世界一わかりやすい外貨建て保険の仕組み

世界一わかりやすい外貨建て保険の仕組み

生命保険の中で今一番話題になっている商品が、外貨建保険です。 同じ保障でも、円建保険と外貨建保険では保険料もかなり違います。(外貨建保険の方が安い)
そんな外貨建保険ですが、様々なメディアでは「危ない保険」と言われています。 そもそも、何が危ないのか? 「悪魔の保険」、「合法的な詐欺商品」とまで書かれたこともありますが、 実際に大手生命保険会社で外貨建保険を設計していた筆者が、その仕組みや注意点を世界一わかりやすく解説します。

ポイント①仕組みは超簡単!円ではなく外貨(ドル)なだけ。

普通、生命保険の保険料は円で支払いますよね。「月々1万円」というように、円で払うのが普通です。

外貨建て保険は、それをドルで支払います。「月々100ドル」というかんじです。 これが外貨建て保険です。

保険金もドルで設定します。普通の保険は、「保険金を1,000万円」というように設定しますが、外貨建て保険では「保険金を10万ドル」というように設定します。

でも「ドルで払う」「ドルで受け取る」って、何だか難しそうに聞こえませんか?銀行にドルを入れなきゃいけないの?など不安に聞こえるかもしれません。 大丈夫です。普通の保険と何も変わりません。 円に直した金額が、毎月口座から引き落とされるようになっているのです。 また、受け取りも円に直した金額が振り込まれます。

例えば保険料が「月々100ドル」で、その月が1ドル=100円だったとしましょう。 すると、100ドル=1万円が、自動で口座から引き落とされるようになっています。 保険金も同じです。「10万ドル受け取る」ことになっていたら、1ドル=100円だとすると1,000万円が保険会社から振り込まれるということです。

ポイント②毎月支払額が変わる!?

さて、ここが世間で「外貨建保険は危ない」と言われる理由です。 どういうことか、わかりやすくご説明します。

普通、保険に入ると、保険料は変わりません。契約したときに「月々1万円」と言われたら、ずっと1万円を支払い続けます。 外貨建保険もそれは同じです。「月々100ドル」と言われたら、ずっと100ドルを支払い続けます。 しかし外貨建て保険は毎月円に直した金額を支払います。

つまり1ドル=100円であれば、その月の保険料は1万円ですが、翌月1ドル=120円になったら、その月は1万2千円を支払わなければなりません。100ドルを支払うことに変わりはありませんが、引き落とされる金額は円なので、毎月保険料が変わるのです。

極端な話、1ドル=100万円になってしまった場合、100ドル=1億円が引き落とされてしまうということです。 逆に、1ドル=1円であれば、100ドル=100円が引き落とされるということです。 これが円建保険と大きく違う点です。

「為替リスク」

このように、ドルと円の関係が変わるたびに、引き落とされる金額が変わることを「為替リスク」といいます。

ちなみに最近は保険会社も鋭意工夫をしていて、どんなに為替レートが変動しようと、当初決めたレートで円に換算しますよという保険もあります。 契約時に1ドル=100円と決めておけば、例え1ドルが1兆円になろうとも、月々の支払金額は1万円でいいですよという保険です。三井生命の外貨建て保険がこのタイプです。

これは保険会社がリスクを負っている分、通常より高めに為替レートが設定されています。つまり契約する月のレートが1ドル=120円くらいだとすると、1ドル=150円くらいで設定されるということです。

外貨建保険といってもこのように様々なタイプがありますから、それはまた今度ご説明しますね。

ポイント④もらえる保険金額も変わる!?

為替リスクのことはわかってもらえましたね。 これは保険金を受け取るときにも言えることです。

「10万ドルを受け取る」契約があるとしましょう。 受け取る時も円に換算されますから、1ドル=100円のときに保険金を受け取ると1,000万円になりますね。 これがもし、1ドル=120円のときに保険金を受け取ると、1,200万円になります。

逆に、1ドル=80円のときに保険金を受け取ると、800万円になります。 保険金を受け取るタイミングによって、受け取る保険金が変わるというのが外貨建て保険の特徴なのです。

え、じゃあギャンブルみたいなものじゃないかと思いましたか? 例えば先月まで1ドル=120円だったのに、ご主人が亡くなったときたまたま1ドルが80円になっていたら、不謹慎は話ではありますが、先月だったら1,200万円を受け取れたのに、今月亡くなったばかりに800万円しか受け取れないじゃないかということになりますよね。 これでは拭える涙も拭えないじゃないかと言われても仕方ありませんね。

外貨建保険のすごい機能:据置(すえおき)

大丈夫です。全ての外貨建保険には「据置(すえおき)」という機能があります。 あえて保険金を請求せず、自分の好きなタイミングで保険金を請求できるという機能です。 今月は1ドルの金額が安いから請求せず、1ドルの金額が高くなってから請求するということができるわけです。

今は1ドル80円なので800万円しかもらえないが、1ドル120円のときに請求すれば1,200万円が受け取れるから、1ドル120円になるまで待つことができます。 ただし、永久に据置できるわけではなく、据え置けるのは10年までとなっています。

