JPS5917656A - Electronic calculator for estimation of life insurance - Google Patents

Abstract

PURPOSE:To immediately calculate the premium of life insurance combining plural commodities by inputting prescribed data through a keyboard. CONSTITUTION:When a power switch 9 is turned on, the menues of various insurance commodities are displayed on a display device 2. When the premium of ''endowment'' insurance is to be calculated for instance, a key ''3'' out of ten key 3 is depressed to determine the menu. When questions related to individual data are displayed on the display device 2 by depressing the key ''3'' out of the ten keys 3, individual data are inputted and a confirmation key 22 is depressed to advance the succeeding operation. In the succeeding operation also, data are inputted and the confirmation key 22 is depressed and then plural operation steps are repeated, so that the premium of the life insurance can be immediately calculated.

Description

[Detailed Description of the Invention] The present invention calculates and instructs the fees and other necessary matters for life insurance to be taken out by inputting predetermined conditions (data), and graphically displays the long-term contribution management. The present invention relates to a life insurance quote calculator that can be expressed as follows, and can facilitate calculations in sales and facilitate understanding by subscribers.

Traditionally, when soliciting life insurance, a salesman shows the premium to a subscriber by selecting the appropriate insurance from a set of multiple products with premiums set in advance, such as those printed on a pamphlet. The method used was to calculate and total the premiums for each product from time to time using a rate table as a reference. However, the former has the disadvantage that the range of choices for subscribers is narrow and it is difficult to combine products freely, while the latter allows for free combination of products, but requires prior knowledge to calculate premiums. The work required skill and was cumbersome. In addition, even if you can calculate the premium rate, it is necessary to use numbers and numbers to help subscribers understand the long-term operation of the premium.
Instructions such as premiums and rates were not clear, so it was necessary to display them graphically.

In view of the above-mentioned drawbacks, the present invention provides life insurance that allows the premiums of a combined life insurance product for multiple products to be immediately calculated by inputting predetermined data using a keyboard, and furthermore, the operation thereof can be displayed graphically. It provides an estimate calculator.

An embodiment of the present invention will be described below with reference to the drawings.

In Fig. 1, numeral 1 is a calculator with a built-in calculation function used for life insurance estimates. are doing. The upper half of the surface of the calculator 1 has a large display 2 that indicates numbers, letters, and figures.This display 2 displays a large number of points using, for example, a liquid crystal display. numbers anywhere on the entire surface.
It can express characters and figures.

The lower half of the calculator 1 has a keyboard for various operations; in the center is a numeric keypad 3 that displays numbers 0 to 9; to the left of the numeric keypad 3 is a data key 4 for entering various conditions; On the right are arithmetic keys 5 for performing four arithmetic operations, control keys 6 for execution and correction, and numeric keypad 3.
A mode key 7 for changing set values, an inversion key 8 for inverting the screen, and a power switch 9 are provided above the screen. Of this keyboard group, data key 4 is S for "Showa" and S/male key 10 is "Gender" for male.
T for "Taisho" and T for "Gender" to indicate female/Female key 11, year for "Year" and Fu for "Ordinary insurance"/Fu key 12, "
Both the age/group key 13 indicating the group of ``age'' and the group of ``group insurance'' are composed of independent keys. Below, the calculation key 5 is "disaster special contract" disaster and "addition" disaster /+
Key 14, the scratch indicating the “Injury Special Clause” and the scratch indicating “Subtraction”/
-Key 15, doctor for "hospitalization medical special contract" and doctor showing "x" for "multiplication"/X key 16, "adult disease special contract" for completion and "division" for ÷
It is composed of the //÷ key 17 to indicate "total", the = key 18 to indicate "total", the 10,000 yen key 19 to indicate units, and the yen key 20, and the 6-digit control key indicates correction to "correct" and C to "clear". Edit/
It consists of a C key 21 and a confirmation key 22 indicating "confirm and proceed".

The mode key 7 is composed of an insurance premium key 23 that indicates "modification of premium and the amount of insurance based on the premium amount," a term key 24 that indicates "term insurance," and an endowment key 25 that indicates "endowment insurance."

