age 65 and up, 50,000 / month" indicates that the insured person will receive 50,000 yen in insurance payout every month from age 65 onwards. Also, for example, "Age 60 and up, 100,000 / month" indicates that the insured person will receive 100,000 yen in insurance payout every month until age 60. "Not required" indicates that the user does not need insurance to prepare for the corresponding life-related event.

[0131] In "Insurance Premium", the amount of the insurance premium, the timing (period) of payment of the premium, etc. are displayed according to the user's operation, etc. For example, "up to 60 years old, 50,000 yen / month or less" indicates that the premium is paid until the insured person turns 60, and the monthly premium is 50,000 yen or less. In addition, for example, "5,000 yen or less" indicates that the monthly premium is 5,000 yen or less. "Unspecified" indicates that the user has not specified (entered information).

[0132] "Current Recommendations" includes columns (rows) for "Product," "Premium," "Recommended Enrollment Timing," and "Rating," and displays information on insurance recommended to the user as insurance to prepare for corresponding life-related events.

[0133] In the "product" field, specific insurance (such as the insurance company selling the insurance and the insurance product name) recommended to the user as insurance to prepare for the corresponding life-related event is placed.

[0134] In "insurance premium", the amount of insurance premium for the insurance arranged in "product", the timing (period) of payment of the insurance premium, etc. are arranged.

[0135] In "recommended enrollment time", the appropriate enrollment time for the user is placed as the time to enroll in the insurance placed in "product". For insurance j, the appropriate enrollment time for the user can be obtained, for example, as the start of the payment period of the expected value A(i,j;p)=Σ{y∈payment period}(p(y;i)×y×annual amount of insurance premium for insurance j) of the payment amount that maximizes (bests) the evaluation value V(i,j;p) of insurance j.

[0136] In "Evaluation", the evaluation value V(i,j;p) of the insurance placed in "Product" is placed.

[0137] In the "Overall Evaluation" field, an overall evaluation value obtained by combining the evaluation values ​​V(i,j;p) placed in the "Evaluation" field is placed, for example, the average value of the evaluation values ​​V(i,j;p) placed in the "Evaluation" field.

[0138] In the insurance list, information that is arranged (input) in accordance with user operation can be input into the insurance list, or the user can input the information in advance as part of the user information, for example, by operating the operation unit 34.

[0139] For each life-related event i placed in "Event", the insurance list generation unit 23 arranges each insurance j that prepares for that life-related event i in ascending order of evaluation value V(i, j; p) and detects the insurance j with the first evaluation value V(i, j; p) (the insurance j with the best evaluation value V(i, j; p)).

[0140] Then, the insurance list generation unit 23 generates a first insurance list in which, for each life-related event i placed in "Event", the insurance j with the highest evaluation value V(i, j; p) is placed, i.e., a first insurance list in which information about the insurance j with the highest evaluation value V(i, j; p) is placed in "Current Recommendations".

[0141] In addition, for insurance that prepares for life-related events for which "desired conditions" are placed, i.e., for the type of insurance for which the user has specified "desired conditions," the insurance list generation unit 23 can detect the insurance with the highest evaluation value V(i,j;p) (the insurance with the best evaluation value V(i,j;p)) j from among the insurance that satisfies the "desired conditions" (predetermined conditions) specified by the user. As the "desired conditions," in addition to the amount of insurance payout, etc., as described above, insurance companies, etc. can be specified.

[0142] In addition, the insurance list generation unit 23 can arrange, in the first insurance list, information on insurance with evaluation value V(i, j; p) of 1st place, as well as information on insurance with evaluation value V(i, j; p) of 2nd place or lower or a specified rank below.

[0143] Furthermore, in the insurance list generation unit 23, for insurance j that prepares for a life-related event i for which “unnecessary” is placed in the “insurance payout” section of the “desired conditions”, the insurance with the highest evaluation value V(i,j;p) can be not placed in the first insurance list.

[0144] However, for example, even if the insurance j provides for a life-related event i for which "unnecessary" is placed in the "insurance payout" section of the "desired conditions", if the evaluation value V(i,j;p) of the insurance with the highest evaluation value V(i,j;p) exceeds a threshold, the insurance with the highest evaluation value V(i,j;p) can be placed in the first insurance list. When the insurance with the highest evaluation value V(i,j;p) of the insurance j provides for a life-related event i for which "unnecessary" is placed in the "insurance payout" section of the "desired conditions" is placed in the first insurance list, the evaluation value V(i,j;p) of that insurance can be or cannot be included in the calculation of the overall evaluation value to be placed in the "overall evaluation".

[0145] In addition, in the first insurance list, the "Current Recommendation" can further include information such as whether or not there is an option to increase or decrease the insurance amount after taking out the insurance.

[0146] As described above, the insurance policy list displays insurance policies detected based on the evaluation value of insurance policies to prepare for life-related events calculated using the occurrence probability, for example, the insurance policies with the highest evaluation value V(i,j;p) for each life-related event displayed under "Events," so that appropriate insurance policies can be recommended to the user as insurance policies to prepare for each life-related event.

[0147] Furthermore, the insurance list includes the insurance evaluation value V(i,j;p), i.e., the insurance evaluation is visualized numerically as the evaluation value V(i,j;p), allowing the user to quantitatively evaluate the insurance using the evaluation value V(i,j;p).

[0148] In addition, at insurance introduction offices, multiple insurance policies of a type specified by a customer (user) may be compared. According to the first insurance catalog, different types of insurance policies, i.e., insurance policies for preparing for different life-related events, can be quantitatively compared by the evaluation value V(i,j;p).

[0149] Furthermore, the evaluation value V(i,j;p) varies depending on the occurrence probability p(y;i), which in turn varies depending on the user's health condition, etc. Therefore, in the first insurance list, insurance appropriate for a user with a certain health condition, etc. is arranged according to the user's health condition, etc., and insurances can be quantitatively compared with each other using the evaluation value V(i,j;p).

[0150] In addition, in the first insurance list, a "recommended enrollment time" is displayed, so that the user can recognize the appropriate time to enroll in insurance.

[0151] FIG. 9 is a flowchart illustrating an example of the process of the server 11 when the first insurance list is displayed on the client 12.

[0152] In step S61, the server 11 waits for user information to be transmitted from the client 12, and receives the user information via the communication unit 25. Furthermore, the server 11 registers the user information from the client 12 in the database 21 via the registration unit 24, and the process proceeds from step S61 to step S62.

[0153] In step S62, the server 11 waits for the insurance conditions desired by the user (hereinafter also simply referred to as the desired conditions) to be transmitted from the client 12, receives the desired conditions via the communication unit 25, and the process proceeds to step S63.

[0154] In step S63, the server 11 causes the evaluation value calculation unit 22 to detect insurance candidates j that match the desired conditions for each life-related event i from the database 21, and the process proceeds to step S64.

[0155] In step S64, the evaluation value calculation unit 22 determines whether or not one or more insurance candidates j were detected in step S63.

[0156] If it is determined in step S64 that the insurance candidate j has not been detected, the process proceeds to step S65.

[0157] In step S65, the server 11 transmits a resend request for requesting resend of the desired conditions to the client 12 from the communication unit 25. Then, the process returns from step S65 to step S62, and the same processes are repeated thereafter.

