{"id":31323,"date":"2026-09-24T09:55:24","date_gmt":"2026-09-24T00:55:24","guid":{"rendered":"https:\/\/official.gfs.tokyo\/blog\/?p=31323"},"modified":"2026-09-24T09:55:24","modified_gmt":"2026-09-24T00:55:24","slug":"hayashi-so-different-from-japan-three-companies-powering-the-u-s-insurance-market-globe-life-aflac-and-unum-group","status":"publish","type":"post","link":"https:\/\/official.gfs.tokyo\/blog\/hayashi-so-different-from-japan-three-companies-powering-the-u-s-insurance-market-globe-life-aflac-and-unum-group","title":{"rendered":"\u65e5\u672c\u3068\u306f\u3053\u3053\u307e\u3067\u9055\u3046\uff01\u7c73\u56fd\u4fdd\u967a\u5e02\u5834\u3092\u652f\u3048\u308b3\u793e\u300cGlobe Life\u30fbAflac\u30fbUnum Group\u300d"},"content":{"rendered":"<h2 data-section-id=\"ayi688\" data-start=\"0\" data-end=\"28\" class=\"PDq2pG_selectionAnchorContainer\">\u65e5\u672c\u3068\u306f\u7570\u306a\u308b\u7c73\u56fd\u306e\u4fdd\u967a\u5e02\u5834\u3001\u305d\u306e\u7279\u5fb4\u306b\u8feb\u308b<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/h2>\n<p data-start=\"30\" data-end=\"376\">\u7c73\u56fd\u306e\u4fdd\u967a\u5e02\u5834\u306b\u306f\u3001\u65e5\u672c\u3068\u306f\u7570\u306a\u308b\u72ec\u7279\u306e\u69cb\u9020\u304c\u3042\u308a\u307e\u3059\u3002\u65e5\u672c\u3067\u306f\u56fd\u6c11\u7686\u4fdd\u967a\u5236\u5ea6\u3092\u57fa\u76e4\u3068\u3057\u3066\u3001\u516c\u7684\u533b\u7642\u4fdd\u967a\u304c\u533b\u7642\u4fdd\u969c\u306e\u4e2d\u5fc3\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u7c73\u56fd\u3067\u306fMedicare\u3084Medicaid\u306a\u3069\u306e\u516c\u7684\u5236\u5ea6\u306b\u52a0\u3048\u3001\u52e4\u52d9\u5148\u3092\u901a\u3058\u305f\u6c11\u9593\u533b\u7642\u4fdd\u967a\u3084\u500b\u4eba\u5411\u3051\u4fdd\u967a\u306a\u3069\u3001\u8907\u6570\u306e\u4ed5\u7d44\u307f\u304c\u7d44\u307f\u5408\u308f\u3055\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u304c\u62c5\u3046\u5f79\u5272\u306f\u65e5\u672c\u3088\u308a\u3082\u5927\u304d\u304f\u3001\u751f\u547d\u4fdd\u967a\u3060\u3051\u3067\u306a\u304f\u3001\u533b\u7642\u3001\u969c\u5bb3\u3001\u6240\u5f97\u4fdd\u969c\u306a\u3069\u5e45\u5e83\u3044\u5206\u91ce\u306b\u30d3\u30b8\u30cd\u30b9\u304c\u5e83\u304c\u3063\u3066\u3044\u307e\u3059\u3002\u4eca\u56de\u306f\u3001Globe Life\u3001Aflac\u3001Unum Group\u3068\u3044\u3046\u7279\u5fb4\u306e\u7570\u306a\u308b\u7c73\u56fd\u4fdd\u967a\u4f1a\u793e\u3092\u53d6\u308a\u4e0a\u3052\u3001\u305d\u308c\u305e\u308c\u306e\u4e8b\u696d\u5185\u5bb9\u3084\u53ce\u76ca\u69cb\u9020\u3092\u898b\u3066\u3044\u304d\u307e\u3059\u3002\u7c73\u56fd\u306e\u4fdd\u967a\u5236\u5ea6\u3092\u77e5\u308b\u3053\u3068\u306f\u3001\u5404\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3092\u7406\u89e3\u3059\u308b\u3068\u3068\u3082\u306b\u3001\u7c73\u56fd\u4fdd\u967a\u682a\u3092\u6bd4\u8f03\u3059\u308b\u3046\u3048\u3067\u3082\u91cd\u8981\u306a\u30dd\u30a4\u30f3\u30c8\u3068\u306a\u308a\u307e\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u4f01\u696d\u540d<\/th>\n<th align=\"right\">\u30c6\u30a3\u30c3\u30ab\u30fc<\/th>\n<th>\u4e3b\u306a\u4e8b\u696d<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Globe Life<\/strong><\/td>\n<td align=\"right\"><strong>GL<\/strong><\/td>\n<td>\u751f\u547d\u4fdd\u967a\u3001\u533b\u7642\u4fdd\u967a\u3001\u30e1\u30c7\u30a3\u30b1\u30a2\u88dc\u5b8c\u4fdd\u967a<\/td>\n<\/tr>\n<tr>\n<td><strong>Aflac<\/strong><\/td>\n<td align=\"right\"><strong>AFL<\/strong><\/td>\n<td>\u533b\u7642\u4fdd\u967a\u3001\u751f\u547d\u4fdd\u967a\u3001\u50b7\u5bb3\u4fdd\u967a<\/td>\n<\/tr>\n<tr>\n<td><strong>Unum Group<\/strong><\/td>\n<td align=\"right\"><strong>UNM<\/strong><\/td>\n<td>\u969c\u5bb3\u4fdd\u967a\u3001\u751f\u547d\u4fdd\u967a\u3001\u533b\u7642\u95a2\u9023\u4fdd\u967a<\/td>\n<\/tr>\n<tr>\n<td><strong>CNO Financial Group<\/strong><\/td>\n<td align=\"right\"><strong>CNO<\/strong><\/td>\n<td>\u751f\u547d\u4fdd\u967a\u3001\u5e74\u91d1\u3001\u533b\u7642\u4fdd\u967a<\/td>\n<\/tr>\n<tr>\n<td><strong>Primerica<\/strong><\/td>\n<td align=\"right\"><strong>PRI<\/strong><\/td>\n<td>\u5b9a\u671f\u751f\u547d\u4fdd\u967a\u3001\u6295\u8cc7\u30fb\u91d1\u878d\u30b5\u30fc\u30d3\u30b9<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2>\u30a2\u30e1\u30ea\u30ab\u306e\u516c\u7684\u4fdd\u967a\u3068\u6c11\u9593\u4fdd\u967a\u306f\u4f55\u304c\u9055\u3046\uff1f\u65e5\u672c\u306e\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u3068\u6bd4\u8f03\u3057\u3066\u5206\u304b\u308b\u300c\u4fdd\u967a\u5927\u56fd\u300d\u306e\u4ed5\u7d44\u307f<\/h2>\n<p>\u30a2\u30e1\u30ea\u30ab\u306e\u4fdd\u967a\u4f1a\u793e\u306b\u306f\u3001\u30b0\u30ed\u30fc\u30d6\u30fb\u30e9\u30a4\u30d5\uff08GL\uff09\u3084Aflac\uff08AFL\uff09\u3001\u30e6\u30ca\u30e0\u30fb\u30b0\u30eb\u30fc\u30d7\uff08UNM\uff09\u306a\u3069\u3001\u751f\u547d\u4fdd\u967a\u3084\u533b\u7642\u4fdd\u967a\u3092\u624b\u639b\u3051\u308b\u4f01\u696d\u304c\u6570\u591a\u304f\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3001\u65e5\u672c\u3067\u306f\u56fd\u6c11\u7686\u4fdd\u967a\u5236\u5ea6\u304c\u6574\u5099\u3055\u308c\u3066\u304a\u308a\u3001\u4f1a\u793e\u54e1\u306a\u3089\u5065\u5eb7\u4fdd\u967a\u3001\u81ea\u55b6\u696d\u8005\u306a\u3069\u306a\u3089\u56fd\u6c11\u5065\u5eb7\u4fdd\u967a\u3001\u9ad8\u9f62\u8005\u306a\u3089\u5f8c\u671f\u9ad8\u9f62\u8005\u533b\u7642\u5236\u5ea6\u306a\u3069\u3001\u57fa\u672c\u7684\u306b\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u901a\u3058\u3066\u533b\u7642\u3092\u53d7\u3051\u308b\u4ed5\u7d44\u307f\u3067\u3059\u3002\u4e21\u56fd\u3092\u6bd4\u8f03\u3059\u308b\u3068\u3001\u300c\u4fdd\u967a\u300d\u3068\u3044\u3046\u540c\u3058\u8a00\u8449\u3067\u3082\u3001\u305d\u306e\u5f79\u5272\u3084\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u306e\u4f4d\u7f6e\u4ed8\u3051\u306b\u306f\u5927\u304d\u306a\u9055\u3044\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u3092\u7406\u89e3\u3059\u308b\u3046\u3048\u3067\u91cd\u8981\u306a\u306e\u306f\u3001<strong>\u300c\u516c\u7684\u4fdd\u967a\u304b\u6c11\u9593\u4fdd\u967a\u304b\u300d\u306e\u4e8c\u629e\u3067\u306f\u306a\u3044<\/strong>\u3068\u3044\u3046\u70b9\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u306b\u306f\u3001\u653f\u5e9c\u304c\u904b\u55b6\u3059\u308bMedicare\uff08\u30e1\u30c7\u30a3\u30b1\u30a2\uff09\u3084Medicaid\uff08\u30e1\u30c7\u30a3\u30b1\u30a4\u30c9\uff09\u306a\u3069\u306e\u516c\u7684\u5236\u5ea6\u304c\u5b58\u5728\u3059\u308b\u4e00\u65b9\u3001\u73fe\u5f79\u4e16\u4ee3\u306e\u591a\u304f\u306f\u6c11\u9593\u306e\u533b\u7642\u4fdd\u967a\u3092\u5229\u7528\u3057\u3066\u3044\u307e\u3059\u3002CMS\uff08\u7c73\u56fd\u30e1\u30c7\u30a3\u30b1\u30a2\u30fb\u30e1\u30c7\u30a3\u30b1\u30a4\u30c9\u30b5\u30fc\u30d3\u30b9\u30bb\u30f3\u30bf\u30fc\uff09\u306b\u3088\u308c\u3070\u3001\u533b\u7642\u4fdd\u967a\u306b\u306f\u52e4\u52d9\u5148\u3092\u901a\u3058\u305f\u6c11\u9593\u4fdd\u967a\u3001\u500b\u4eba\u3067\u8cfc\u5165\u3059\u308b\u4fdd\u967a\u3001Medicare\u3084Medicaid\u306a\u3069\u653f\u5e9c\u306e\u30d7\u30ed\u30b0\u30e9\u30e0\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7279\u306b\u30a2\u30e1\u30ea\u30ab\u3067\u91cd\u8981\u306a\u306e\u304c\u3001<strong>\u52e4\u52d9\u5148\u3092\u901a\u3058\u305f\u6c11\u9593\u533b\u7642\u4fdd\u967a<\/strong>\u3067\u3059\u3002\u4f01\u696d\u304c\u5f93\u696d\u54e1\u5411\u3051\u306e\u56e3\u4f53\u533b\u7642\u4fdd\u967a\u3092\u7528\u610f\u3057\u3001\u5f93\u696d\u54e1\u3084\u305d\u306e\u5bb6\u65cf\u304c\u52a0\u5165\u3059\u308b\u4ed5\u7d44\u307f\u304c\u5e83\u304f\u666e\u53ca\u3057\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u300c\u3069\u306e\