据置(すえおき)の弱点

「1ドル120円になったタイミングで自動で振り込んでください」ということができれば便利なのですが、このようなサービスを行っている会社は今のところありません。 だから毎日為替レートを見て、請求する・しないを自分で決めなければなりません。

据え置きできるタイミングが10年と限られていること、自分で請求タイミングを判断しなければならないところも、「外貨建保険が危ない」とされる理由です。

結局10年待ったけど為替がずっと悪かった、ということもありえます。それならば我慢しないで早めに請求すればよかった、ということもありえます。

また生命保険は、一家の経済的大黒柱が亡くなったときに、それを補填するのが目的で加入します。 一刻も早く生命保険金を受け取らないと家計が苦しいというときに、為替が悪いので保険金を請求するのをためらってしまうというというのは、保険といえるのかという議論もあります。

このように為替という不確定な要素があることが、「外貨建保険は危ない」と言われる理由です。

ポイント⑤普通より保険料が安い!?

「危ない」と言われつつ人気である理由が、ズバリこれです。 例えばあなたがいま30歳で、60歳まで保険料を払う終身保険に加入されたとしましょう。 終身保険ということは、人間は必ずいずれかは死にますから、必ずいずれかのタイミングで保険金を受け取ることができます。

円建保険の場合、保険金1,000万円だと大体月々2.5万円くらいの保険料になります。つまり、保険金1,000万円のために、2.5万円/月×12ヶ月×30年=900万円程度を払込むことになります。

これが外貨建て保険の場合、保険金10万ドルだと大体月々130ドルくらいの保険料になります。保険金10万ドルのために、130ドル/月×12ヶ月×30年=4.7万ドル程度を払込むということです。

払った保険料に対して、返ってくる保険金額の割合が全然違いますよね。この返ってくる金額の割合を「返戻率」といいます。

  • 900万円払って1,000万円もらえるとすると、返戻率は約111%。
  • 4.7万ドル払って10万ドルもらえるとすると、返戻率は約208%。

明らかに、外貨建て保険の方が返戻率は高いことがわかりますね。

「保険料が安い」=「返戻率が高い」

「保険料が安い」というのは、「返戻率が高い」という意味で言われています。

注意して欲しいのは、支払う保険料が絶対的に安いというわけではありません。 為替レート次第では、外貨建保険の方が高くもなりえます。

2.5万円と130ドルを比べると、1ドル=193円以上になると払い込む保険料は円建保険の方が安いということになります。

1ドル193円時代がくるとは筆者は想像もつきませんが、未来のことは誰にもわからないので、絶対に毎月の保険料が円建保険よりも安いと決まっているわけではありません。

ただし、1ドル193円時代になったらなったで、返ってくる保険金額も高くなるのです。例えば10万ドルであれば、1,930万円になります。 一方、円建保険の場合は結局1000万円しか返ってきませんから、超円安になったとしても外貨建保険にはメリットがあるということです。

なぜ外貨建保険は保険料が安いのか?

では何故外貨建保険は円建保険と比べて、保険料が安い(=返戻率が高い)のでしょうか。

保険の仕組みを知れば簡単に理解できます。

そもそも、なぜ保険会社は900万円しかもらっていないのに、1000万円を返すことができるのでしょうか。 差額の100万円はどこからくるのでしょうか。当然保険会社が善意でポケットマネーを出しているわけではありません。

それは預かったお金をもとに、保険会社が独自に株や国債などに投資して運用してお金を増やしているからです。

900万円を、運用で1,050万円くらいに増やして、そこからお客さまに1,000万円をお返ししているということです。(残りの50万円は保険会社のもとに入ります)

ここで重要なのは、そのほとんどは国債で運用されているということです。 円建保険の場合、大部分は日本国債で運用されています。日本国債の金利はとても低く、ほとんど増えません。

一方、外貨建保険(ドル建吠保険)の場合、大部分は米国債で運用されています。米国債は金利が高く、日本国債で運用するよりもお金がたまります。

そもそも米国債はドルでしか買えません。だから保険料支払いも「ドル」なのです。また同様に、米国債はドルにしか換金できませんから、保険金受け取りも「ドル」なのです。 国債の金利が高い、すなわちお金がたまりやすい。これが、外貨建保険の方が返戻率が高い理由です。

自分で国債を運用した方がいい?

ところで、それなら自分で国債を買えばよくない?保険会社も同じことをやっているんだよね?わざわざ保険会社に預けなくても、自分で国債を買い続ければ保険会社に手数料を引かれることもないんじゃない?と思われたかもしれません。 おっしゃる通りです。

しかし筆者はあまりおすすめできません。

国債は長期国債であればあるほど金利が高いというのが理由です。詳しくご説明します。

国債は換金できるまでの期間がきまっています。例えば10年国債を買えば、10年間は何があっても換金できません。30年国債を買えば30年間は何があっても換金できません。

保険会社が買っている国債の多くは、30年国債です。その方が金利が高く、運用幅が大きいからです。 では個人で30年国債を買ったとしましょう。確かに、保険会社に手数料をひかれることはありませんから、運用した金額は全て自分のものになります。

しかしその間にもし換金したい事情ができてしまっても、どうすることもできません。30年間待つ必要があるのです。

これが筆者が個人で長期国債をおすすめできない理由です。 保険会社は永続的に会社が続くものとして考えていますから、30年国債を買って30年間換金を待つこともできます。しかし個人単位で見れば、30年も換金できないというのはこれはこれでリスクではないかと筆者は考えています。

また、あくまで保険は投資ではなく、保障です。 保険の場合、契約してから3ヶ月後に亡くなった場合でも、10万ドル受け取ることができます。個人で運用している場合、万一のことがあったときに、30年国債なので30年後まで換金できませんというのでは困るということです。

ポイント⑥外貨建て保険は手数料が高い!?