[0158] Furthermore, if it is determined in step S64 that an insurance candidate j has been detected, the process proceeds to step S66.

[0159] In step S66, the server 11 determines whether or not an insurance list request for an insurance list has been sent from the client 12, and if it is determined that an insurance list request has not been sent, the process returns to step S66.

[0160] Also, if it is determined in step S66 that an insurance list request has been sent from the client 12, the process proceeds to step S67.

[0161] In step S67, the server 11, in the evaluation value calculation unit 22, calculates, for each of one or more insurance candidates j for each life-related event i, the occurrence probability p(y;i) of the life-related event i covered by the insurance j, using the user information in the database 21 (user information of the user of the client 12 that sent the insurance list request), and the processing proceeds to step S68.

[0162] In step S68, the server 11 calculates, in the evaluation value calculation unit 22, an evaluation value V(i,j;p) of insurance j for each of one or more insurance candidates j for each life-related event i, using the occurrence probability p(y;i).

[0163] In step S68, the evaluation value V(i, j; p) of insurance j is calculated by setting the enrollment time m of the insurance to m = 0 to M months later (for example, M = 36 months), and the evaluation value V(i, j; p) of the enrollment time m that maximizes the evaluation value V(i, j; p) is adopted as the evaluation value V(i, j; p) of insurance j.

[0164] The evaluation value calculation unit 22 supplies the evaluation value V(i,j;p) of insurance j for each of one or more insurance candidates j for each life-related event i to the insurance list generation unit 23, and the process proceeds from step S68 to step S69.

[0165] In step S69, the server 11, in the insurance list generating unit 23, selects, for each life-related event i, from among one or more insurance candidates j for preparing for the life-related event i, the candidate j with the largest evaluation value V(i,j;p) as the insurance j to be recommended to the user, and the process proceeds to step S70. Note that in step S69, from among the candidates j with the largest evaluation value V(i,j;p), the candidate j with an evaluation value V(i,j;p) equal to or greater than a threshold value can be selected as the insurance j to be recommended to the user.

[0166] In step S70, the server 11 generates a first insurance list in the insurance list generation unit 23, which includes the insurance j recommended to the user selected in step S69, the evaluation value V(i,j;p) of that insurance j, and the enrollment time m, etc., and then the processing proceeds to step S71.

[0167] In step S71, the server 11 causes the communication unit 25 to transmit the first insurance list generated in step S70 to the client 12 that has transmitted the insurance list request, and ends the process.

[0168] FIG. 10 is a flowchart illustrating an example of the processing of the client 12 when the first insurance list is displayed on the client 12. In the example shown in FIG.

[0169] In step S81, the client 12 waits for the user to input user information (user and family attributes, health check results, genetic test results, etc.) by operating the operation unit 34 in the communication unit 31, and then transmits the user information to the server 11, and the processing proceeds to step S82.

[0170] In step S82, the client 12 waits in the communication section 31 until the user inputs desired conditions by operating the operation section 34, and then transmits the desired conditions to the server 11, and the process proceeds to step S83.

[0171] In step S83, the client 12 determines whether a resend request has been sent from the server 11, and if it is determined that a resend request has been sent, the process returns to step S82, where the client 12 waits for the user to input other desired conditions, and the same process is repeated.

[0172] Also, if it is determined in step S83 that a resend request has not been transmitted from the server 11, the process proceeds to step S84.

[0173] In step S84, the client 12 waits for the user to operate the operation unit 34 to request the first insurance list, and then sends an insurance list request to the server 11 via the communication unit 31, requesting the insurance list, and processing proceeds to step S85.

[0174] In step S85, the client 12 waits for the server 11 to send a first insurance list in response to the insurance list request sent in step S84, and receives the first insurance list in the communication unit 31. Then, the process proceeds to step S86.

[0175] In step S86, the client 12 causes the display control unit 32 to display the first insurance list received in step S85 on the display unit 33, and ends the process.

[0176] <Second Insurance List>

[0177] FIG. 11 is a diagram showing an example of the second insurance list.

[0178] As explained in Figure 5, the second insurance list is an insurance list that visualizes the evaluation value V(i,j;p) of each of multiple insurance policies as an evaluation of the combination of multiple insurance policies that prepares for each of multiple life-related events, and recommends appropriate combinations of multiple insurance policies to the user.

[0179] The second insurance list includes columns for "Occurrence of life-related events," "Desired conditions," "Current recommendations," and "Recommendations that are highly responsive to changes in long-term health conditions," as well as a column for "Overall evaluation."

[0180] In the second insurance listing, the "Occurrence of life-related events," "Desired conditions," "Current recommendation," and "Overall evaluation" are the same as those in the first insurance listing (FIG. 8). However, in the second insurance listing, the "Evaluation" of the "Current recommendation" includes columns (rows) for "Maintain status quo," "Improve condition," and "Deteriorate condition," which is different from the first insurance listing in that the "Evaluation" does not include such columns.

[0181] “Status quo” is assigned the insurance evaluation value V(i,j;p) assigned to “Product”, which is calculated using the likelihood of occurrence λ(i) in the case where the insured person’s health condition remains as it is, and thus the occurrence probability p(y;i).

[0182] In the "improved condition" category, the insurance evaluation value V(i,j;p) placed in the "product" category is placed, which is calculated using the likelihood of occurrence λ(i) when the insured's health condition improves from the current state, and thus the occurrence probability p(y;i).

[0183] In the “worsening condition” category, the insurance evaluation value V(i,j;p) assigned to the “product” category is assigned, which is calculated using the likelihood of occurrence λ(i) when the insured person's health condition worsens from the current state, and thus the occurrence probability p(y;i).

[0184] Therefore, according to the second insurance list, the user can quantitatively judge the merits and demerits of the current insurance in each of the cases where the health condition remains the same, improves, and worsens, based on the insurance evaluation values ​​V(i,j;p) assigned to "maintain status quo," "improve condition," and "worsen condition," as well as the overall evaluation value assigned to "overall evaluation."

[0185] The "Recommendations that are highly adaptable to changes in long-term health conditions" section includes columns for "Product," "Premium," "Recommended enrollment period," and "Evaluation," and provides information on insurance that will reduce the total risk of the insured person's life-related events, which are covered by the insurance, occurring, regardless of what the insured person's health condition will be in the future.

[0186] In the "recommendations that are highly responsive to changes in long-term health condition", among multiple combinations of multiple insurance policies that can be selected from the insurance policies sold by each insurance company, the multiple insurance policies that form the combination with the largest minimum value among the overall evaluation value obtained by combining the evaluation values ​​V(i,j;p) of the multiple insurance policies calculated using the occurrence probability p(y;i) for the insured's current health condition and the overall evaluation value obtained by combining the evaluation values ​​V(i,j;p) of the multiple insurance policies calculated using the occurrence probability p(y;i) for a health condition that has changed from the insured's current health condition are arranged as the insurance that will reduce the total risk.

[0187] Here, the first comprehensive evaluation value is defined as the comprehensive evaluation value obtained by combining the evaluation values ​​V(i,j;p) of multiple insurance policies calculated using the occurrence probability p(y;i) for the insured person's current health condition for each of multiple combinations of insurance policies that can be selected from the insurance policies sold by each insurance company.