u4f1a\u793e\u3067\u50cd\u3044\u3066\u3044\u308b\u304b\u300d\u304c\u533b\u7642\u4fdd\u967a\u306e\u9078\u629e\u3084\u4fdd\u969c\u5185\u5bb9\u306b\u5f71\u97ff\u3059\u308b\u30b1\u30fc\u30b9\u304c\u3042\u308a\u307e\u3059\u3002CMS\u3082\u3001\u6c11\u9593\u4f01\u696d\u306e\u5f93\u696d\u54e1\u306b\u3064\u3044\u3066\u3001\u52e4\u52d9\u5148\u304c\u56e3\u4f53\u533b\u7642\u4fdd\u967a\u3092\u63d0\u4f9b\u3059\u308b\u30b1\u30fc\u30b9\u3092\u4e00\u822c\u7684\u306a\u4fdd\u967a\u5f62\u614b\u306e\u4e00\u3064\u3068\u3057\u3066\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u308c\u306b\u5bfe\u3057\u3066\u3001\u65e5\u672c\u306f\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u57fa\u672c\u3068\u3059\u308b\u4ed5\u7d44\u307f\u3067\u3059\u3002\u539a\u751f\u52b4\u50cd\u7701\u306b\u3088\u308b\u3068\u3001\u56fd\u6c11\u5065\u5eb7\u4fdd\u967a\u306f\u3001\u4ed6\u306e\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u306b\u52a0\u5165\u3057\u3066\u3044\u306a\u3044\u4f4f\u6c11\u3092\u5bfe\u8c61\u3068\u3059\u308b\u5236\u5ea6\u3067\u3001\u88ab\u7528\u8005\u4fdd\u967a\u3084\u5f8c\u671f\u9ad8\u9f62\u8005\u533b\u7642\u5236\u5ea6\u306a\u3069\u3068\u3068\u3082\u306b\u65e5\u672c\u306e\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u3092\u69cb\u6210\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u9055\u3044\u3092\u8003\u3048\u308b\u3068\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u300c\u516c\u7684\u4fdd\u967a\u300d\u306f\u3001\u56fd\u6c11\u5168\u54e1\u3092\u4e00\u3064\u306e\u5236\u5ea6\u3067\u30ab\u30d0\u30fc\u3059\u308b\u3082\u306e\u3067\u306f\u306a\u304f\u3001<strong>\u5e74\u9f62\u3001\u6240\u5f97\u3001\u969c\u5bb3\u306e\u6709\u7121\u306a\u3069\u306b\u3088\u3063\u3066\u5bfe\u8c61\u8005\u304c\u5206\u304b\u308c\u308b\u5236\u5ea6<\/strong>\u3068\u8003\u3048\u308b\u3068\u5206\u304b\u308a\u3084\u3059\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u4ee3\u8868\u7684\u306a\u306e\u304cMedicare\u3067\u3059\u3002Medicare\u306f\u539f\u5247\u3068\u3057\u306665\u6b73\u4ee5\u4e0a\u306e\u4eba\u3092\u5bfe\u8c61\u3068\u3057\u300165\u6b73\u672a\u6e80\u3067\u3082\u4e00\u5b9a\u306e\u969c\u5bb3\u304c\u3042\u308b\u4eba\u3084\u672b\u671f\u814e\u75be\u60a3\u306e\u60a3\u8005\u306a\u3069\u304c\u5bfe\u8c61\u3068\u306a\u308a\u307e\u3059\u3002Part A\u306f\u5165\u9662\u306a\u3069\u3001Part B\u306f\u533b\u5e2b\u306e\u8a3a\u7642\u3084\u5916\u6765\u533b\u7642\u306a\u3069\u3092\u30ab\u30d0\u30fc\u3057\u3001Part D\u3067\u306f\u51e6\u65b9\u85ac\u3092\u5bfe\u8c61\u3068\u3057\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u306eMedicaid\u306f\u3001\u4f4e\u6240\u5f97\u8005\u3092\u4e2d\u5fc3\u306b\u3001\u5b50\u3069\u3082\u3001\u598a\u5a66\u3001\u9ad8\u9f62\u8005\u3001\u969c\u5bb3\u8005\u306a\u3069\u3092\u5bfe\u8c61\u3068\u3059\u308b\u516c\u7684\u533b\u7642\u4fdd\u969c\u5236\u5ea6\u3067\u3059\u3002\u305f\u3060\u3057\u3001Medicaid\u306f\u9023\u90a6\u653f\u5e9c\u3068\u5dde\u653f\u5e9c\u304c\u5171\u540c\u3067\u904b\u55b6\u3059\u308b\u305f\u3081\u3001\u52a0\u5165\u8cc7\u683c\u3084\u7d66\u4ed8\u5185\u5bb9\u306b\u306f\u5dde\u306b\u3088\u308b\u9055\u3044\u304c\u3042\u308a\u307e\u3059\u3002(<a href=\"https:\/\/www.cms.gov\/files\/document\/2025-cms-omh-health-data-book.pdf?utm_source=chatgpt.com\" title=\"Health Equity Data Book\">CMS<\/a>)<\/p>\n<p>\u3055\u3089\u306b\u8208\u5473\u6df1\u3044\u306e\u304c\u3001<strong>\u516c\u7684\u5236\u5ea6\u306e\u4e2d\u306b\u3082\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u304c\u95a2\u308f\u308b\u4ed5\u7d44\u307f\u304c\u3042\u308b<\/strong>\u3053\u3068\u3067\u3059\u3002\u4ee3\u8868\u4f8b\u304cMedicare Advantage\u3067\u3059\u3002\u3053\u308c\u306fMedicare Part C\u3068\u3082\u547c\u3070\u308c\u3001Medicare\u306e\u627f\u8a8d\u3092\u53d7\u3051\u305f\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u306a\u3069\u304c\u63d0\u4f9b\u3059\u308b\u533b\u7642\u4fdd\u967a\u30d7\u30e9\u30f3\u3067\u3059\u3002Original Medicare\u3068\u306f\u7570\u306a\u308a\u3001\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u304c\u904b\u55b6\u3059\u308b\u30d7\u30e9\u30f3\u3092\u5229\u7528\u3059\u308b\u5f62\u306b\u306a\u308a\u307e\u3059\u3002CMS\u306b\u3088\u308c\u3070\u3001Medicare Advantage\u306b\u306fHMO\u3084PPO\u306a\u3069\u3055\u307e\u3056\u307e\u306a\u30bf\u30a4\u30d7\u304c\u3042\u308a\u3001Original Medicare\u306e\u7d66\u4ed8\u306b\u52a0\u3048\u3066\u8ffd\u52a0\u30b5\u30fc\u30d3\u30b9\u3092\u63d0\u4f9b\u3059\u308b\u30d7\u30e9\u30f3\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u70b9\u306f\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u4fdd\u967a\u682a\u3092\u898b\u308b\u3046\u3048\u3067\u3082\u91cd\u8981\u3067\u3059\u3002\u30b0\u30ed\u30fc\u30d6\u30fb\u30e9\u30a4\u30d5\u306e\u3088\u3046\u306a\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u3068\u3001\u533b\u7642\u4fdd\u967a\u3092\u4e2d\u5fc3\u3068\u3059\u308b\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u3067\u306f\u4e8b\u696d\u69cb\u9020\u304c\u7570\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u306f\u4f01\u696d\u5411\u3051\u56e3\u4f53\u4fdd\u967a\u3001\u500b\u4eba\u5411\u3051\u533b\u7642\u4fdd\u967a\u3001\u751f\u547d\u4fdd\u967a\u3001\u5e74\u91d1\u306a\u3069\u3001\u3055\u307e\u3056\u307e\u306a\u5e02\u5834\u306b\u9032\u51fa\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u5b9f\u969b\u3001\u7c73\u56fd\u306e\u533b\u7642\u8cbb\u5168\u4f53\u306b\u5360\u3081\u308b\u6c11\u9593\u533b\u7642\u4fdd\u967a\u306e\u5b58\u5728\u611f\u306f\u5927\u304d\u304f\u3001CMS\u306e2024\u5e74\u30c7\u30fc\u30bf\u3067\u306f\u3001\u7c73\u56fd\u306e\u56fd\u6c11\u533b\u7642\u652f\u51fa\u306f5.3\u5146\u30c9\u30eb\u3002\u305d\u306e\u3046\u3061\u6c11\u9593\u533b\u7642\u4fdd\u967a\u306b\u3088\u308b\u652f\u51fa\u306f1.64\u5146\u30c9\u30eb\u3067\u3001\u5168\u4f53\u306e31\uff05\u3092\u5360\u3081\u307e\u3057\u305f\u3002\u4e00\u65b9\u3001Medicare\u306f1.12\u5146\u30c9\u30eb\u3001Medicaid\u306f9320\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002<\/p>\n<p>\u65e5\u672c\u3068\u306e\u9055\u3044\u3092\u6574\u7406\u3059\u308b\u3068\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u306f<strong>\u516c\u7684\u4fdd\u967a\u3068\u6c11\u9593\u4fdd\u967a\u304c\u8907\u96d1\u306b\u7d44\u307f\u5408\u308f\u3055\u3063\u3066\u3044\u308b<\/strong>\u306e\u306b\u5bfe\u3057\u3001\u65e5\u672c\u3067\u306f\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u571f\u53f0\u3068\u3057\u3066\u6c11\u9593\u4fdd\u967a\u304c\u88dc\u5b8c\u7684\u306a\u5f79\u5272\u3092\u62c5\u3046\u3001\u3068\u3044\u3046\u9055\u3044\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u65e5\u672c\u3067\u3082\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306f\u3001\u533b\u7642\u4fdd\u967a\u3001\u304c\u3093\u4fdd\u967a\u3001\u6b7b\u4ea1\u4fdd\u967a\u3001\u4ecb\u8b77\u4fdd\u967a\u306a\u3069\u3092\u8ca9\u58f2\u3057\u3066\u3044\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u75c5\u6c17\u3084\u3051\u304c\u3092\u3057\u305f\u969b\u306e\u533b\u7642\u8cbb\u305d\u306e\u3082\u306e\u306b\u3064\u3044\u3066\u306f\u3001\u307e\u305a\u516c\u7684\u533b\u7642\u4fdd\u967a\u304c\u4e2d\u5fc3\u306b\u306a\u308a\u307e\u3059\u3002\u305d\u306e\u3046\u3048\u3067\u3001\u5165\u9662\u6642\u306e\u5dee\u984d\u30d9\u30c3\u30c9\u4ee3\u3084\u5148\u9032\u533b\u7642\u3001\u53ce\u5165\u6e1b\u5c11\u3078\u306e\u5099\u3048\u306a\u3069\u3001\u516c\u7684\u4fdd\u969c\u3060\u3051\u3067\u306f\u30ab\u30d0\u30fc\u3057\u306b\u304f\u3044\u90e8\u5206\u3092\u6c11\u9593\u4fdd\u967a\u3067\u88dc\u3046\u3068\u3044\u3046\u8003\u3048\u65b9\u304c\u4e00\u822c\u7684\u3067\