ASSET AND LIABILITY MANAGEMENT DEVICE AND METHOD FOR INSURANCE COMPANY

摘要

PROBLEM TO BE SOLVED: To improve estimation accuracy of an amount of money for insurance income and expenditure items in the future. SOLUTION: The device estimates an amount of money for insurance income and expenditure items. It acquires information of an existing contract which is an insurance contract of an already contracted customer. It estimates a future insurance amount on the basis of the insurance amount of the existing contract. It calculates a value of multiplying an estimate of the future insurance amount by a ratio of the amount of money for the insurance income and expenditure items to the insurance amount acquired on the basis of the information of the existing contract as the amount of money for the future insurance income and expenditure items. The insurance income and expenditure items are for example a reserve, an insurance premium, and dividends. Estimation of the insurance amount is more accurate than estimation of the reserve or the like. Consequently, higher estimation accuracy can be provided than calculating the reserve or the like directly from the information of the existing contract.