[0188] In addition, the comprehensive evaluation value obtained by combining the evaluation values ​​V(i,j;p) of multiple insurance policies calculated using the occurrence probability p(y;i) for an improved health state from the insured person's current health state is referred to as the second comprehensive evaluation value.

[0189] Furthermore, the third comprehensive evaluation value is defined as the overall evaluation value obtained by combining the evaluation values ​​V(i,j;p) of multiple insurance policies calculated using the occurrence probability p(y;i) of a health condition that worsens from the insured person's current health condition.

[0190] The "recommendations that are highly adaptable to changes in long-term health conditions" section contains information on multiple insurance policies that constitute the combination with the largest minimum value among the first overall evaluation value, the second overall evaluation value, and the third overall evaluation value, among multiple combinations of multiple insurance policies that can be selected from the insurance policies sold by each insurance company.

[0191] The “product,” “premium,” and “recommended enrollment time” for the “recommended insurance with high adaptability to changes in long-term health conditions” are the same as the “product,” “premium,” and “recommended enrollment time” for the “current recommendation.”

[0192] The "assessment" of the "recommendations that are highly responsive to changes in long-term health status" includes columns for "maintain status quo," "improve status," and "worsen status."

[0193] In the "Evaluation" of the "Recommendation that is highly responsive to changes in long-term health status," "Maintain status," "Improve status," and "Worsen status" are the same as "Maintain status," "Improve status," and "Worsen status," respectively, in the "Evaluation" of the "Current recommendation."

[0194] In the "Evaluation" columns of "Current recommendation" and "Recommendation with high adaptability to changes in long-term health condition," "Maintain current condition," and "Improve condition," respectively, the overall evaluation values ​​placed in the "Overall evaluation" row are the first overall evaluation value, the second overall evaluation value, and the third overall evaluation value.

[0195] In the "Current Recommendations" section of the first insurance listing, information on the insurance j with the highest evaluation value V(i,j;p) for each life-related event i is placed.

[0196] On the other hand, the “Recommendations with high adaptability to changes in long-term health conditions” section of the second insurance list contains information on multiple insurance policies that form the combination with the largest minimum value among the first overall evaluation value, the second overall evaluation value, and the third overall evaluation value, among multiple combinations of multiple insurance policies that can be selected from the insurance policies sold by each insurance company.

[0197] Therefore, when a second insurance list is generated, the insurance list generation unit 23, for example, calculates an evaluation value V(i, j; p) for each of the multiple insurance policies that make up the insurance combination for each of multiple combinations of multiple insurance policies that can be selected from the insurance policies sold by each insurance company, and uses the evaluation values ​​V(i, j; p) to calculate a first overall evaluation value, a second overall evaluation value, and a third overall evaluation value.

[0198] Then, from among multiple insurance combinations, the insurance combination having the largest minimum value among the first comprehensive evaluation value, the second comprehensive evaluation value, and the third comprehensive evaluation value is detected as the insurance combination that reduces the total risk (hereinafter also referred to as the combination with the minimum total risk).

[0199] In the "recommendations that are highly adaptable to changes in long-term health conditions," each insurance policy that constitutes the total risk minimum combination is placed in the row for the life-related events that the insurance policy provides for.

[0200] In the "recommendations that are highly adaptable to changes in long-term health conditions," the "premium" section contains the amount of the insurance premium and the timing (period) of premium payment for the insurance policy placed under "product."

[0201] In the "recommendations that are highly responsive to changes in long-term health conditions," the "recommended enrollment time" is set to the appropriate enrollment time for the user as the time to enroll in the insurance placed in the "product."

[0202] In the case of a "recommendation that is highly responsive to changes in long-term health conditions," the "status quo" in "evaluation" is assigned the evaluation value V(i,j;p) of the insurance assigned to the "product," which is calculated using the occurrence probability p(y;i) for the insured person's current health condition.

[0203] In the "recommendation with high adaptability to changes in long-term health condition," the "condition improvement" of the "evaluation" is assigned the evaluation value V(i,j;p) of the insurance assigned to the "product," which is calculated using the occurrence probability p(y;i) for an improved health condition from the insured's current health condition.

[0204] In the "recommendation with high adaptability to changes in long-term health condition," the "deterioration of condition" in "assessment" is assigned the evaluation value V(i,j;p) of the insurance assigned to the "product," which is calculated using the occurrence probability p(y;i) of the worsening health condition from the insured's current health condition.

[0205] In the "Evaluation" of the "Recommendations with high adaptability to changes in long-term health condition," the first overall evaluation value, the second overall evaluation value, and the third overall evaluation value of the multiple insurance policies that make up the minimum total risk combination are placed in the "Overall Evaluation" row for each of the columns "Maintain status quo," "Improve condition," and "Worsen condition."

[0206] The multiple insurance policies that make up the minimum total risk combination are a combination of insurance policies that will not cause an extreme deterioration in the overall evaluation value regardless of how the insured's health condition changes in the future, that is, a combination of insurance policies that will minimize the deterioration of the overall evaluation value even if the insured's health condition changes in such a way that the overall evaluation value deteriorates to the greatest extent.

[0207] Therefore, according to the second insurance list, even if the insured's health condition changes in such a way that the overall evaluation value deteriorates most, it is possible to recommend to the user a combination of multiple insurance policies that minimizes the deterioration of the overall evaluation value, i.e., a combination of multiple insurance policies that reduces the total risk.

[0208] As described above, due to the nature of the second insurance list, which recommends to the user a combination of multiple insurance policies that reduces the total risk, the combination of multiple insurance policies recommended to the user will include a pair of insurance policies j1 and j2 whose total evaluation value V(i,j1;p)+V(i,j2;p) does not change significantly whether the life-related event i occurs earlier or later, such as a pair of insurance policies j1 whose evaluation value V(i,j1;p) increases the later the expected value of the time when a certain life-related event i occurs (for example, the later the time when death occurs as health improves) and insurance policies j2 whose evaluation value V(i,j2;p) increases the earlier the expected value of the time when a life-related event i occurs (for example, the earlier the time when death occurs as health deteriorates).

[0209] For example, in Figure 11, the pair of E Company's annuity insurance and B Company's life insurance, which are placed in the "Recommendations with high adaptability to changes in long-term health conditions," 、A The pair of Company A's pension insurance and Company F's life insurance corresponds to the pair of Insurance j1 and Insurance j2.

[0210] For example, if one only subscribes to insurance j1 (e.g., pension insurance) whose evaluation value V(i,j1;p) increases as one's health condition improves, one will not be prepared for a worsening health condition. On the other hand, if one only subscribes to insurance j2 (e.g., life insurance) whose evaluation value V(i,j2;p) increases as one's health condition worsens, one will not be prepared for a better health condition.

[0211] According to the second insurance list, for example, insurance j1 whose evaluation value V(i, j1; p) increases as the health condition improves, and insurance j2 whose evaluation value V(i, j2; p) increases as the health condition worsens are recommended in a balanced manner, thereby improving the worst-case value of the total risk.