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3001\u30a2\u30e1\u30ea\u30ab\u3067\u306f\u6c11\u9593\u533b\u7642\u4fdd\u967a\u305d\u306e\u3082\u306e\u304c\u533b\u7642\u4fdd\u969c\u306e\u4e2d\u5fc3\u7684\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u696d\u7e3e\u3084\u52a0\u5165\u8005\u6570\u3001\u533b\u7642\u8cbb\u306e\u5897\u52a0\u3001\u653f\u5e9c\u306e\u5236\u5ea6\u5909\u66f4\u306a\u3069\u304c\u4f01\u696d\u696d\u7e3e\u306b\u5f71\u97ff\u3057\u3084\u3059\u3044\u69cb\u9020\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u533b\u7642\u4fdd\u967a\u3092\u8003\u3048\u308b\u969b\u306b\u306f\u3001<strong>\u4fdd\u967a\u6599\u3060\u3051\u3067\u306a\u304f\u81ea\u5df1\u8ca0\u62c5\u3084\u30cd\u30c3\u30c8\u30ef\u30fc\u30af\u3082\u91cd\u8981<\/strong>\u3067\u3059\u3002\u52a0\u5165\u3057\u3066\u3044\u308b\u4fdd\u967a\u306b\u3088\u3063\u3066\u3001\u5229\u7528\u3067\u304d\u308b\u533b\u7642\u6a5f\u95a2\u3001\u81ea\u5df1\u8ca0\u62c5\u984d\u3001\u4fdd\u967a\u4f1a\u793e\u306b\u3088\u308b\u4e8b\u524d\u627f\u8a8d\u306a\u3069\u306e\u6761\u4ef6\u304c\u7570\u306a\u308b\u5834\u5408\u304c\u3042\u308a\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u540c\u3058\u300c\u533b\u7642\u4fdd\u967a\u300d\u306b\u52a0\u5165\u3057\u3066\u3044\u3066\u3082\u3001\u5951\u7d04\u5185\u5bb9\u306b\u3088\u3063\u3066\u5b9f\u969b\u306e\u8ca0\u62c5\u3084\u4f7f\u3044\u52dd\u624b\u304c\u5909\u308f\u308a\u307e\u3059\u3002<\/p>\n<p>\u65e5\u672c\u3067\u306f\u3001\u539f\u5247\u3068\u3057\u3066\u5168\u56fd\u7684\u306a\u516c\u7684\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u306e\u67a0\u7d44\u307f\u306e\u4e2d\u3067\u533b\u7642\u3092\u53d7\u3051\u3089\u308c\u308b\u305f\u3081\u3001\u3053\u3046\u3057\u305f\u9055\u3044\u306f\u30a2\u30e1\u30ea\u30ab\u307b\u3069\u5927\u304d\u304f\u3042\u308a\u307e\u305b\u3093\u3002\u3082\u3063\u3068\u3082\u3001\u65e5\u672c\u3082\u533b\u7642\u8cbb\u3084\u4fdd\u967a\u6599\u8ca0\u62c5\u3001\u5236\u5ea6\u306e\u6301\u7d9a\u53ef\u80fd\u6027\u3092\u3081\u3050\u308b\u6539\u9769\u304c\u7d9a\u3044\u3066\u3044\u307e\u3059\u30022026\u5e74\u306b\u3082\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u6539\u9769\u6cd5\u304c\u6210\u7acb\u3057\u3066\u304a\u308a\u3001\u7d66\u4ed8\u3068\u8ca0\u62c5\u306e\u898b\u76f4\u3057\u304c\u9032\u3081\u3089\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u3088\u3046\u306b\u898b\u308b\u3068\u3001\u30a2\u30e1\u30ea\u30ab\u306e\u4fdd\u967a\u696d\u754c\u306f\u300c\u516c\u7684\u4fdd\u967a\u304c\u306a\u3044\u56fd\u300d\u306a\u306e\u3067\u306f\u306a\u304f\u3001<strong>\u516c\u7684\u4fdd\u967a\u304c\u5bfe\u8c61\u8005\u3092\u9650\u5b9a\u3057\u3066\u5b58\u5728\u3057\u3001\u305d\u306e\u5468\u56f2\u3092\u5de8\u5927\u306a\u6c11\u9593\u4fdd\u967a\u5e02\u5834\u304c\u53d6\u308a\u56f2\u3093\u3067\u3044\u308b\u56fd<\/strong>\u3068\u8868\u73fe\u3059\u308b\u65b9\u304c\u5b9f\u614b\u306b\u8fd1\u3044\u3067\u3057\u3087\u3046\u3002<\/p>\n<p>\u6295\u8cc7\u306e\u89b3\u70b9\u3067\u306f\u3001\u3053\u306e\u5236\u5ea6\u306e\u9055\u3044\u304c\u7c73\u56fd\u4fdd\u967a\u682a\u306e\u4e8b\u696d\u30e2\u30c7\u30eb\u3092\u7406\u89e3\u3059\u308b\u30dd\u30a4\u30f3\u30c8\u306b\u306a\u308a\u307e\u3059\u3002\u30b0\u30ed\u30fc\u30d6\u30fb\u30e9\u30a4\u30d5\u306e\u3088\u3046\u306a\u751f\u547d\u30fb\u533b\u7642\u4fdd\u967a\u4f1a\u793e\u3092\u898b\u308b\u969b\u306b\u306f\u3001\u5358\u7d14\u306b\u300c\u4fdd\u967a\u4f1a\u793e\u300d\u3068\u3044\u3046\u62ec\u308a\u3067\u898b\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u751f\u547d\u4fdd\u967a\u3001\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3001\u4f01\u696d\u5411\u3051\u533b\u7642\u4fdd\u967a\u3001Medicare\u95a2\u9023\u4e8b\u696d\u306a\u3069\u3001<strong>\u3069\u306e\u5e02\u5834\u304b\u3089\u4fdd\u967a\u6599\u53ce\u5165\u3092\u5f97\u3066\u3044\u308b\u306e\u304b<\/strong>\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u30a2\u30e1\u30ea\u30ab\u3068\u65e5\u672c\u3067\u306f\u540c\u3058\u300c\u4fdd\u967a\u300d\u3068\u3044\u3046\u8a00\u8449\u3067\u3082\u3001\u305d\u306e\u5e02\u5834\u69cb\u9020\u306f\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002<\/p>\n<div class=\"xcd-attention-1 xcd-col2 xcd-ripple\">\n<div class=\"xcd-title\">\u8cc7\u7523\u904b\u7528\u306b\u8208\u5473\u304c\u3042\u308b\u65b9\u3078<\/div>\n<div class=\"xcd-content\"><span>\u79c1\u305f\u3061GFS\u3067\u306f\u3001\u5b66\u6821\u3067\u306f\u6559\u3048\u3066\u3082\u3089\u3048\u306a\u304b\u3063\u305f\u304a\u91d1\u306e\u3053\u3068\u304c\u308f\u304b\u308b\u7121\u6599\u30b3\u30f3\u30c6\u30f3\u30c4\u3092\u3054\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u3002<\/span><br \/>\n<span style=\"color: #0066c0;\"><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16909&amp;utm_content=16909\" style=\"color: #0066c0;\">\u226b \u521d\u5fc3\u8005\u5411\u3051\u7121\u6599\u8b1b\u5ea7\uff1a\u304a\u91d1\u306e\u30d7\u30ed\u304c\u6559\u3048\u308b\u300c\u6bce\u6708\u53ce\u5165\u3092\u5f97\u308b\u6295\u8cc7\u306e\u59cb\u3081\u65b9\u300d<\/a><\/span><\/div>\n<\/div>\n<h2>Globe Life\u3068\u306f\uff1f\u7c73\u56fd\u306e\u300c\u4fdd\u969c\u578b\u4fdd\u967a\u300d\u306b\u5f37\u307f\u3092\u6301\u3064\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u306e\u7279\u5fb4\u3068\u6210\u9577\u529b<\/h2>\n<p>\u7c73\u56fd\u306e\u4fdd\u967a\u682a\u3092\u8abf\u3079\u3066\u3044\u308b\u3068\u3001Aflac\u3084MetLife\u3001Prudential Financial\u306a\u3069\u306e\u5927\u624b\u4f01\u696d\u3068\u4e26\u3093\u3067\u540d\u524d\u304c\u6319\u304c\u308b\u306e\u304cGlobe Life\uff08\u30b0\u30ed\u30fc\u30d6\u30fb\u30e9\u30a4\u30d5\uff09\u3067\u3059\u3002NYSE\u306b\u4e0a\u5834\u3059\u308bGlobe Life Inc.\uff08\u30c6\u30a3\u30c3\u30ab\u30fc\uff1aGL\uff09\u306f\u30011900\u5e74\u3092\u30eb\u30fc\u30c4\u3068\u3059\u308b\u7c73\u56fd\u306e\u4fdd\u967a\u4f1a\u793e\u3067\u3001\u751f\u547d\u4fdd\u967a\u3068\u533b\u7642\u4fdd\u967a\u3092\u4e2d\u5fc3\u306b\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002\u4f1a\u793e\u306b\u3088\u308c\u3070\u3001Globe Life\u306f1900\u5e74\u306b\u59cb\u307e\u3063\u305f\u6b74\u53f2\u3092\u6301\u3061\u3001\u73fe\u5728\u306f\u8907\u6570\u306e\u5b50\u4f1a\u793e\u30fb\u30d6\u30e9\u30f3\u30c9\u3092\u901a\u3058\u3066\u4fdd\u967a\u5546\u54c1\u3092\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Globe Life\u306e\u7279\u5fb4\u3092\u7406\u89e3\u3059\u308b\u3046\u3048\u3067\u91cd\u8981\u306a\u306e\u304c\u3001\u5de8\u5927\u306a\u7dcf\u5408\u4fdd\u967a\u30b0\u30eb\u30fc\u30d7\u3068\u306f\u7570\u306a\u308a\u3001**\u300c\u57fa\u672c\u7684\u306a\u4fdd\u969c\u3092\u63d0\u4f9b\u3059\u308b\u751f\u547d\u4fdd\u967a\u300d\u3068\u300c\u88dc\u5b8c\u7684\u306a\u533b\u7642\u4fdd\u967a\u300d**\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u3066\u3044\u308b\u3053\u3068\u3067\u3059\u30022025\u5e74\u306e\u5e74\u9593\u4fdd\u967a\u6599\u53ce\u5165\u306f\u7d0448.9\u5104\u30c9\u30eb\u3067\u3001\u3053\u306e\u3046\u3061\u751f\u547d\u4fdd\u967a\u304c\u7d0433.6\u5104\u30c9\u30eb\u3001\u5065\u5eb7\u4fdd\u967a\u304c\u7d0415.3\u5104\u30c9\u30eb\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u751f\u547d\u4fdd\u967a\u304c\u4e2d\u5fc3\u3067\u3042\u308a\u306a\u304c\u3089\u3001\u5065\u5eb7\u4fdd\u967a\u3082\u4e00\u5b9a\u306e\u898f\u6a21\u3092\u6301\u3064\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>\u751f\u547d\u4fdd\u967a\u4e8b\u696d\u3067\u306f\u3001American Income\u3001Liberty National\u3001Direct to