「外貨建保険は手数料をばかすか抜く」という人もいますが、本当に保険会社は手数料をばかすか抜いているのかどうか、外貨建保険の設計者である私がお伝えします。

全ての生命保険商品は金融庁に認可をとっている

まず知っていただきたいのが、「保険料は全て金融庁に許可をもらっている」ということです。 「実質的監督主義」といって、日本では保険は金融庁によって厳しい監督を受けています。

アメリカの保険は、あくまでビジネスはビジネスだからという思想のもと、各会社が自社の商品の価格を自由に設定できます。 しかし日本の場合、保険は国民の資産形成の一部であるから国がしっかり監督しなければならないという思想のもと、保険料は金融庁に認可をもらう必要があるのです。

ここで、手数料を「ばかすか」抜くようなことは絶対に認められません。 逆に、保険料が安すぎては保険会社が潰れてしまう可能性があります。これはひいてはお客さまに迷惑をかけることになるので、安すぎる保険料でも認可をもらえません。 国民と生命保険会社がお互い発展できる価格でしか、保険を売ってはいけないのです。

手数料は円建と外貨建、どっちが安い?

では、実際に円建保険の手数料と外貨建保険の手数料(保険会社はこれを「事業費」と呼びます)はどちらの方が高いのでしょうか。 答えは外貨建保険です。

なぜ高いか、それは主に「人件費」と「収納コスト」と「為替手数料」にあります。

「人件費」

「人件費」から説明します。 外貨建保険は円建保険よりも説明しなければならない事項が多いです。例えば「為替リスク」の説明をするだけでも時間がかなりかかります。 したがって、1件あたりの契約にかかる時間が円建保険よりも長くなります。よって人件費が通常よりもかかるという訳です。

「収納コスト」

次に、「収納コスト」とはお金の出入金を管理するコストです。外貨での出入金を管理するのは簡単なことではなく、それ専用の大規模なシステム開発を行う必要があります。 これが二つ目の理由です。

「為替手数料」

そして最後が「為替手数料」です。 保険会社はお客さまからは円でお金を受け取り銀行でドルに換金した上で米国債を購入するという流れで資産を運用しています。銀行でドルに換金する際、保険会社は銀行に両替手数料を支払う必要があります。 これが「為替手数料」です。

個人で旅行に行くとき、外貨に換金すると手数料がとられるのと全く同じです。 その手数料分が保険料に上乗せされています。

この「換金コスト」でどれくらい上乗せされているかについては、パンフレットやHPで公開する義務が保険業法によって定められています。 これを見ると、ソニー生命の為替手数料が全保険会社でもっとも安く、保険料1ドルにつき0.01円上乗せされています。 為替手数料がもっとも高いプルデンシャル生命の場合、1ドルにつき1円上乗せされています。(ソニー生命の100倍!)

ただしこれはプルデンシャル生命が悪徳業者であるということでは全くありません。この換金コストは保険会社の取り分ではなく、銀行に支払われる分です。各保険会社は銀行と交渉し、少しでもこの手数料を安くしたいと努力しています。

いずれにせよ、これらのコストについても保険会社は金融庁に何度も説明し、認可をもらって初めて商品として売り出すことができます。 ぼったくりはできない仕組みになっています。

これらが手数料を高くせざるを得ない理由です。外貨建保険ってだけでよくわからないだろうから、手数料もついでに水増しして利益をあげてやろうなどという理由では決してありません。

手数料がいくらであろうと返戻率は高い

ただ手数料がいくらであろうと、その手数料はすでに保険料に含まれています。 「保険金10万ドルに対して月々120ドル」といわれたら、それは手数料も含んだ金額です。だから、返戻率が円建保険よりも圧倒的に高いという事実に変わりはありません。

ポイント⑦外貨建て保険は「ドル」だけではない

これまで、米ドル建て保険のことをメインに説明してきましたが、実は他にも豪ドル(オーストラリアドル)建て保険や、カナダドル建て保険、ユーロ建て保険など、様々な外貨建て保険があります。仕組みは米ドル建てと同じです。その通貨を発行している政府の国債で運用し、保険金を支払っています。

最後に

以上が、外貨建て保険の仕組みです。 結局何がおすすめなのかなどは、また別の記事で書くとして、ここでは仕組みを書くことに徹底しました。 みなさまのお役に立てれば嬉しいです。

 

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