[0212] The insurances constituting the combination of multiple insurances recommended to the user in the second insurance list can include public insurance (e.g., national health insurance, employee pension insurance, mutual aid pension insurance, etc.) in addition to insurances sold by insurance companies. The total risk minimum combination can be detected from the combination of insurances that prepare for life-related events and in which insurance is placed in the "product" of "current recommendation".

[0213] <Third Insurance List>

[0214] FIG. 12 is a diagram showing a first example of the third insurance list.

[0215] The third insurance list is a list of insurance that encourages rebalancing of insurance after contracting (subscription) according to the evaluation value V(i,j;p) of insurance j, as explained in Figure 5.

[0216] In FIG. 12, the third insurance list includes columns for "Insurance under contract," "Rating at time of contract and current rating," and "Change proposal," as well as a column for "Overall rating."

[0217] "Current insurance" includes columns (rows) for "Insured", "Event", "Product", "Insurance payment", "Premium", and "Elapsed time", and information on current insurance is arranged.

[0218] The "Insured" and "Event" are similar to the "Insured" and "Event" in the first policy summary (FIG. 8), respectively.

[0219] "Product", "Insurance Benefits", and "Premiums" contain information regarding the insurance currently in contract that is similar to "Product", "Insurance Benefits", and "Premiums" in the first insurance list (Figure 8).

[0220] In the "Elapsed Time" field, the number of years and months that have passed since the insurance arranged in the "Product" field was purchased, that is, the insurance subscription period, is arranged.

[0221] The "Current Insurance" section allows the user to check the insurance that he or she currently has as a policyholder.

[0222] The "contract and current evaluation" includes columns for "ease," "estimate," and "evaluation" at the time of the contract and the current time.

[0223] The "ease" and "evaluation" at the time of contract are respectively arranged with the ease of occurrence λ(i) and the evaluation value V(i,j;p) calculated according to the user's state (user information representing the state) at the time of contract.

[0224] In the current "ease" and "evaluation" columns, the occurrence ease λ(i) and evaluation value V(i,j;p) calculated according to the current user's state (user information representing the state) are placed, respectively.

[0225] In the "quote" field at the time of contract, for example, information that is placed in the "quote" field of the first insurance listing at the time of contract is placed.

[0226] For example, the current "Estimate" is, by default, populated with information similar to that of the "Estimate" at the time of contract, and this default information can be changed to "Optimistic," "Pessimistic," or "Average" depending on the user's operation.

[0227] According to the "Evaluation at the time of contract and current evaluation", the user can compare the evaluation value V(i,j;p) and overall evaluation value at the time of contract with the current evaluation value V(i,j;p) and overall evaluation value for the current insurance contract, and check the changes (increase or decrease) in the evaluation value V(i,j;p) and the overall evaluation value.

[0228] In FIG. 12, the overall evaluation value at the time of contracting was 0.92, while the current overall evaluation value is 0.86. This confirms that the user's benefits for the current insurance contract have decreased since the time of contracting.

[0229] The "change proposal" includes "product," "insurance benefit," "premium," and "rating," and displays information about insurance that will improve the rating value V(i,j;p) by 1 or more compared to the insurance currently in contract, and thus the overall rating value, for the user in his / her current state.

[0230] In the “Change Proposal,” the “Product,” “Insurance Benefits,” “Premium,” and “Rating” fields are populated with information similar to the “Product,” “Insurance Benefits,” “Premium,” and “Rating” fields in the first insurance list (Figure 8), for insurance whose overall rating value will improve.

[0231] The "rating" of the "change proposal" includes "after change" and "difference." "After change" is placed with the insurance rating value V(i,j;p) (or overall rating value) placed in the "product" of the "change proposal." "Difference" is placed with the difference between the rating value V(i,j;p) placed in "after change" and the rating value V(i,j;p) placed in the current "rating."

[0232] For example, for each life-related event for which the user has insurance in place, the insurance list generation unit 23 detects the insurance j that has the highest evaluation value V(i, j; p) calculated for the user in the current state from among the insurance policies that prepare for that life-related event, as the insurance after rebalancing to place (information) in the “change proposal”.

[0233] Furthermore, if the overall evaluation value of the insurance after rebalancing exceeds the current overall evaluation value, the insurance list generation unit 23 generates a third insurance list by placing the information of the insurance after rebalancing (including information that is different from the information of the insurance currently in contract placed in "Insurance currently in contract") in the "Product," "Insurance payment," "Premium," and "Evaluation" of the "Change proposal."

[0234] The discovery of insurance after rebalancing can be done without limiting the premium or with limiting the premium.

[0235] For example, the detection of insurance after rebalancing can be performed so that the total insurance premiums of the insurance after rebalancing are within the range of the total insurance premiums of the insurance contracts currently held by the user. Also, for example, the detection of insurance after rebalancing can be performed so that the total insurance premiums of the new insurance are within the range of the total insurance premiums of the insurance contracts currently held by the user and the overall evaluation value of the insurance after rebalancing is optimized.

[0236] In Fig. 12, the overall evaluation value of the insurance after rebalancing placed in the "change proposal" is 0.87, which is an improvement of 0.01 from the current overall evaluation value of 0.86. Also, in Fig. 12, for the insurance after rebalancing, among the insurance contracts, annuity insurance a of company A and life insurance b of company B, in which the user himself is the insured, have been changed.

[0237] That is, for the insurance currently in contract, the "insurance payout" is "Age 65 and up, 50,000 / month" and the "insurance premium" is "Age 60 and up, 50,000 / month" for Company A's "Age 65 and up." In contrast, for the insurance after rebalancing, the insurance product itself is Company A's "Age 60 and up," but the "insurance payout" as part of the insurance coverage has been changed to "Age 60 and up, 40,000 / month" and the "insurance premium" has been changed to "Age 60 and up, 40,000 / month."

[0238] Furthermore, the insurance under contract includes b-life insurance with Company B, with the user as the insured. However, in the insurance after rebalancing, the b-life insurance with Company B has been changed to d-life insurance with Company D.

[0239] The insurance coverage is different between Company B's b life insurance and Company D's d life insurance. In other words, for the current b life insurance with Company B, the "insurance benefit" is "up to age 60, 100,000 / month" and the "premium" is "up to age 60, 4,000 / month", but for Company D's d life insurance after rebalancing, the "insurance benefit" has changed to "up to age 60, 130,000 / month" and the "premium" has changed to "up to age 60, 5,000 / month."

[0240] In addition, in the "Proposed Changes" section, "No Changes" indicates that there will be no changes from the "Current Insurance Contract."

[0241] According to the third insurance list, insurance that improves the overall evaluation value for the user in the current state is displayed, so that the user can be encouraged to rebalance his / her insurance after contracting. As a result, it is possible to prevent a continued mismatch between the user's current state and the insurance coverage.

[0242] The third insurance list can be presented to a user at a counter or a web server of a company that provides insurance advice services, for example.

[0243] In addition, for the insurance to be placed in the “Change Proposal” in the third insurance list, the insurance product itself can remain the same as when the contract was signed, but the insurance content, such as the insurance payout, premium, payment period, and coverage period, can be changed so as to increase the evaluation value V(i,j;p).