Consumer\u306a\u3069\u8907\u6570\u306e\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u30022025\u5e74\u306e\u751f\u547d\u4fdd\u967a\u90e8\u9580\u3067\u306f\u3001\u4fdd\u967a\u6599\u53ce\u5165\u306e\u5897\u52a0\u306a\u3069\u3092\u80cc\u666f\u306b\u5f15\u53d7\u5229\u76ca\u304c\u62e1\u5927\u3057\u307e\u3057\u305f\u3002\u5e74\u9593\u306e\u751f\u547d\u4fdd\u967a\u5f15\u53d7\u30de\u30fc\u30b8\u30f3\u306f\u7d0415.1\u5104\u30c9\u30eb\u3067\u3001\u524d\u5e74\u306e\u7d0413.5\u5104\u30c9\u30eb\u304b\u308912\uff05\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002\u5065\u5eb7\u4fdd\u967a\u306e\u5f15\u53d7\u30de\u30fc\u30b8\u30f3\u3082\u7d043.9\u5104\u30c9\u30eb\u3068\u306a\u308a\u3001\u524d\u5e74\u304b\u30895\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>Globe Life\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u3092\u8003\u3048\u308b\u3046\u3048\u3067\u8208\u5473\u6df1\u3044\u306e\u304c\u3001<strong>\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u306e\u591a\u69d8\u6027<\/strong>\u3067\u3059\u3002\u4e00\u822c\u7684\u306a\u5927\u624b\u91d1\u878d\u30b0\u30eb\u30fc\u30d7\u3067\u306f\u3001\u4ee3\u7406\u5e97\u3001\u9280\u884c\u3001\u4f01\u696d\u5411\u3051\u8ca9\u58f2\u3001\u30aa\u30f3\u30e9\u30a4\u30f3\u306a\u3069\u5e45\u5e83\u3044\u8ca9\u8def\u3092\u6301\u3064\u30b1\u30fc\u30b9\u304c\u3042\u308a\u307e\u3059\u304c\u3001Globe Life\u3067\u306f\u81ea\u793e\u30d6\u30e9\u30f3\u30c9\u30fb\u90e8\u9580\u3092\u901a\u3058\u3066\u7279\u5b9a\u306e\u9867\u5ba2\u5c64\u306b\u751f\u547d\u4fdd\u967a\u3084\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3092\u8ca9\u58f2\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4f8b\u3048\u3070American Income Life\u306f\u751f\u547d\u4fdd\u967a\u3092\u4e2d\u5fc3\u3068\u3057\u305f\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u306e\u4e00\u3064\u3067\u3001Liberty National\u3082\u751f\u547d\u4fdd\u967a\u3092\u6271\u3063\u3066\u3044\u307e\u3059\u3002\u307e\u305f\u3001Direct to Consumer\u3067\u306f\u6d88\u8cbb\u8005\u3078\u76f4\u63a5\u8ca9\u58f2\u3059\u308b\u4ed5\u7d44\u307f\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u30022025\u5e74\u7b2c4\u56db\u534a\u671f\u306b\u306f\u3001Direct to Consumer\u306e\u751f\u547d\u4fdd\u967a\u65b0\u5951\u7d04\u304c\u524d\u5e74\u540c\u671f\u6bd424\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u5065\u5eb7\u4fdd\u967a\u306b\u3064\u3044\u3066\u3082\u6ce8\u76ee\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002Globe Life\u306fMedicare Supplement\uff08\u30e1\u30c7\u30a3\u30b1\u30a2\u30fb\u30b5\u30d7\u30ea\u30e1\u30f3\u30c8\uff09\u306a\u3069\u3092\u6271\u3063\u3066\u304a\u308a\u3001\u9ad8\u9f62\u8005\u5411\u3051\u533b\u7642\u4fdd\u969c\u306e\u88dc\u5b8c\u5e02\u5834\u306b\u53c2\u5165\u3057\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f65\u6b73\u4ee5\u4e0a\u306a\u3069\u3092\u5bfe\u8c61\u3068\u3059\u308bMedicare\u304c\u5b58\u5728\u3057\u307e\u3059\u304c\u3001\u516c\u7684\u5236\u5ea6\u3060\u3051\u3067\u3059\u3079\u3066\u306e\u533b\u7642\u8cbb\u3092\u30ab\u30d0\u30fc\u3059\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u306e\u305f\u3081\u3001\u6c11\u9593\u4fdd\u967a\u4f1a\u793e\u304c\u63d0\u4f9b\u3059\u308b\u88dc\u5b8c\u7684\u306a\u4fdd\u967a\u5546\u54c1\u306b\u306f\u4e00\u5b9a\u306e\u5e02\u5834\u304c\u3042\u308a\u307e\u3059\u3002Globe Life\u3067\u306f\u3001United American\u3084Family Heritage\u306a\u3069\u304c\u5065\u5eb7\u4fdd\u967a\u5206\u91ce\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u696d\u7e3e\u3092\u898b\u308b\u3068\u3001Globe Life\u306f2025\u5e74\u306b\u5897\u53ce\u5897\u76ca\u3092\u78ba\u4fdd\u3057\u307e\u3057\u305f\u30022025\u5e74\u306e\u7dcf\u4fdd\u967a\u6599\u53ce\u5165\u306f\u7d0448.9\u5104\u30c9\u30eb\u3068\u30012024\u5e74\u306e\u7d0446.7\u5104\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3002\u7d14\u5229\u76ca\u306f\u7d0411.6\u5104\u30c9\u30eb\u3001\u524d\u5e74\u306e\u7d0410.7\u5104\u30c9\u30eb\u304b\u30898\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u4f1a\u793e\u304c\u696d\u7e3e\u7ba1\u7406\u4e0a\u91cd\u8996\u3059\u308b\u7d14\u55b6\u696d\u5229\u76ca\u3082\u7d0412.0\u5104\u30c9\u30eb\u3068\u306a\u308a\u3001\u524d\u5e74\u304b\u30898\uff05\u5897\u52a0\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u4f1a\u793e\u3092\u898b\u308b\u969b\u306b\u306f\u3001\u4e00\u822c\u4f01\u696d\u3068\u306f\u5c11\u3057\u9055\u3063\u305f\u6307\u6a19\u306b\u3082\u6ce8\u76ee\u3059\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u4f8b\u3048\u3070Globe Life\u304c\u958b\u793a\u3057\u3066\u3044\u308b\u300cinsurance underwriting margin\uff08\u4fdd\u967a\u5f15\u53d7\u30de\u30fc\u30b8\u30f3\uff09\u300d\u306f\u3001\u4fdd\u967a\u6599\u304b\u3089\u4fdd\u967a\u91d1\u306a\u3069\u306e\u5951\u7d04\u4e0a\u306e\u8cbb\u7528\u3001\u624b\u6570\u6599\u3001\u53d6\u5f97\u95a2\u9023\u8cbb\u7528\u306a\u3069\u3092\u5dee\u3057\u5f15\u3044\u305f\u3001\u4fdd\u967a\u4e8b\u696d\u305d\u306e\u3082\u306e\u306e\u53ce\u76ca\u6027\u3092\u898b\u308b\u305f\u3081\u306e\u6307\u6a19\u3067\u3059\u30022025\u5e74\u306e\u751f\u547d\u4fdd\u967a\u5f15\u53d7\u30de\u30fc\u30b8\u30f3\u306f\u7d0415.1\u5104\u30c9\u30eb\u3001\u5065\u5eb7\u4fdd\u967a\u306f\u7d043.9\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002<\/p>\n<p>\u3055\u3089\u306b\u3001\u4fdd\u967a\u4f1a\u793e\u306e\u5834\u5408\u3001\u9867\u5ba2\u304b\u3089\u53d7\u3051\u53d6\u3063\u305f\u4fdd\u967a\u6599\u3092\u904b\u7528\u3059\u308b\u300c\u904b\u7528\u53ce\u76ca\u300d\u3082\u91cd\u8981\u3067\u3059\u3002Globe Life\u306e2025\u5e74\u306e\u7d14\u6295\u8cc7\u53ce\u76ca\u306f\u7d0411.3\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002\u4e00\u65b9\u3001\u8d85\u904e\u6295\u8cc7\u53ce\u76ca\u306f\u7d041.38\u5104\u30c9\u30eb\u3067\u3001\u524d\u5e74\u306e\u7d041.64\u5104\u30c9\u30eb\u304b\u3089\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u3067\u306f\u96c6\u3081\u305f\u4fdd\u967a\u6599\u3092\u9577\u671f\u9593\u306b\u308f\u305f\u3063\u3066\u904b\u7528\u3059\u308b\u305f\u3081\u3001\u91d1\u5229\u3084\u50b5\u5238\u5e02\u5834\u306a\u3069\u306e\u91d1\u878d\u74b0\u5883\u3082\u53ce\u76ca\u306b\u5f71\u97ff\u3057\u307e\u3059\u3002<\/p>\n<p>\u682a\u4e3b\u9084\u5143\u3082Globe Life\u3092\u898b\u308b\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u30022025\u5e74\u306b\u306f\u7d04540\u4e07\u682a\u3092\u7dcf\u984d\u7d046.85\u5104\u30c9\u30eb\u3067\u8cb7\u3044\u623b\u3057\u3066\u304a\u308a\u3001\u5e73\u5747\u8cb7\u3044\u623b\u3057\u4fa1\u683c\u306f1\u682a\u5f53\u305f\u308a126.41\u30c9\u30eb\u3067\u3057\u305f\u30022025\u5e74\u7b2c4\u56db\u534a\u671f\u3060\u3051\u3067\u3082\u7d04130\u4e07\u682a\u30921\u51047000\u4e07\u30c9\u30eb\u3067\u53d6\u5f97\u3057\u3066\u3044\u307e\u3059\u3002\u4fdd\u967a\u4e8b\u696d\u304b\u3089\u751f\u307f\u51fa\u3055\u308c\u308b\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u81ea\u793e\u682a\u8cb7\u3044\u306a\u3069\u306e\u682a\u4e3b\u9084\u5143\u306b\u3064\u306a\u3052\u308b\u59ff\u52e2\u304c\u898b\u3089\u308c\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3067\u3001Globe Life\u3092\u300c\u4fdd\u967a\u4f1a\u793e\u3060\u304b\u3089\u5b89\u5b9a\u3057\u3066\u3044\u308b\u300d\u3068\u3060\u3051\u8003\u3048\u308b\u306e\u306f\u6ce8\u610f\u304c\u5fc5\u8981\u3067\u3059\u3002\u4fdd\u967a\u4f1a\u793e\u306b\u306f\u3001\u6b7b\u4ea1\u7387\u3084\u75be\u75c5\u7387\u306a\u3069\u306e\u4fdd\u967a\u30ea\u30b9\u30af\u3001\u5951\u7d04\u8005\u6570\u306e\u5909\u5316\u3001\u4fdd\u967a\u91d1\u652f\u6255\u3044\u3001\u91d1\u5229\u3084\u6295\u8cc7\u74b0\u5883\u3001\u898f\u5236\u5909\u66f4\u306a\u3069\u3001\u3055\u307e\u3056\u307e\u306a\u30ea\u30b9\u30af\u304c\u3042\u308a\u307e\u3059\u3002\u7279\u306b\u751f\u547d\u4fdd\u967a\u3067\u306f\u9577\u671f\u9593\u306b\u308f\u305f\u3063\u3066\u5951\u7d04\u304c\u7d99\u7d9a\u3059\u308b\u305f\u3081\u3001\u5c06\u6765\u306e\u4fdd\u967a\u91d1\u652f\u6255\u3044\u3092\u898b\u636e\u3048\u305f\u8cc7\u7523\u904b\u7528\u3068\u4fdd\u967a\u5f15\u53d7\u306e\u7ba1\u7406\u304c\u91cd\u8981\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001Globe