Figure 2 is a block diagram of the electrical system in this embodiment.
The aforementioned numeric keypad 3, data key 4, calculation key 5, control key 6, and mode key 7 are each connected to an input check circuit 26 that checks input signals to prevent chattering, etc. Decoder circuit 27
A key human branch logic circuit 28 and a key human buffer circuit 29 are connected to the key human branch logic circuit 28 and the key human buffer circuit 29, respectively. The output of the input decoder circuit 27 is input to an input control circuit 30, the output of the input control circuit 30 is input to a display control circuit 31 and an arithmetic control circuit 32, and the arithmetic control circuit 32 has an arithmetic storage circuit. 33 and a numeric storage circuit 34 are connected. This number storage circuit 3
The output of 4 is input to the arithmetic and storage circuit 33, and the output of the arithmetic and storage circuit 33 is input to the display control circuit 31. The input control circuit 30 is interconnected with a program table 35, and the output of the program table 35 is inputted to a display pattern generation circuit 37 via a display pattern table 36.
The output of 7 is input to the display control circuit 31, and the display 2 is connected to the p1 display control circuit 3l via the drive circuit 716.The inversion key 8 is connected to the inversion circuit 3.
9 is connected, the output of the inversion circuit 39 is connected to the drive circuit 38.
It is connected to.

Next, the operation of this embodiment will be explained.

``Insurance Menu Display'' When the power switch 9 is turned on, current flows through the electric circuit and preparations for insurance fee calculation are made, and the display 2 shows a set of various insurance products C as shown in Figure 1. ) menu is displayed. This menu searches the patterns stored in the display pattern table 36, selects a corresponding pattern, transmits the stored pattern to the display pattern generation circuit 37, reproduces it visually, and displays it in the display control circuit 3.
1. This is performed by causing the drive circuit 38 to display a predetermined point (c dot) on the display 2. In this example, “
The case of calculating the contribution amount for "endowment" insurance will be explained below as an example, so press the "3" key on the numeric keypad 3 to select the menu.

``Entering subscriber's personal data'' As mentioned above, by pressing the "3" key on the numeric keypad 3, the display 2 will display the date of birth, gender, rate, and payment method stored in the pattern file 36. is displayed, and the user enters personal data by operating keys in order for each of these questions. First of all, for date of birth, S/Male key 10
Alternatively, use either the T/Female key 11 and the numeric keypad 3, select either the S/Male key 10 or the T/Female key 11 for gender, and select the Year/Female key 12 or Year/Female key for the rate.
Select and press one of the group keys 13. As for the payment method, select one of (1) monthly payment, (2) semi-annual payment, and (3) annual payment displayed on display 2 using numeric keypad 3 and press the button. After inputting the data for all items, visually check the display 2. If the input data is incorrect, press the Edit/C key 21 to clear the display 2 screen and repeat the same operation as above. Re-enter. If it is determined that the input data is correct, the user presses the confirmation key 22 and performs the next operation.

``Insurance condition data manual'' When the above-mentioned personal data is input and the confirmation key 22 is pressed, the insurance condition items shown in Fig. 4 are displayed on the display 2, and these items include (1) death benefit; The term, (2) maturity period, (3) death benefit amount, and (4) maturity amount are set. For this purpose, the user presses each number on the numeric keypad 3 according to each item and inputs the numerical value as necessary as a condition. After all the data has been input, visually check the numerical values, and if they are incorrect, press the revise/C key 21 to clear the screen and re-enter the data using the same operations as described above. If the data input is correct, press the confirmation key 22 and proceed to the next operation.

``Input of special contract setting data'' After the above-mentioned insurance condition data is input and the confirmation key 22 is pressed, input of the special contract setting data to be added to the insurance begins, and the special contract shown in FIG. 5 is displayed on the display 2. The following clauses are displayed in order: (1) Disaster rider, (2) Injury rider, (3) Hospital medical care rider, and (4) Adult disease rider.

If you do not need to subscribe to this special contract, please revise/C key 21.
Press to skip this data entry and proceed to the next step, ``Displaying the estimate screen.'' However, in order to subscribe to a special contract, the user presses the number on the numeric keypad 3 for each special contract clause and inputs the required value (guaranteed amount) as data. When data input has been completed for all items, press the revise/C key 21 to re-enter data as described above, or press the confirmation key 22 to proceed to the next step.

"Displaying the estimate screen" When the confirmation key 22 is pressed as described above, the program table 35 is displayed according to the input condition data and set values.
The arithmetic control circuit 32 executes a predetermined arithmetic operation according to the arithmetic program for the product "Yoro" stored in advance in the computer, and the result is transmitted to the arithmetic memory circuit 33 and the numerical value memory circuit 34, and the memorized result is displayed. The control circuit 31 transmits the calculation result to the display 2. Further, a preset estimate figure is transmitted from the display pattern table 36 to the display pattern generation circuit 37, and a signal of the estimate figure from this pattern generation circuit 37 is also transmitted to the display control circuit 31, so that the estimate screen is shown in FIG. On this estimate screen, the monthly payment A1 special contract item, the amount B5, the total amount received at maturity C, the dividend D at maturity, and the accumulated amount E at maturity, which are the calculation results, are shown numerically, and the center of display 2 shows the amount of contributions. Long-term operation is displayed using figure F, allowing salespeople and subscribers to recognize the calculation results based on all condition data at a glance.