[0244] In addition, if the insurance after rebalancing includes an insurance under contract, and the evaluation value V(i,j;p) of the insurance under contract is equal to or less than a threshold, the third insurance list can recommend that the insurance be cancelled. In this case, it is possible to prevent the user from continuing an insurance that brings very little profit to the user unnecessarily.

[0245] FIG. 13 is a diagram illustrating an example of insurance rebalancing.

[0246] In FIG. 13, a pie chart shows an example of insurance premium percentages.

[0247] In FIG. 13, rebalancing is being performed in which the premiums for Annuity Insurance 1 and 2 are reduced and the premium for the life insurance is increased due to the deterioration of the user's health condition.

[0248] FIG. 14 is a diagram showing a second example of the third insurance list.

[0249] In FIG. 14, the third insurance list is configured similarly to FIG.

[0250] In Figure 14, in "Evaluation at time of contract and current evaluation," the overall evaluation value at the time of contract was 1.05, while the current overall evaluation value is 0.94. This confirms that the user's benefits for the current insurance contract have decreased since the time of contract.

[0251] In Fig. 14, the insured person is the user himself / herself, and in the case of a pension insurance from Company A which prepares for the life-related event "longevity", the evaluation value V(longevity, a pension insurance; p) at the time of contract is 1.3, whereas the current evaluation value V(longevity, a pension insurance; p) is 1.6, which is a dramatic increase (improvement) since the time of contract. In this embodiment, a large evaluation value V(longevity, a pension insurance; p) is beneficial for the user, but disadvantageous for the insurance company (here, Company A which sells a pension insurance).

[0252] In other words, the larger the evaluation value V(longevity, a annuity insurance; p), the more insurance money the user receives for the premiums paid by the user. If the insurance money (refund) received by the user becomes large for the premiums (payments) paid by the user for many users, the insurance company will go bankrupt, which will be detrimental to the users.

[0253] Therefore, in the second example of the third insurance listing, information on insurance for a user in the current state whose evaluation value V(i,j;p) is limited to a predetermined value (or less) as a threshold is placed in the “change proposal” section.

[0254] The insurance list generation unit 23 detects, among the insurance policies under contract, if the current evaluation value V(i,j;p) of the “evaluation at the time of contract and current evaluation” does not exceed a predetermined threshold value, for example, a predetermined value set in advance by the insurance company as an evaluation value at which the risk of the insurance company going bankrupt, as a rebalanced insurance to be placed in the “change proposal.”

[0255] Furthermore, for insurance policies (hereinafter also referred to as excess-profit insurance) whose current evaluation value V(i, j; p) of the "evaluation at the time of contract and current evaluation" exceeds a predetermined threshold value, the insurance list generation unit 23 detects, for each life-related event prepared for by that excess-profit insurance, insurance j whose evaluation value V(i, j; p) calculated for the user in the current state is less than or equal to a predetermined value and is closest to the predetermined value, as the insurance after rebalancing to be placed in the "change proposal".

[0256] Then, the insurance catalog generation unit 23 generates a third insurance catalog by arranging the information on the insurance after the rebalancing in the "change proposal."

[0257] In Figure 14, for the insurance after rebalancing, among the insurance contracts, pension insurance a of Company A with the user himself as the insured has been changed because it is an excess profit insurance with the current evaluation value V(i,j;p) exceeding a predetermined value as a threshold, for example, 1.5.

[0258] In other words, in the current insurance contract, the "insurance payout" is "50,000 yen / month from age 65" for Company A's "Age A pension insurance" with the user as the insured. However, in the insurance after rebalancing, although the insurance product itself is Company A's "Age A pension insurance," the "insurance payout" as part of the insurance coverage has been changed to "50,000 yen / month from age 70," and the time to receive the insurance payout has been postponed from age 65 to age 70.

[0259] As a result, in the “change proposal,” the assessment value V(i,j;p) of Company A’s pension insurance with the user himself as the insured is reduced from the current assessment value V(i,j;p) of 1.6 for the “assessment at time of contract and current assessment” to 1.5, which does not exceed the specified threshold value.

[0260] As described above, in the rebalanced insurance, the valuation value V(i,j;p) of Company A's pension insurance is limited to a predetermined value (or less) as a threshold, thereby preventing the user from receiving too much insurance money and causing the insurance company to go bankrupt.

[0261] For example, if the annuity insurance valuation value V(i,j;p) becomes too large due to a change in the social environment, such as a sudden increase in life expectancy due to rapid advances in medical technology, the insurance company's risk increases due to an increase in the amount of annuity insurance payable by the insurance company.

[0262] In this case, the insurance company may go bankrupt, or may increase the premiums in order to reduce the risk. As a result, the insurance company's risk increases, and users may suffer disadvantages.

[0263] In the second example of the third insurance list, insurance with an evaluation value V(i,j;p) limited to a predetermined value as a threshold is placed in the "change proposal" as insurance after rebalancing. Therefore, the user is prompted to choose the insurance after rebalancing placed in the "change proposal", and the risk of the insurance company can be reduced. As a result, it is possible to prevent the insurance company from going bankrupt or the insurance premium from increasing due to the insurance company's increased risk.

[0264] The second example of the third insurance listing can be used by salespeople who sell insurance, rather than by users who contract (have contracted) insurance.

[0265] In Figure 14, for the insurance after rebalancing, the insurance product itself remains the current annuity insurance a from Company A, and the annuity insurance valuation value V(i,j;p) is limited by postponing the timing of receipt of the insurance money as part of the insurance content. However, it is also possible to limit the valuation value V(i,j;p) by, for example, changing the insurance product itself to annuity insurance other than Company A's annuity insurance, or by changing the insurance content by reducing the insurance money, increasing the insurance premiums, shortening the coverage period, or lengthening the insurance premium payment period.

[0266] FIG. 15 is a diagram illustrating a third example of the third insurance list.

[0267] FIG. 15 is a diagram showing an example of an insurance system on which the third example of the third insurance catalog is based.

[0268] In the insurance system of Figure 15, an insurance premium collection / distribution company, which is an organization that cross-links multiple insurance companies, in Figure 15, companies A, B, and C, sits between the insurance companies and the user. The insurance premium collection / distribution company collects insurance premiums from the user and distributes them to companies A, B, and C. The third example of the third insurance catalog is based on the above insurance system.

[0269] FIG. 16 is a diagram showing a third example of the third insurance list.

[0270] In FIG. 16, the third insurance list is configured in the same manner as in FIG.

[0271] In Figure 16, the insured person is the user himself / herself, and in the case of a pension insurance from Company A which prepares for the life-related event of "longevity," the evaluation value V(longevity, a pension insurance; p) at the time of contract is 1.3, while the current evaluation value V(longevity, a pension insurance; p) is 1.6, which has increased since the time of contract.

[0272] On the other hand, in the case of b-death insurance from Company B, in which the insured is the user himself / herself and which prepares for the life-related event "death," the evaluation value V(death, b-death insurance; p) at the time of contract was 0.7, while the current evaluation value V(death, b-death insurance; p) is 0.6, which has decreased since the time of contract.

[0273] Similarly, in the case of cancer insurance from Company C, in which the insured is the user himself / herself and which provides for the life-related event "cancer," the evaluation value V(cancer, cancer insurance; p) at the time of contract was 0.4, while the current evaluation value V(cancer, cancer insurance; p) is 0.3, which has decreased since the time of contract.