Life\u306f2026\u5e74\u306e\u696d\u7e3e\u898b\u901a\u3057\u3068\u3057\u3066\u3001\u5e0c\u8584\u5316\u5f8c1\u682a\u5f53\u305f\u308a\u7d14\u55b6\u696d\u5229\u76ca\u309214.95\uff5e15.65\u30c9\u30eb\u3068\u4e88\u60f3\u3057\u3066\u3044\u307e\u3059\u3002\u3053\u308c\u306f2025\u5e74\u306e\u5b9f\u7e3e\u3092\u8e0f\u307e\u3048\u305f\u4f1a\u793e\u5074\u306e\u898b\u901a\u3057\u3067\u3042\u308a\u3001\u5b9f\u969b\u306e\u696d\u7e3e\u306f\u4eca\u5f8c\u306e\u8ca9\u58f2\u52d5\u5411\u3084\u4fdd\u967a\u91d1\u652f\u6255\u3044\u3001\u904b\u7528\u74b0\u5883\u306a\u3069\u306b\u3088\u3063\u3066\u5909\u52d5\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u7c73\u56fd\u306e\u4fdd\u967a\u696d\u754c\u3092\u8003\u3048\u308b\u5834\u5408\u3001Globe Life\u306f\u975e\u5e38\u306b\u8208\u5473\u6df1\u3044\u4f4d\u7f6e\u306b\u3042\u308a\u307e\u3059\u3002MetLife\u3084Prudential Financial\u306e\u3088\u3046\u306a\u5de8\u5927\u7dcf\u5408\u4fdd\u967a\u30b0\u30eb\u30fc\u30d7\u3068\u6bd4\u8f03\u3059\u308b\u3068\u4e8b\u696d\u9818\u57df\u306f\u7d5e\u3089\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u305d\u306e\u5206\u3001\u751f\u547d\u4fdd\u967a\u3084\u88dc\u5b8c\u7684\u5065\u5eb7\u4fdd\u967a\u3068\u3044\u3046\u300c\u4fdd\u969c\u300d\u306b\u91cd\u70b9\u3092\u7f6e\u3044\u305f\u4e8b\u696d\u69cb\u9020\u3092\u628a\u63e1\u3057\u3084\u3059\u3044\u4f01\u696d\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306e\u6295\u8cc7\u5bb6\u304cGlobe Life\u3092\u898b\u308b\u5834\u5408\u306b\u306f\u3001\u5358\u7d14\u306a\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u3068\u3057\u3066\u3067\u306f\u306a\u304f\u3001<strong>\u7c73\u56fd\u306e\u6c11\u9593\u4fdd\u967a\u5e02\u5834\u3092\u652f\u3048\u308b\u4f01\u696d\u306e\u4e00\u3064<\/strong>\u3068\u3057\u3066\u6349\u3048\u308b\u3068\u7406\u89e3\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f\u516c\u7684\u533b\u7642\u5236\u5ea6\u3068\u6c11\u9593\u4fdd\u967a\u304c\u8907\u96d1\u306b\u7d44\u307f\u5408\u308f\u3055\u3063\u3066\u304a\u308a\u3001Medicare Supplement\u306a\u3069\u6c11\u9593\u4fdd\u967a\u304c\u62c5\u3046\u9818\u57df\u3082\u5b58\u5728\u3057\u307e\u3059\u3002\u305d\u3046\u3057\u305f\u5e02\u5834\u69cb\u9020\u3092\u80cc\u666f\u306b\u3001Globe Life\u306f\u751f\u547d\u4fdd\u967a\u3068\u88dc\u5b8c\u7684\u5065\u5eb7\u4fdd\u967a\u3092\u7d44\u307f\u5408\u308f\u305b\u306a\u304c\u3089\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u682a\u3092\u6bd4\u8f03\u3059\u308b\u969b\u306b\u306f\u3001\u58f2\u4e0a\u9ad8\u3084\u5229\u76ca\u3060\u3051\u3067\u306a\u304f\u3001\u4fdd\u967a\u6599\u306e\u4f38\u3073\u3001\u5f15\u53d7\u30de\u30fc\u30b8\u30f3\u3001\u6295\u8cc7\u53ce\u76ca\u3001\u5951\u7d04\u8005\u6570\u3001\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u3001\u8cc7\u672c\u653f\u7b56\u306a\u3069\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002Globe Life\u306f\u3001\u3053\u3046\u3057\u305f\u6307\u6a19\u3092\u901a\u3058\u3066\u7c73\u56fd\u306e\u751f\u547d\u30fb\u5065\u5eb7\u4fdd\u967a\u5e02\u5834\u306e\u7279\u5fb4\u3092\u8aad\u307f\u89e3\u304f\u3053\u3068\u304c\u3067\u304d\u308b\u4f01\u696d\u3067\u3042\u308a\u3001Aflac\u3084Unum Group\u3001CNO Financial Group\u306a\u3069\u306e\u7c73\u56fd\u4fdd\u967a\u682a\u3068\u6bd4\u8f03\u3059\u308b\u3053\u3068\u3067\u3001\u305d\u308c\u305e\u308c\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306e\u9055\u3044\u3082\u898b\u3048\u3066\u304d\u307e\u3059\u3002<\/p>\n<div class=\"xcd-attention-1 xcd-col2 xcd-ripple\">\n<div class=\"xcd-title\"><strong>\u8cc7\u7523\u904b\u7528\u3067\u5931\u6557\u3057\u305f\u304f\u306a\u3044\u65b9\u3078<\/strong><\/div>\n<div class=\"xcd-content\"><strong>\u79c1\u305f\u3061GFS\u3067\u306f\u3001\u5b66\u6821\u3067\u306f\u6559\u3048\u3066\u3082\u3089\u3048\u306a\u304b\u3063\u305f\u304a\u91d1\u306e\u3053\u3068\u304c\u308f\u304b\u308b\u7121\u6599\u30b3\u30f3\u30c6\u30f3\u30c4\u3092\u3054\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u3002<\/strong><br \/>\n<strong><span style=\"color: #0066c0;\"><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=om&amp;utm_medium=om&amp;utm_content=14519\" style=\"color: #0066c0;\">\u226b \u7121\u6599\u8b1b\u5ea7\uff1a\u304a\u91d1\u306e\u30d7\u30ed\u304c\u6559\u3048\u308b\u300c\u521d\u5fc3\u8005\u304c\u6bce\u6708\u53ce\u5165\u3092\u5f97\u308b\u6295\u8cc7\u306e\u59cb\u3081\u65b9\u300d<\/a><\/span><\/strong><\/div>\n<\/div>\n<h2>Aflac\u3068\u306f\uff1f\u65e5\u672c\u3067\u3082\u8eab\u8fd1\u306a\u300c\u30a2\u30d5\u30e9\u30c3\u30af\u300d\u3092\u652f\u3048\u308b\u7c73\u56fd\u4e0a\u5834\u4fdd\u967a\u4f1a\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb<\/h2>\n<p>\u300c\u30a2\u30d5\u30e9\u30c3\u30af\u300d\u3068\u3044\u3046\u540d\u524d\u306f\u3001\u65e5\u672c\u3067\u306f\u304c\u3093\u4fdd\u967a\u3084\u533b\u7642\u4fdd\u967a\u306e\u30d6\u30e9\u30f3\u30c9\u3068\u3057\u3066\u5e83\u304f\u77e5\u3089\u308c\u3066\u3044\u307e\u3059\u3002\u4e00\u65b9\u3001\u7c73\u56fd\u682a\u6295\u8cc7\u306e\u4e16\u754c\u3067\u306f\u3001Aflac Incorporated\uff08NYSE\uff1aAFL\uff09\u306f\u3001\u751f\u547d\u4fdd\u967a\u30fb\u533b\u7642\u4fdd\u967a\u3092\u624b\u639b\u3051\u308b\u7c73\u56fd\u306e\u5927\u624b\u4fdd\u967a\u4f1a\u793e\u3068\u3057\u3066\u4f4d\u7f6e\u4ed8\u3051\u3089\u308c\u307e\u3059\u3002\u7279\u5fb4\u7684\u306a\u306e\u306f\u3001\u7c73\u56fd\u4f01\u696d\u3067\u3042\u308a\u306a\u304c\u3089\u65e5\u672c\u4e8b\u696d\u306e\u5b58\u5728\u611f\u304c\u975e\u5e38\u306b\u5927\u304d\u3044\u3053\u3068\u3067\u3059\u3002Aflac\u306f\u73fe\u5728\u3001\u65e5\u672c\u3068\u7c73\u56fd\u3092\u4e3b\u8981\u5e02\u5834\u3068\u3057\u3066\u3001\u751f\u547d\u4fdd\u967a\u3068\u300c\u88dc\u5b8c\u7684\u4fdd\u967a\uff08Supplemental Insurance\uff09\u300d\u3092\u4e2d\u5fc3\u306b\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Aflac\u306e\u6b74\u53f2\u3092\u8a9e\u308b\u3046\u3048\u3067\u6b20\u304b\u305b\u306a\u3044\u306e\u304c\u3001\u65e5\u672c\u5e02\u5834\u3078\u306e\u9032\u51fa\u3067\u3059\u3002\u73fe\u5728\u306eAflac Incorporated\u306f1973\u5e74\u306b\u7c73\u30b8\u30e7\u30fc\u30b8\u30a2\u5dde\u3067\u8a2d\u7acb\u3055\u308c\u305f\u4f1a\u793e\u3067\u3059\u304c\u3001\u4fdd\u967a\u4e8b\u696d\u305d\u306e\u3082\u306e\u306f1950\u5e74\u4ee3\u304b\u3089\u7d9a\u3044\u3066\u3044\u307e\u3059\u3002\u65e5\u672c\u3067\u306f1970\u5e74\u4ee3\u306b\u55b6\u696d\u3092\u958b\u59cb\u3057\u3001\u7279\u306b\u304c\u3093\u4fdd\u967a\u3092\u4e2d\u5fc3\u3068\u3057\u3066\u5951\u7d04\u8005\u3092\u5897\u3084\u3057\u3066\u304d\u307e\u3057\u305f\u3002\u73fe\u5728\u3067\u306fAflac