“Adjustment of quotation by modifying data” As mentioned above, the insurance quotation screen is displayed depending on the input data and conditions, but depending on the subscriber's request, the premium (insurance premium) can be increased or decreased, or the input data that has been set can be modified. It is necessary to adjust the insurance combination K expected by the subscriber. In this case, after pressing the Edit/C key 21, you can enter the key of the item that needs to be corrected and its amount as correction data, and adjust the estimate in small increments. You can change the estimate many times, including the amount and premium (insurance money).

``Reverse the estimate screen'' When a salesman holds this calculator 1, he presses the invert key 8 when he wants to show the estimate screen to the subscriber.
By pressing , the inversion circuit 39 transmits an inversion signal to the drive circuit 38, which inverts the estimate screen shown in FIG. 6 by 180 degrees and changes it to various figures shown in FIG. Therefore, the subscriber facing the salesman can view the estimate screen without having to turn the calculator over.

``Estimate from premiums (insurance claims)'' As mentioned above, you can display the estimate screen after entering the data regarding the insurance amount, but conversely, you must first set the premiums (insurance claims) to be paid and then view the estimate first. You can also display the screen and then make adjustments. In this case, after entering the subscriber's personal data, press the insurance premium key 23, then press the = key 18 to determine the premium (insurance premium) that the subscriber can pay.
Enter the amount using the numeric keypad 3 and press the confirmation key 22. As a result, the estimate screen shown in FIG. 6 displays the calculated amount for the loan amount. If you want to add special contract conditions, press one of the keys 14 to 17 related to the special contract, then key in the key 18, the set amount using the numeric keypad 3K, the 10,000 yen key 19, and the confirmation key 22 in that order to enter each special contract. is added. In addition, when increasing or decreasing the periodic period or periodic maturity amount, or increasing or decreasing the endowment period or endowment maturity amount, use the periodic key 24 or the endowment key 2 in the same manner.
Press 5 and press either the disaster/+ key 14 or the damage/- key 15. When increasing or decreasing the period, press the year/general key 12 and press the confirmation key 22. When increasing or decreasing the maturity amount, press the 10,000 yen key 19 and press the confirmation key 22. This allows you to adjust the estimated amount and coverage amount to the expected amount.

As described above, the estimate operation for "endowment" insurance can be performed, and the operation and display procedure can be illustrated by the flowchart shown in FIG.

To briefly explain the screen when you select another insurance from the menu in Figure 1, (5) If you select a significant preference, the condition data entry screen shown in Figure 9 will be displayed, and after entering the data. The estimate screen is shown in FIG. The estimate screen when you select (4) Full life from the menu is shown in Figure 11, the estimate screen when you select (6) Youth is shown in Figure 12, and when you select (7) Children. The estimate screen will be as shown in Figure 13.

Since the present invention is configured as described above, complicated insurance premiums (
The calculation result and long-term operation can be displayed graphically for easy identification, and insurance calculations can be made immediately without using pamphlets or rate tables, making it useful for sales. This allows both insurance policyholders and policyholders to easily understand the insurance content and conditions.

[Brief explanation of drawings]

Fig. 1 is a plan view of a calculator showing an embodiment of the present invention, Fig. 2 is a block diagram of the same electrical system, and Figs. 3, 4, and 5 are conditions and data for purchasing insurance. Fig. 6 is an explanatory diagram showing the input of the above, Fig. 6 is the estimate screen, Fig. 7 is the estimate screen showing the inverted state, Fig. 8 is a flowchart showing the same operation and display procedure, Figs. 9, 10, and 11 reasons, Figure 12,
FIG. 13 shows an estimate screen using another insurance menu. 1... Calculator, 2... Display, 3... Numeric keypad, 4
・゜・Data key ・5...Calculation key, 6...Control key, 7...Mode key. -313- -314- -315- -316-

Claims (1)

[Claims] a plurality of input means for inputting conditions and data for insurance participation; a calculation processing means for outputting the insurance amount and corresponding insurance operation in the form of graphics according to preset procedures according to the conditions and data; 1. A life insurance estimate calculator comprising a display means capable of displaying data and calculation results numerically and graphically.