[0274] Therefore, according to Figure 16, among the annuity insurance a from Company A, the life insurance b from Company B, and the cancer insurance c from Company C, for which the user is the insured person, with regard to annuity insurance a from Company A, the risk to Company A is greater now than at the time of contract.

[0275] On the other hand, with regard to Company B's life insurance b and Company C's cancer insurance c, the risks posed by Company B and Company C are smaller now than at the time of the contracts.

[0276] In the third example of the third insurance listing, the "Change Proposal" section displays information about multiple insurance policies, including the total insurance premiums for multiple insurance policies subscribed to by the user, allocated among the multiple insurance policies according to the current assessment values ​​of the multiple insurance policies.

[0277] The insurance list generation unit 23 allocates the total amount of insurance premiums for multiple insurance policies that the user has contracted as insurance premiums for each of the multiple insurance policies according to the current evaluation value V(i,j;p) of the "evaluation at the time of contract and current evaluation".

[0278] Furthermore, the insurance list generating unit 23 generates a third insurance list by arranging information on a plurality of insurance policies that the user has contracted, including the allocated insurance premiums, in the "change proposal."

[0279] In Figure 16, the evaluation value V(i,j;p) of pension insurance a from Company A, for which the user is the insured person, increases from 1.3 to 1.6, and the insurance premium for pension insurance a in the “change proposal” is higher by the amount of the increase in the evaluation value V(i,j;p).

[0280] In other words, for Company A's pension insurance, the current insurance premium is 50,000 yen / month, but the ``proposed change'' insurance premium would be 51,000 yen / month.

[0281] In addition, the valuation value V(i,j;p) of the life insurance b of Company B for which the user is the insured has decreased from 0.7 to 0.6, and the insurance premium for the life insurance b in the “change proposal” has been reduced by the amount of the decrease in the valuation value V(i,j;p).

[0282] In other words, for Company B's life insurance b, the current premium is 4,000 yen / month, but the ``proposed'' premium would be 3,500 yen / month.

[0283] Furthermore, the evaluation value V(i,j;p) of cancer insurance from Company C for which the user is the insured person has decreased from 0.4 to 0.3, and the insurance premium for cancer insurance from Company C in the “change proposal” has been reduced by the amount of the decrease in evaluation value V(i,j;p).

[0284] In other words, for Company C's cancer insurance, the current premium is 5,000 yen / month, but the ``proposed change'' premium would be 4,500 yen / month.

[0285] The third example of the third insurance list is used by the insurance premium collection / distribution company in the insurance system of Figure 15 to distribute the insurance premiums collected from the user to Companies A, B, and C according to the "changed proposal" insurance premiums.

[0286] In this case, companies A, B, and C can receive insurance premiums commensurate with their current risks without changing the total amount of insurance premiums paid by the user.

[0287] As described above, by allocating the total amount of insurance premiums for multiple insurance policies subscribed to by the user among the multiple insurance policies as insurance premiums for each of the multiple insurance policies according to the insurance evaluation value V(i,j;p), it is possible to distribute risks that a single insurance company cannot bear among multiple insurance companies and lower the upper limit of the insurance companies' risks, without changing the total amount of insurance premiums paid by the user or the coverage of the coverage received by the user.

[0288] In Figure 16, as a result of the user's health improving, the evaluation value V(i,j;p) of Company A's pension insurance a increases, while the evaluation values ​​V(i,j;p) of Company B's life insurance b and Company C's cancer insurance c decrease. As a result, in the "change proposal," the insurance premium for pension insurance a increases, while the insurance premiums for life insurance b and cancer insurance c decrease.

[0289] Contrary to the case in Figure 16, if the user's health condition worsens, the evaluation value V(i,j;p) of pension insurance a from Company A will decrease, while the evaluation values ​​V(i,j;p) of life insurance b from Company B and cancer insurance c from Company C will increase. As a result, under the "change proposal," the premium for pension insurance a will become cheaper, while the premiums for life insurance b and cancer insurance c will become higher.

[0290] <Fourth Insurance List>

[0291] FIG. 17 is a diagram showing an example of the fourth insurance list.

[0292] The fourth insurance list is an insurance list that encourages the implementation of a health promotion program, as explained in Figure 5.

[0293] In FIG. 17, the fourth insurance list includes columns for "Insurance under contract," "Rating at time of contract and current rating," and "After program execution," as well as a column for "Overall rating."

[0294] "Current insurance contract," "Rating at time of contract and current rating," and "Overall rating" are the same as "Current insurance contract," "Rating at time of contract and current rating," and "Overall rating" in the first example of the third insurance list (Figure 12).

[0295] "After Program Execution" includes columns of "Ease," "Estimate," "Evaluation," and "Difference."

[0296] The "Ease" and "Evaluation" under "After Program Execution" respectively display the ease of manifestation λ(i) and evaluation value V(i,j;p) calculated according to the predicted state of the user after the user (insured person) executes the health promotion program suggested in the fourth insurance list.

[0297] In the "Estimate" after "Program Execution", for example, the same information as the "Estimate" at the time of the contract is placed by default. The default information of the "Estimate" can be changed to "Optimistic", "Pessimistic", or "Average" according to the user's operation.

[0298] The “Difference” for “After Program Execution” displays the difference between the evaluation value V(i,j;p) placed in “After Program Execution” and the evaluation value V(i,j;p) placed in the current “Evaluation”.

[0299] The insurance list generating unit 23 generates a fourth insurance list including (an indication of) a health promotion program that increases the overall evaluation value of the insurance currently contracted by the user to a value greater than the current overall evaluation value.

[0300] For example, the database 21 stores a number of health promotion programs, such as fitness club courses and smoking cessation programs, for improving the health status of a user.

[0301] The insurance list generating unit 23 sets, for each of a plurality of health promotion programs stored in the database 21, a predicted value of the user's health state after the user executes the health promotion program.

[0302] Furthermore, the insurance list generation unit 23 uses the predicted value of the user's health condition after executing the health promotion program to calculate the likelihood of occurrence λ(i) for the insurance the user has in contract when the user executes the health promotion program, and ultimately the evaluation value V(i,j;p).

[0303] The insurance list generation unit 23 calculates, for each of the multiple health promotion programs, an overall evaluation value (hereinafter also referred to as the execution overall evaluation value) for when the user executes the health promotion program, using the evaluation value V(i,j;p) of the insurance that the user has contracted for when the user executes the health promotion program.

[0304] Then, the insurance list generation unit 23 selects the top N (N is a predetermined number greater than or equal to 1) health promotion programs whose execution overall evaluation values ​​are greater than the current overall evaluation value as recommended programs to be recommended to the user, and places them in a fourth insurance list.

[0305] Furthermore, the insurance list generation unit 23 calculates the difference between the evaluation value V(i, j; p) of the insurance that the user has contracted when the user executes the recommended program and the current evaluation value V(i, j; p), and the difference between the execution overall evaluation value and the current overall evaluation value.