Japan\u304c\u65e5\u672c\u56fd\u5185\u3067\u5927\u898f\u6a21\u306a\u4fdd\u967a\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u304a\u308a\u30012025\u5e74\u672b\u6642\u70b9\u3067\u500b\u4eba\u4fdd\u967a\u306e\u4fdd\u6709\u5951\u7d04\u4ef6\u6570\u306f2200\u4e07\u4ef6\u3092\u8d85\u3048\u3001\u305d\u306e\u3046\u3061\u304c\u3093\u4fdd\u967a\u306f\u7d041400\u4e07\u4ef6\u306b\u9054\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Aflac\u306e\u6700\u5927\u306e\u7279\u5fb4\u306f\u3001\u4e00\u822c\u7684\u306a\u6b7b\u4ea1\u4fdd\u969c\u578b\u306e\u751f\u547d\u4fdd\u967a\u3060\u3051\u3092\u4e3b\u529b\u3068\u3057\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u3044\u3053\u3068\u3067\u3059\u3002\u540c\u793e\u304c\u4e2d\u5fc3\u306b\u636e\u3048\u3066\u3044\u308b\u306e\u306f\u3001\u75c5\u6c17\u3084\u3051\u304c\u306a\u3069\u306b\u5099\u3048\u308b\u300c\u88dc\u5b8c\u7684\u306a\u4fdd\u967a\u300d\u3067\u3059\u3002\u4f8b\u3048\u3070\u3001\u304c\u3093\u3084\u75be\u75c5\u3001\u5165\u9662\u306a\u3069\u306b\u3088\u3063\u3066\u516c\u7684\u533b\u7642\u4fdd\u967a\u3060\u3051\u3067\u306f\u30ab\u30d0\u30fc\u3057\u304d\u308c\u306a\u3044\u7d4c\u6e08\u7684\u8ca0\u62c5\u304c\u767a\u751f\u3057\u305f\u5834\u5408\u306b\u3001\u5951\u7d04\u5185\u5bb9\u306b\u5fdc\u3058\u3066\u73fe\u91d1\u7d66\u4ed8\u3092\u53d7\u3051\u53d6\u308c\u308b\u30bf\u30a4\u30d7\u306e\u5546\u54c1\u304c\u3042\u308a\u307e\u3059\u3002Aflac\u81ea\u8eab\u3082\u3001\u65e5\u672c\u3068\u7c73\u56fd\u3067\u88dc\u5b8c\u7684\u306a\u5065\u5eb7\u4fdd\u967a\u30fb\u751f\u547d\u4fdd\u967a\u3092\u4e3b\u8981\u4e8b\u696d\u3068\u3057\u3066\u3044\u308b\u3068\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306f\u3001\u65e5\u672c\u306e\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u3068\u306e\u95a2\u4fc2\u3092\u8003\u3048\u308b\u3068\u5206\u304b\u308a\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002\u65e5\u672c\u306b\u306f\u516c\u7684\u533b\u7642\u4fdd\u967a\u5236\u5ea6\u304c\u3042\u308a\u3001\u75c5\u9662\u3067\u8a3a\u5bdf\u3084\u6cbb\u7642\u3092\u53d7\u3051\u305f\u5834\u5408\u3001\u4e00\u5b9a\u306e\u81ea\u5df1\u8ca0\u62c5\u3067\u533b\u7642\u30b5\u30fc\u30d3\u30b9\u3092\u53d7\u3051\u3089\u308c\u307e\u3059\u3002\u3057\u304b\u3057\u3001\u5dee\u984d\u30d9\u30c3\u30c9\u4ee3\u3084\u4e00\u90e8\u306e\u5148\u9032\u7684\u306a\u6cbb\u7642\u3001\u53ce\u5165\u6e1b\u5c11\u306a\u3069\u3001\u516c\u7684\u533b\u7642\u4fdd\u967a\u3060\u3051\u3067\u306f\u5fc5\u305a\u3057\u3082\u3059\u3079\u3066\u306e\u7d4c\u6e08\u7684\u30ea\u30b9\u30af\u3092\u30ab\u30d0\u30fc\u3067\u304d\u308b\u308f\u3051\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u305d\u3053\u3067\u6c11\u9593\u4fdd\u967a\u304c\u300c\u516c\u7684\u4fdd\u969c\u3092\u88dc\u3046\u5f79\u5272\u300d\u3092\u62c5\u3044\u307e\u3059\u3002Aflac\u306f\u3001\u305d\u306e\u88dc\u5b8c\u5e02\u5834\u3067\u9577\u5e74\u306b\u308f\u305f\u3063\u3066\u4e8b\u696d\u57fa\u76e4\u3092\u7bc9\u3044\u3066\u304d\u305f\u4f01\u696d\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3001\u7c73\u56fd\u3067\u306f\u6c11\u9593\u533b\u7642\u4fdd\u967a\u305d\u306e\u3082\u306e\u304c\u533b\u7642\u4fdd\u969c\u306e\u91cd\u8981\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002Aflac\u306f\u7c73\u56fd\u3067\u3082\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3092\u8ca9\u58f2\u3057\u3066\u304a\u308a\u3001\u4f01\u696d\u306e\u798f\u5229\u539a\u751f\u3092\u901a\u3058\u305f\u4fdd\u967a\u306a\u3069\u3082\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002\u73fe\u5728\u306eAflac U.S.\u306b\u306f\u3001\u500b\u4eba\u5411\u3051\u3060\u3051\u3067\u306a\u304f\u56e3\u4f53\u5411\u3051\u306e\u4fdd\u967a\u3084\u3001\u6b6f\u79d1\u30fb\u8996\u529b\u95a2\u9023\u306e\u30b5\u30fc\u30d3\u30b9\u306a\u3069\u3082\u542b\u307e\u308c\u3066\u3044\u307e\u3059\u3002\u3064\u307e\u308a\u3001\u65e5\u672c\u3067\u306f\u300c\u516c\u7684\u533b\u7642\u4fdd\u967a\u3092\u88dc\u5b8c\u3059\u308b\u6c11\u9593\u4fdd\u967a\u300d\u3001\u7c73\u56fd\u3067\u306f\u300c\u6c11\u9593\u533b\u7642\u4fdd\u967a\u3092\u3055\u3089\u306b\u88dc\u5b8c\u3059\u308b\u4fdd\u967a\u300d\u3068\u3044\u3046\u7570\u306a\u308b\u5e02\u5834\u74b0\u5883\u306e\u4e2d\u3067\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u308b\u70b9\u304c\u8208\u5473\u6df1\u3044\u3068\u3053\u308d\u3067\u3059\u3002<\/p>\n<p>2025\u5e74\u306e\u696d\u7e3e\u3092\u898b\u308b\u3068\u3001Aflac\u306f\u65e5\u672c\u3068\u7c73\u56fd\u306e\u4e21\u5e02\u5834\u3092\u67f1\u3068\u3057\u3066\u53ce\u76ca\u3092\u4e0a\u3052\u3066\u3044\u307e\u3059\u3002Aflac Japan\u306e2025\u5e74\u306e\u6b63\u5473\u53ce\u5165\u4fdd\u967a\u6599\u306f\u7d041\u514690\u5104\u5186\u3002\u4e00\u65b9\u3001Aflac U.S.\u3067\u306f\u6b63\u5473\u53ce\u5165\u4fdd\u967a\u6599\u304c\u7d0460\u5104\u30c9\u30eb\u3068\u306a\u308a\u307e\u3057\u305f\u3002Aflac Japan\u3067\u306f\u65e2\u5b58\u5951\u7d04\u306e\u898f\u6a21\u304c\u975e\u5e38\u306b\u5927\u304d\u304f\u30012025\u5e74\u672b\u6642\u70b9\u306e\u5e74\u63db\u7b97\u4fdd\u967a\u6599\u306f\u7d041.18\u5146\u5186\u3067\u3057\u305f\u3002<\/p>\n<p>\u7279\u306b\u6ce8\u76ee\u3055\u308c\u308b\u306e\u304c\u3001\u65b0\u5546\u54c1\u306e\u8ca9\u58f2\u3067\u3059\u3002Aflac 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Global Investments\u306e\u904b\u7528\u8cc7\u7523\u306e\u5e33\u7c3f\u4fa1\u984d\u306f\u7d04958\u5104\u30c9\u30eb\u306b\u9054\u3057\u307e\u3057\u305f\u3002\u30dd\u30fc\u30c8\u30d5\u30a9\u30ea\u30aa\u306b\u306f\u516c\u793e\u50b5\u306a\u3069\u8907\u6570\u306e\u8cc7\u7523\u304c\u542b\u307e\u308c\u3066\u304a\u308a\u3001\u4fdd\u967a\u4f1a\u793e\u3068\u3057\u3066\u96c6\u3081\u305f\u8cc7\u91d1\u3092\u9577\u671f\u7684\u306b\u904b\u7528\u3059\u308b\u3053\u3068\u3067\u6295\u8cc7\u53ce\u76ca\u3092\u5f97\u308b\u69cb\u9020\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3055\u3089\u306bAflac\u306f\u3001\u682a\u4e3b\u9084\u5143\u306b\u3082\u7a4d\u6975\u7684\u3067\u3059\u30022025\u5e74\u306b\u306f35\u5104\u30c9\u30eb\u306e\u81ea\u793e\u682a\u8cb7\u3044\u3092\u5b9f\u65bd\u3057\u305f\u307b\u304b\u3001\u666e\u901a\u682a\u5f0f\u306e\u914d\u5f53\u309243\u5e74\u9023\u7d9a\u3067\u5897\u3084\u3057\u305f\u5b9f\u7e3e\u304c\u3042\u308a\u307e\u3059\u30022025\u5e74\u672b\u306b\u306f\u30012026\u5e74\u7b2c1\u56db\u534a\u671f\u306e1\u682a\u5f53\u305f\u308a\u914d\u5f53\u30920.61\u30c9\u30eb\u3068\u3059\u308b\u3053\u3068\u3082\u767a\u8868\u3057\u307e\u3057\u305f\u3002\u4fdd\u967a\u4e8b\u696d\u304b\u3089\u751f\u307f\u51fa\u3055\u308c\u308b\u30ad\u30e3\u30c3\u30b7\u30e5\u30d5\u30ed\u30fc\u3092\u3001\u914d\u5f53\u3084\u81ea\u793e\u682a\u8cb7\u3044\u3092\u901a\u3058\u3066\u682a\u4e3b\u306b\u9084\u5143\u3059\u308b\u59ff\u52e2\u304c\u7279\u5fb4\u306e\u4e00\u3064\u3067\u3059\u3002<\/p>\n<p>\u3082\u3063\u3068\u3082\u3001Aflac\u306b\u306f\u56fa\u6709\u306e\u30ea\u30b9\u30af\u3082\u3042\u308a\u307e\u3059\u3002\u6700\u5927\u306e\u30dd\u30a4\u30f3\u30c8\u306e\u4e00\u3064\u304c\u3001\u65e5\u672c\u4e8b\u696d\u306e\u5b58\u5728\u611f\u3067\u3059\u3002\u65e5\u672c\u3067\u975e\u5e38\u306b\u5927\u304d\u306a\u4fdd\u967a\u5951\u7d04\u57fa\u76e4\u3092\u6301\u3064\u4e00\u65b9\u3001\u6c7a\u7b97\u306f\u7c73\u30c9\u30eb\u3067\u884c\u308f\u308c\u308b\u305f\u3081\u3001\u5186\u3068\u30c9\u30eb\u306e\u70ba\u66ff\u30ec\u30fc\u30c8\u306b\u3088\u3063\u3066\u696d\u7e3e\u306e\u898b\u3048\u65b9\u304c\u5909\u308f\u308a\u307e\u3059\u3002\u4f1a\u793e\u5074\u3082\u3001\u5186\u9ad8\u306b\u306a\u308b\u3068Aflac Japan\u304c\u4fdd\u6709\u3059\u308b\u7c73\u30c9\u30eb\u5efa\u3066\u6295\u8cc7\u53ce\u76ca\u3092\u5186\u63db\u7b97\u3057\u305f\u969b\u306e\u91d1\u984d\u304c\u62bc\u3057\u4e0b\u3052\u3089\u308c\u3001\u9006\u306b\u5186\u5b89\u306b\u306a\u308b\u3068\u62bc\u3057\u4e0a\u3052\u3089\u308c\u308b\u3068\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u65e5\u672c\u3067\u306f\u5c11\u5b50\u9ad8\u9f62\u5316\u3084\u4eba\u53e3\u69cb\u9020\u306e\u5909\u5316\u3001\u533b\u7642\u5236\u5ea6\u6539\u9769\u306a\u3069\u304c\u4fdd\u967a\u5e02\u5834\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002\u65e2\u5b58\u5951\u7d04\u304c\u5927\u91cf\u306b\u3042\u308b\u3053\u3068\u306f\u5b89\u5b9a\u7684\u306a\u53ce\u76ca\u57fa\u76e4\u306b\u3064\u306a\u304c\u308b\u4e00\u65b9\u3001\u65b0\u898f\u5951\u7d04\u3092\u3069\u306e\u3088\u3046\u306b\u7a4d\u307f\u4e0a\u3052\u308b\u304b\u3001\u5546\u54c1\u306e\u9b45\u529b\u3092\u3069\u3046\u7dad\u6301\u3059\u308b\u304b\u3068\u3044\u3046\u8ab2\u984c\u3082\u3042\u308a\u307e\u3059\u3002\u5b9f\u969b\u3001Aflac Japan\u3067\u306f\u9650\u5b9a\u6255\u306e\u5546\u54c1\u304c\u4fdd\u967a\u6599\u6255\u8fbc\u6e80\u4e86\u3092\u8fce\u3048\u308b\u3053\u3068\u306a\u3069\u304c\u3001\u5e74\u63db\u7b97\u4fdd\u967a\u6599\u306e\u6e1b\u5c11\u8981\u56e0\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>2026\u5e74\u306b\u5165\u3063\u3066\u304b\u3089\u3082\u3001Aflac\u306f\u65e5\u672c\u3068\u7c73\u56fd\u306e\u4e21\u4e8b\u696d\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u30022026\u5e74\u7b2c2\u56db\u534a\u671f\u306eAflac Japan\u306e\u6b63\u5473\u53ce\u5165\u4fdd\u967a\u6599\u306f2450\u5104\u5186\u3001Aflac U.S.\u306f\u7d0415\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002Aflac Japan\u3067\u306f\u65b0\u5546\u54c1\u306e\u8ca9\u58f2\u52d5\u5411\u3001Aflac U.S.\u3067\u306f\u4f01\u696d\u5411\u3051\u3092\u542b\u3080\u88dc\u5b8c\u7684\u4fdd\u967a\u5e02\u5834\u306e\u6210\u9577\u304c\u4eca\u5f8c\u306e\u30dd\u30a4\u30f3\u30c8\u306b\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>Aflac\u3092\u6295\u8cc7\u5bfe\u8c61\u3068\u3057\u3066\u898b\u308b\u5834\u5408\u3001\u5358\u7d14\u306b\u300c\u65e5\u672c\u3067\u3082\u6709\u540d\u306a\u4fdd\u967a\u4f1a\u793e\u300d\u3068\u3044\u3046\u8996\u70b9\u3060\u3051\u3067\u306f\u4e0d\u5341\u5206\u3067\u3059\u3002<strong>\u65e5\u672c\u3068\u7c73\u56fd\u3068\u3044\u30462\u3064\u306e\u5de8\u5927\u5e02\u5834\u3067\u3001\u533b\u7642\u8cbb\u3084\u516c\u7684\u4fdd\u969c\u3092\u88dc\u5b8c\u3059\u308b\u4fdd\u967a\u3092\u63d0\u4f9b\u3057\u3001\u305d\u306e\u4fdd\u967a\u6599\u3092\u9577\u671f\u904b\u7528\u3059\u308b\u4f01\u696d<\/strong>\u3068\u3044\u3046\u5074\u9762\u3092\u62bc\u3055\u3048\u308b\u5fc5\u8981\u304c\u3042\u308a\u307e\u3059\u3002\u751f\u547d\u4fdd\u967a\u682a\u306e\u4e2d\u3067\u3082\u3001MetLife\u3084Prudential Financial\u306e\u3088\u3046\u306a\u7dcf\u5408\u4fdd\u967a\u4f1a\u793e\u3068\u306f\u4e8b\u696d\u69cb\u6210\u304c\u7570\u306a\u308a\u3001Globe Life\u3068\u6bd4\u8f03\u3059\u308b\u3068\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3068\u3044\u3046\u5171\u901a\u70b9\u304c\u898b\u3048\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306e\u6d88\u8cbb\u8005\u306b\u3068\u3063\u3066\u8eab\u8fd1\u306a\u300c\u30a2\u30d5\u30e9\u30c3\u30af\u300d\u3068\u3044\u3046\u30d6\u30e9\u30f3\u30c9\u3068\u3001\u30cb\u30e5\u30fc\u30e8\u30fc\u30af\u8a3c\u5238\u53d6\u5f15\u6240\u306b\u4e0a\u5834\u3059\u308b\u300cAFL\u300d\u3068\u3044\u3046\u4f01\u696d\u3002\u3053\u306e\u4e8c\u3064\u3092\u7d50\u3073\u4ed8\u3051\u3066\u8003\u3048\u308b\u3068\u3001\u7c73\u56fd\u4fdd\u967a\u696d\u754c\u3060\u3051\u3067\u306a\u304f\u3001\u65e5\u672c\u306e\u6c11\u9593\u533b\u7642\u4fdd\u967a\u5e02\u5834\u304c\u7c73\u56fd\u4f01\u696d\u306b\u3068\u3063\u3066\u3069\u308c\u307b\u3069\u5927\u304d\u306a\u4e8b\u696d\u9818\u57df\u306b\u306a\u3063\u3066\u3044\u308b\u306e\u304b\u3082\u898b\u3048\u3066\u304d\u307e\u3059\u3002\u4fdd\u967a\u6599\u53ce\u5165\u3001\u5951\u7d04\u8005\u6570\u3001\u65b0\u5951\u7d04\u3001\u4fdd\u967a\u91d1\u652f\u6255\u3044\u3001\u904b\u7528\u53ce\u76ca\u3001\u70ba\u66ff\u3001\u305d\u3057\u3066\u682a\u4e3b\u9084\u5143\u2015\u2015\u3053\u3046\u3057\u305f\u8907\u6570\u306e\u8981\u7d20\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u3001Aflac\u3068\u3044\u3046\u4fdd\u967a\u682a\u3092\u7406\u89e3\u3059\u308b\u30dd\u30a4\u30f3\u30c8\u306b\u306a\u308a\u305d\u3046\u3067\u3059\u3002<\/p>\n<div class=\"xcd-attention-1 xcd-col2 xcd-ripple\">\n<div class=\"xcd-title\">\u8cc7\u7523\u904b\u7528\u306b\u8208\u5473\u304c\u3042\u308b\u65b9\u3078<\/div>\n<div class=\"xcd-content\"><span>\u79c1\u305f\u3061GFS\u3067\u306f\u3001\u5b66\u6821\u3067\u306f\u6559\u3048\u3066\u3082\u3089\u3048\u306a\u304b\u3063\u305f\u304a\u91d1\u306e\u3053\u3068\u304c\u308f\u304b\u308b\u7121\u6599\u30b3\u30f3\u30c6\u30f3\u30c4\u3092\u3054\u7528\u610f\u3057\u3066\u3044\u307e\u3059\u3002<\/span><br \/>\n<span style=\"color: #0066c0;\"><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16909&amp;utm_content=16909\" style=\"color: #0066c0;\">\u226b \u521d\u5fc3\u8005\u5411\u3051\u7121\u6599\u8b1b\u5ea7\uff1a\u304a\u91d1\u306e\u30d7\u30ed\u304c\u6559\u3048\u308b\u300c\u6bce\u6708\u53ce\u5165\u3092\u5f97\u308b\u6295\u8cc7\u306e\u59cb\u3081\u65b9\u300d<\/a><\/span><\/div>\n<\/div>\n<h2>Unum Group\u3068\u306f\uff1f\u300c\u50cd\u3051\u306a\u3044\u30ea\u30b9\u30af\u300d\u3092\u4fdd\u969c\u3059\u308b\u7c73\u56fd\u4fdd\u967a\u4f1a\u793e\u306e\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb<\/h2>\n<p>\u7c73\u56fd\u306e\u4fdd\u967a\u682a\u3092\u8abf\u3079\u308b\u3068\u3001Globe Life\u3084Aflac\u3068\u4e26\u3093\u3067\u6ce8\u76ee\u3055\u308c\u308b\u4f01\u696d\u306e\u4e00\u3064\u304cUnum Group\uff08\u30e6\u30ca\u30e0\u30fb\u30b0\u30eb\u30fc\u30d7\u3001NYSE\uff1aUNM\uff09\u3067\u3059\u3002Unum Group\u306e\u5927\u304d\u306a\u7279\u5fb4\u306f\u3001\u751f\u547d\u4fdd\u967a\u3060\u3051\u3092\u4e2d\u5fc3\u306b\u5c55\u958b\u3059\u308b\u4f1a\u793e\u3067\u306f\u306a\u304f\u3001<strong>\u969c\u5bb3\u4fdd\u967a\uff08Disability Insurance\uff09\u3092\u4e2d\u6838\u306b\u636e\u3048\u3066\u3044\u308b\u3053\u3068<\/strong>\u3067\u3059\u3002\u75c5\u6c17\u3084\u3051\u304c\u306b\u3088\u3063\u3066\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306e\u6240\u5f97\u6e1b\u5c11\u3092\u4fdd\u969c\u3059\u308b\u4fdd\u967a\u3092\u3001\u4f01\u696d\u306e\u798f\u5229\u539a\u751f\u306a\u3069\u3092\u901a\u3058\u3066\u63d0\u4f9b\u3057\u3066\u3044\u307e\u3059\u3002\u7c73\u56fd\u3067\u306f\u533b\u7642\u8cbb\u305d\u306e\u3082\u306e\u3060\u3051\u3067\u306a\u304f\u3001\u300c\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3053\u3068\u3067\u53ce\u5165\u304c\u6e1b\u308b\u300d\u3068\u3044\u3046\u30ea\u30b9\u30af\u3082\u91cd\u8981\u306a\u793e\u4f1a\u7684\u8ab2\u984c\u3067\u3042\u308a\u3001Unum Group\u306f\u305d\u306e\u90e8\u5206\u3092\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3059\u308b\u4f01\u696d\u3068\u3044\u3048\u307e\u3059\u3002<\/p>\n<p>Unum Group\u306e\u4e8b\u696d\u306f\u3001\u5927\u304d\u304fUnum US\u3001Unum International\u3001Colonial Life\u3001Closed Block\u3001Corporate\u306b\u5206\u304b\u308c\u3066\u3044\u307e\u3059\u30022025\u5e74\u306e\u9023\u7d50\u4fdd\u967a\u6599\u53ce\u5165\u306b\u5360\u3081\u308b\u5272\u5408\u3092\u898b\u308b\u3068\u3001Unum US\u304c65.4\uff05\u3001Colonial Life\u304c17.0\uff05\u3001Unum International\u304c10.0\uff05\u3001Closed Block\u304c7.6\uff05\u3068\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u6700\u5927\u306eUnum US\u3067\u306f\u3001\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u3001\u56e3\u4f53\u751f\u547d\u4fdd\u967a\u3001\u50b7\u5bb3\u30fb\u88dc\u5b8c\u7684\u4fdd\u967a\u306a\u3069\u3092\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u306a\u304b\u3067\u3082Unum Group\u3092\u7406\u89e3\u3059\u308b\u3046\u3048\u3067\u91cd\u8981\u306a\u306e\u304c\u300c\u969c\u5bb3\u4fdd\u967a\u300d\u3067\u3059\u3002\u65e5\u672c\u3067\u306f\u751f\u547d\u4fdd\u967a\u3068\u3044\u3046\u3068\u6b7b\u4ea1\u4fdd\u969c\u3084\u533b\u7642\u4fdd\u967a\u3092\u30a4\u30e1\u30fc\u30b8\u3059\u308b\u3053\u3068\u304c\u591a\u3044\u3067\u3059\u304c\u3001Unum