[0306] In other words, the insurance list generation unit 23 uses the evaluation value V(i,j;p) of the insurance that the user has contracted in the event that the user executes the recommended program and the execution overall evaluation value, which were calculated when the recommended program is selected, to calculate the difference between the evaluation value V(i,j;p) of the insurance that the user has contracted in the event that the user executes the recommended program and the current evaluation value V(i,j;p), and the difference between the execution overall evaluation value and the current overall evaluation value.

[0307] Then, the insurance list generating unit 23 sets the occurrence ease λ(i) in the case where the user executes the recommended program in the “ease” of “after program execution”, sets the evaluation value V(i,j;p) of the insurance that the user has contracted in the case where the user executes the recommended program in the “ease” of “after program execution”, sets the occurrence ease λ(i) in the case where the user executes the recommended program in the “evaluation” of “after program execution”, sets the evaluation value V(i,j;p) of the insurance that the user has contracted in the case where the user executes the recommended program in the “evaluation” of “after program execution”, sets the occurrence ease λ(i) ... difference " generates a fourth insurance list including (a display of) the recommended program by placing in "list i, j; p" the difference between the evaluation value V(i, j; p) of the insurance that the user has in contract when the user executes the recommended program and the current evaluation value V(i, j; p), and the difference between the executed overall evaluation value and the current overall evaluation value.

[0308] In Figure 17, "AA Fitness Club's aa Course" and "BB Hospital's Smoking Cessation Program" are recommended as health promotion programs (recommended programs) that can change the overall evaluation value from the current overall evaluation value of 0.86, which is placed in "At the time of contract and current evaluation," to the execution overall evaluation value of 0.89, which is placed in "After program execution."

[0309] According to the fourth insurance list, the user can recognize how the evaluation value V(i,j;p) of the insurance currently in contract and the overall evaluation value will change if the user carries out a health promotion program.

[0310] Furthermore, by allowing the user to recognize the change in the evaluation value V(i,j;p) of the insurance contract and the overall evaluation value when the user carries out the health promotion program, the user's motivation to carry out the health promotion program can be increased and the user can be encouraged to carry out the health promotion program.

[0311] FIG. 18 is a diagram for explaining an example of setting a predicted value of a user's health state after the user executes a health improvement program.

[0312] Figure 18 shows the relationship between BMI and mortality risk in Japanese people, as introduced on the website of the National Cancer Center, National Research and Development Agency (https: / / epi.ncc.go.jp / can_prev / evaluation / 2830.html).

[0313] The first and second panels from the left in Figure 18 show the relationship between BMI and mortality rates for all causes for men and women, respectively. The third and fourth panels from the left in Figure 18 show the relationship between BMI and mortality rates for cancer, heart disease, cerebrovascular disease, and other causes for men and women, respectively.

[0314] 18, the horizontal axis represents BMI, and the vertical axis represents the mortality rate. The mortality rate is a relative value, with the mortality rate for a BMI range of 23-25 ​​set as the standard (1.00).

[0315] Hereinafter, the range of BMI in which the mortality rate is equal to or less than the threshold value is referred to as the appropriate range. For a user with a BMI outside the appropriate range, the insurance list generating unit 23 sets a BMI within the appropriate range as a predicted value of the user's health state after the user executes a health improvement program. Then, using the predicted value, the insurance list generating unit 23 generates a fourth insurance list including a health improvement program (recommended program) to be recommended to the user, as described in FIG. 17.

[0316] In addition, the fourth insurance list can also display, for example, the increase in the insurance payout the user will receive if the user's health condition becomes the predicted value as a result of the user executing a health improvement program. For example, if the insurance the user has contracted includes annuity insurance, when the user's BMI falls within the appropriate range, the likelihood of life expectancy increasing, and the total amount of the annuity insurance payout the user will receive increases by the amount of life expectancy increase. By displaying this increase in the fourth insurance list, it is possible to visualize the increase and encourage the user to execute the health improvement program.

[0317] <Description of the computer to which this technology is applied>

[0318] Next, the series of processes of the server 11 and the client 12 described above can be performed by hardware or software. When the series of processes are performed by software, the programs constituting the software are installed in a general-purpose computer or the like.

[0319] FIG. 19 is a block diagram showing an example of the configuration of an embodiment of a computer in which a program for executing the series of processes described above is installed.

[0320] The program can be recorded in advance on the hard disk 905 or ROM 903 as a recording medium built into the computer.

[0321] Alternatively, the program can be stored (recorded) in a removable recording medium 911 driven by the drive 909. Such a removable recording medium 911 can be provided as a so-called package software. Here, examples of the removable recording medium 911 include a flexible disk, a CD-ROM (Compact Disc Read Only Memory), an MO (Magneto Optical) disk, a DVD (Digital Versatile Disc), a magnetic disk, and a semiconductor memory.

[0322] The program can be installed in the computer from the removable recording medium 911 as described above, or can be downloaded to the computer via a communication network or a broadcasting network and installed in the built-in hard disk 905. That is, the program can be transferred to the computer wirelessly from a download site via an artificial satellite for digital satellite broadcasting, or transferred to the computer by wire via a network such as a LAN (Local Area Network) or the Internet.

[0323] The computer includes a CPU (Central Processing Unit) 902 , to which an input / output interface 910 is connected via a bus 901 .

[0324] When a user inputs a command by operating an input unit 907 via an input / output interface 910, the CPU 902 executes a program stored in a read only memory (ROM) 903 in accordance with the command. Alternatively, the CPU 902 loads a program stored in a hard disk 905 into a random access memory (RAM) 904 and executes the program.

[0325] As a result, the CPU 902 performs processing according to the above-mentioned flowchart or processing performed by the configuration of the above-mentioned block diagram. Then, the CPU 902 outputs the processing result from the output unit 906 via the input / output interface 910, or transmits it from the communication unit 908, or further records it on the hard disk 905, as necessary.

[0326] The input unit 907 is composed of a keyboard, a mouse, a microphone, etc. The output unit 906 is composed of an LCD (Liquid Crystal Display), a speaker, etc.

[0327] Here, in this specification, the processing performed by a computer according to a program does not necessarily have to be performed in chronological order according to the order described in the flowchart. In other words, the processing performed by a computer according to a program also includes processing executed in parallel or individually (for example, parallel processing or processing by objects).

[0328] The program may be processed by one computer (processor), or may be distributed among multiple computers. Furthermore, the program may be transferred to a remote computer for execution.

[0329] The embodiments of the present technology are not limited to the above-described embodiments, and various modifications are possible without departing from the gist of the present technology.

[0330] For example, the present technology can be configured as cloud computing, in which a single function is shared and processed collaboratively by multiple devices via a network.

[0331] Furthermore, each step described in the above flow chart can be executed by one device, or can be shared and executed by a plurality of devices.

[0332] Furthermore, when a single step includes multiple processes, the multiple processes included in the single step can be executed by a single device, or can be shared and executed by multiple devices.

[0333] Furthermore, the effects described in this specification are merely examples and are not limiting, and other effects may also be obtained.

[0334] The present technology can have the following configurations.

[0335] <1> A display control unit is provided for displaying a list of insurance detected according to an evaluation value of insurance to prepare for a life-related event, the evaluation value being calculated using the occurrence probability of the life-related event occurring to the user. Display control device. <2> The display control unit displays the insurance list having the insurance with the best evaluation value for each of the one or more life-related events. <1> The display control device according to claim 1. <3> The display control unit displays the list of insurance policies having the best evaluation value for each of the life-related events covered by insurance with the evaluation value equal to or greater than a threshold value. <2> The display control device according to claim 1. <4> The display control unit displays a list of insurance policies having the best evaluation value among the insurance policies that satisfy a predetermined condition. <2> The display control device according to claim 1. <5> The display control unit displays the insurance list including the subscription timing for the insurance that optimizes the evaluation value. <2> Or <4> 2. A display control device according to claim 1 . <6> The display control unit, among a plurality of combinations of a plurality of insurances, a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies calculated using the occurrence probability for the current health state of the user; and a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state changed from the current health state of the user; Display the insurance list including the combination with the largest minimum value among <1> The display control device according to claim 1. <7> The display control unit, among a plurality of combinations of a plurality of insurances, a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies calculated using the occurrence probability for the current health state of the user; and a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state improved from the current health state of the user; a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state that has deteriorated from the current health state of the user; Display the insurance list including the combination with the largest minimum value among <6> The display control device according to claim 1. <8> The display control unit displays the insurance list including insurance whose evaluation value is improved compared to the insurance currently in contract with the user. <1> The display control device according to claim 1. <9> The display control unit displays the insurance list including insurance whose evaluation value is improved compared to the insurance contracted by the user within a range of a total amount of insurance premiums of the insurance contracted by the user. <8> The display control device according to claim 1. <10> The display control unit displays the insurance list including the insurance for which the evaluation value is limited to a predetermined value. <1> The display control device according to claim 1. <11> The display control unit displays the insurance list including insurance premiums after a total amount of insurance premiums of the plurality of insurance policies is allocated to the plurality of insurance policies according to the evaluation values ​​of the plurality of insurance policies. <1> The display control device according to claim 1. <12> The display control unit displays the insurance list including the evaluation value when the user executes a health promotion program that improves the evaluation value. <1> The display control device according to claim 1. <13> The valuation value of the insurance is calculated using the expected value of the insurance payment and the expected value of the insurance refund, which are calculated using the occurrence probability. <1> Or <12> 2. A display control device according to claim 1 . <14> A value representing the degree of the expected value of the refund amount relative to the expected value of the payment amount of the insurance is calculated as the evaluation value of the insurance. <13> The display control device according to claim 1. <15> The insurance listing includes a valuation value of the insurance. <1> Or <14> 2. A display control device according to claim 1 . <16> The occurrence probability follows a Weibull distribution <1> Or <15> 2. A display control device according to claim 1 . <17> and displaying a list of insurance policies detected according to an evaluation value of insurance policies to prepare for life-related events calculated using the occurrence probability of the life-related events occurring to the user. Display control method. <18> A display control unit that displays a list of insurance detected according to an evaluation value of insurance to prepare for a life-related event calculated using an occurrence probability of the life-related event occurring to the user. A program that makes a computer function. [Explanation of symbols]

[0336] 10 Insurance recommendation system, 11 Server, 12 Client, 13 Network, 21 Database, 22 Evaluation value calculation unit, 23 Insurance list generation unit, 24 Registration unit, 25, 31 Communication unit, 32 Display control unit, 33 Display unit, 34 Operation unit, 901 Bus, 902 CPU, 903 ROM, 904 RAM, 905 Hard disk, 906 Output unit, 907 Input unit, 908 Communication unit, 909 Drive, 910 Input / output interface, 911 Removable recording medium

Claims

1. Calculating an expected value of a payment for insurance to prepare for a life-related event and an expected value of a refund for the insurance, using the probability of occurrence of the life-related event in the user; The expected value of the payment and the expected value of the refund are used to calculate the valuation value of the insurance. An evaluation value calculation unit; Detecting insurance to be recommended to the user from among insurances registered in a database according to the evaluation value; Display a list of insurance policies recommended to the user Display control unit A display control device comprising:

2. The display control unit displays the insurance list having the insurance with the best evaluation value for each of the one or more life-related events. The display control device according to claim 1 .

3. The display control unit displays the list of insurance policies having the best evaluation value for each of the life-related events covered by insurance with an evaluation value equal to or greater than a threshold value. The display control device according to claim 2 .

4. The display control unit displays a list of insurance policies having the best evaluation value among the insurance policies that satisfy a predetermined condition. The display control device according to claim 2 .

5. The display control unit displays the insurance list including the subscription timing for the insurance that optimizes the evaluation value. The display control device according to claim 2 .

6. The display control unit, among a plurality of combinations of a plurality of insurances, a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies calculated using the occurrence probability for the current health state of the user; and a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state changed from the current health state of the user; Display the insurance list including the combination with the largest minimum value among The display control device according to claim 1 .

7. The display control unit, among a plurality of combinations of a plurality of insurances, a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies calculated using the occurrence probability for the current health state of the user; and a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state improved from the current health state of the user; a comprehensive evaluation value obtained by aggregating the evaluation values ​​of the plurality of insurance policies, the comprehensive evaluation value being calculated using the occurrence probability for a health state that has deteriorated from the current health state of the user; Display the insurance list including the combination with the largest minimum value among The display control device according to claim 6.

8. The display control unit displays the insurance list including insurance whose evaluation value is improved compared to the insurance currently in contract with the user. The display control device according to claim 1 .

9. The display control unit displays the list of insurance policies including insurance policies whose evaluation value is improved compared to the insurance policies currently in contract with the user within a range of a total amount of insurance premiums of the insurance policies currently in contract with the user. The display control device according to claim 8.

10. The display control unit displays the insurance list including the insurance for which the evaluation value is limited to a predetermined value. The display control device according to claim 1 .

11. The display control unit displays the insurance list including insurance premiums after a total amount of insurance premiums of the plurality of insurance policies is allocated to the plurality of insurance policies according to the evaluation values ​​of the plurality of insurance policies. The display control device according to claim 1 .

12. The display control unit displays the insurance list including the evaluation value when the user executes a health promotion program that improves the evaluation value. The display control device according to claim 1 .

13. The evaluation value calculation unit calculates a value representing a degree of an expected value of the refund amount relative to an expected value of the payment amount as the evaluation value. The display control device according to claim 1 .

14. The insurance listing includes the valuation value of the insurance. The display control device according to claim 1 .

15. The occurrence probability follows a Weibull distribution A display control device according to any one of claims 1 to 14.

16. A display control device comprising: Calculating an expected value of a payment amount of an insurance policy to prepare for a life-related event and an expected value of a refund amount of the insurance policy by using an occurrence probability of the life-related event occurring to the user; calculating a valuation value of the insurance using the expected value of the payment and the expected value of the refund; detecting an insurance to be recommended to the user from among the insurances registered in a database according to the evaluation value; Displaying a list of insurance policies recommended to the user; A display control method comprising:

17. Calculating an expected value of an insurance payout for insurance against a life-related event and an expected value of a refund of the insurance, using the probability of the occurrence of the life-related event in the user; The expected value of the payment and the expected value of the refund are used to calculate the valuation value of the insurance. An evaluation value calculation unit; Detecting insurance to be recommended to the user from among insurances registered in a database according to the evaluation value; Display a list of insurance policies recommended to the user Display control unit A program that makes a computer function.

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