Group\u3067\u306f\u300c\u50cd\u3051\u306a\u304f\u306a\u308b\u3053\u3068\u3067\u767a\u751f\u3059\u308b\u7d4c\u6e08\u7684\u30ea\u30b9\u30af\u300d\u304c\u91cd\u8981\u306a\u4fdd\u967a\u5bfe\u8c61\u306b\u306a\u3063\u3066\u3044\u307e\u3059\u3002\u9577\u671f\u969c\u5bb3\u4fdd\u967a\u3067\u306f\u3001\u75c5\u6c17\u3084\u3051\u304c\u306a\u3069\u306b\u3088\u3063\u3066\u9577\u671f\u9593\u4ed5\u4e8b\u304c\u3067\u304d\u306a\u304f\u306a\u3063\u305f\u5834\u5408\u306b\u3001\u5951\u7d04\u5185\u5bb9\u306b\u5fdc\u3058\u3066\u6240\u5f97\u3092\u88dc\u3046\u7d66\u4ed8\u3092\u53d7\u3051\u308b\u4ed5\u7d44\u307f\u3067\u3059\u3002\u77ed\u671f\u969c\u5bb3\u4fdd\u967a\u3082\u542b\u3081\u3001\u4f01\u696d\u306e\u5f93\u696d\u54e1\u5411\u3051\u798f\u5229\u539a\u751f\u3068\u3057\u3066\u63d0\u4f9b\u3055\u308c\u308b\u5546\u54c1\u304c\u5927\u304d\u306a\u5f79\u5272\u3092\u62c5\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>2025\u5e74\u306eUnum US\u306e\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u3067\u306f\u3001\u9577\u671f\u969c\u5bb3\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u53ce\u5165\u304c\u7d0420.11\u5104\u30c9\u30eb\u3001\u77ed\u671f\u969c\u5bb3\u4fdd\u967a\u304c\u7d0411.38\u5104\u30c9\u30eb\u3068\u306a\u308a\u3001\u5408\u8a08\u3067\u7d0431.50\u5104\u30c9\u30eb\u306b\u9054\u3057\u307e\u3057\u305f\u3002\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u3060\u3051\u3067\u540c\u793e\u306e\u4e3b\u8981\u4e8b\u696d\u306e\u4e00\u89d2\u3092\u5f62\u6210\u3057\u3066\u3044\u308b\u3053\u3068\u304c\u5206\u304b\u308a\u307e\u3059\u3002<\/p>\n<p>\u307e\u305f\u3001\u56e3\u4f53\u751f\u547d\u4fdd\u967a\u3082\u91cd\u8981\u306a\u4e8b\u696d\u3067\u3059\u30022025\u5e74\u306eUnum US\u3067\u306f\u3001Group Life\u306e\u4fdd\u967a\u6599\u53ce\u5165\u304c\u7d0418.71\u5104\u30c9\u30eb\u3001Accidental Death &amp; Dismemberment\uff08\u4e8b\u6545\u6b7b\u4ea1\u30fb\u8eab\u4f53\u5207\u65ad\u4fdd\u969c\uff09\u304c\u7d041.96\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002\u969c\u5bb3\u4fdd\u967a\u3060\u3051\u3067\u306f\u306a\u304f\u3001\u6b7b\u4ea1\u3084\u4e8b\u6545\u306b\u5bfe\u3059\u308b\u4fdd\u969c\u3082\u7d44\u307f\u5408\u308f\u305b\u308b\u3053\u3068\u3067\u3001\u4f01\u696d\u304c\u5f93\u696d\u54e1\u5411\u3051\u306b\u63d0\u4f9b\u3059\u308b\u798f\u5229\u539a\u751f\u3092\u5e45\u5e83\u304f\u30ab\u30d0\u30fc\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u3055\u3089\u306bUnum Group\u3067\u306f\u3001\u500b\u4eba\u5411\u3051\u306e\u969c\u5bb3\u4fdd\u967a\u3084\u4efb\u610f\u52a0\u5165\u578b\u306e\u798f\u5229\u539a\u751f\u3001\u6b6f\u79d1\u30fb\u8996\u529b\u4fdd\u967a\u306a\u3069\u3082\u5c55\u958b\u3057\u3066\u3044\u307e\u3059\u30022025\u5e74\u306eUnum US\u306b\u304a\u3051\u308bSupplemental and Voluntary\u90e8\u9580\u3067\u306f\u3001Voluntary Benefits\u306e\u4fdd\u967a\u6599\u53ce\u5165\u304c\u7d049.27\u5104\u30c9\u30eb\u3001Individual Disability\u304c\u7d046.15\u5104\u30c9\u30eb\u3001Dental and Vision\u304c\u7d043.25\u5104\u30c9\u30eb\u3067\u3057\u305f\u3002\u3053\u308c\u3089\u3092\u5408\u8a08\u3059\u308b\u3068\u7d0418.67\u5104\u30c9\u30eb\u3068\u306a\u308a\u3001\u4f01\u696d\u5411\u3051\u56e3\u4f53\u4fdd\u967a\u3092\u88dc\u5b8c\u3059\u308b\u4e8b\u696d\u7fa4\u3068\u3057\u3066\u5b58\u5728\u611f\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>Unum Group\u306e2025\u5e74\u306e\u696d\u7e3e\u3092\u898b\u308b\u3068\u3001Core Operations\u306e\u4fdd\u967a\u6599\u306f\u524d\u5e74\u6bd44.4\uff05\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u307e\u305f\u3001\u8abf\u6574\u5f8c\u55b6\u696d\u5229\u76ca\u306f18.88\u5104\u30c9\u30eb\u3001\u8abf\u6574\u5f8c\u55b6\u696d\u5229\u76ca\u30d9\u30fc\u30b9\u306e1\u682a\u5229\u76ca\u306f8.13\u30c9\u30eb\u3067\u3057\u305f\u3002\u4f1a\u793e\u5074\u306f2026\u5e74\u306b\u3064\u3044\u3066\u3001Core Premium Growth\u30924\uff5e7\uff05\u3001\u8abf\u6574\u5f8c\u55b6\u696d\u5229\u76ca\u30d9\u30fc\u30b9\u306eEPS\u6210\u9577\u7387\u30928\uff5e12\uff05\u3068\u3059\u308b\u898b\u901a\u3057\u3092\u793a\u3057\u3066\u3044\u307e\u3059\u3002\u3082\u3063\u3068\u3082\u3001\u3053\u308c\u306f\u4f1a\u793e\u5074\u306e\u4e88\u60f3\u3067\u3042\u308a\u3001\u5b9f\u969b\u306e\u696d\u7e3e\u306f\u4fdd\u967a\u91d1\u652f\u6255\u3044\u3001\u5951\u7d04\u8005\u52d5\u5411\u3001\u91d1\u5229\u3001\u904b\u7528\u74b0\u5883\u306a\u3069\u306b\u3088\u3063\u3066\u5909\u52d5\u3057\u307e\u3059\u3002<\/p>\n<p>2026\u5e74\u306b\u5165\u3063\u3066\u304b\u3089\u306e\u52d5\u304d\u3082\u78ba\u8a8d\u3057\u3066\u304a\u304d\u305f\u3044\u3068\u3053\u308d\u3067\u3059\u30022026\u5e74\u7b2c2\u56db\u534a\u671f\u307e\u3067\u306e\u7d2f\u8a08\u3067\u306f\u3001Unum US\u306e\u56e3\u4f53\u751f\u547d\u30fb\u4e8b\u6545\u4fdd\u969c\u306e\u4fdd\u967a\u6599\u53ce\u5165\u306f\u7d0411.02\u5104\u30c9\u30eb\u3068\u306a\u308a\u3001\u524d\u5e74\u540c\u671f\u306e\u7d0410.34\u5104\u30c9\u30eb\u304b\u3089\u5897\u52a0\u3057\u307e\u3057\u305f\u3002\u4e00\u65b9\u3001Supplemental and Voluntary\u90e8\u9580\u306e\u4fdd\u967a\u6599\u53ce\u5165\u306f\u7d049.60\u5104\u30c9\u30eb\u3067\u3001\u524d\u5e74\u540c\u671f\u306e\u7d049.66\u5104\u30c9\u30eb\u304b\u3089\u3084\u3084\u6e1b\u5c11\u3057\u3066\u3044\u307e\u3059\u3002\u4e8b\u696d\u306b\u3088\u3063\u3066\u6210\u9577\u7387\u304c\u7570\u306a\u308b\u70b9\u306f\u3001Unum Group\u3092\u898b\u308b\u969b\u306e\u30dd\u30a4\u30f3\u30c8\u3067\u3059\u3002<\/p>\n<p>\u4fdd\u967a\u4f1a\u793e\u3067\u3042\u308bUnum Group\u306b\u3068\u3063\u3066\u3001\u4fdd\u967a\u6599\u53ce\u5165\u3060\u3051\u3067\u306a\u304f\u904b\u7528\u53ce\u76ca\u3082\u91cd\u8981\u3067\u3059\u3002\u9867\u5ba2\u304b\u3089\u53d7\u3051\u53d6\u3063\u305f\u4fdd\u967a\u6599\u306e\u4e00\u90e8\u306f\u3001\u5c06\u6765\u306e\u4fdd\u967a\u91d1\u30fb\u7d66\u4ed8\u91d1\u652f\u6255\u3044\u306b\u5099\u3048\u3066\u904b\u7528\u3055\u308c\u307e\u3059\u3002\u305d\u306e\u305f\u3081\u3001\u7c73\u56fd\u91d1\u5229\u3084\u50b5\u5238\u5e02\u5834\u306a\u3069\u306e\u91d1\u878d\u74b0\u5883\u306f\u3001\u540c\u793e\u306e\u53ce\u76ca\u306b\u5f71\u97ff\u3092\u4e0e\u3048\u308b\u8981\u7d20\u306b\u306a\u308a\u307e\u3059\u30022025\u5e74\u306eUnum US\u3067\u306f\u3001\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u304b\u3089\u7d042.96\u5104\u30c9\u30eb\u3001\u56e3\u4f53\u751f\u547d\u30fb\u4e8b\u6545\u4fdd\u969c\u304b\u3089\u7d048160\u4e07\u30c9\u30eb\u3001Supplemental and Voluntary\u304b\u3089\u7d042.27\u5104\u30c9\u30eb\u306e\u7d14\u6295\u8cc7\u53ce\u76ca\u304c\u8a08\u4e0a\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u4e00\u65b9\u3067\u3001Unum Group\u306b\u306f\u4fdd\u967a\u4f1a\u793e\u7279\u6709\u306e\u30ea\u30b9\u30af\u3082\u3042\u308a\u307e\u3059\u3002\u969c\u5bb3\u4fdd\u967a\u3067\u306f\u3001\u5951\u7d04\u8005\u304c\u5b9f\u969b\u306b\u3069\u306e\u7a0b\u5ea6\u306e\u983b\u5ea6\u3067\u7d66\u4ed8\u3092\u53d7\u3051\u308b\u306e\u304b\u3001\u7d66\u4ed8\u671f\u9593\u304c\u3069\u306e\u7a0b\u5ea6\u306b\u306a\u308b\u306e\u304b\u304c\u53ce\u76ca\u6027\u306b\u5f71\u97ff\u3057\u307e\u3059\u30022025\u5e74\u7b2c4\u56db\u534a\u671f\u306eUnum US\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u3067\u306f\u3001Benefit Ratio\u304c64.2\uff05\u3068\u306a\u308a\u3001\u524d\u5e74\u540c\u671f\u306e60.4\uff05\u304b\u3089\u4e0a\u6607\u3057\u307e\u3057\u305f\u3002\u4f1a\u793e\u306b\u3088\u308b\u3068\u3001\u56e3\u4f53\u9577\u671f\u30fb\u77ed\u671f\u969c\u5bb3\u5546\u54c1\u306e\u8acb\u6c42\u984d\u306a\u3069\u304c\u5f71\u97ff\u3057\u307e\u3057\u305f\u3002<\/p>\n<p>\u307e\u305f\u3001Unum Group\u306b\u306f\u300cClosed Block\u300d\u3068\u3044\u3046\u904e\u53bb\u306b\u8ca9\u58f2\u3057\u305f\u4fdd\u967a\u5951\u7d04\u3092\u7ba1\u7406\u3059\u308b\u4e8b\u696d\u9818\u57df\u304c\u3042\u308a\u307e\u3059\u3002\u3053\u308c\u306f\u65b0\u898f\u8ca9\u58f2\u3092\u4e2d\u5fc3\u3068\u3057\u305f\u4e8b\u696d\u3068\u306f\u7570\u306a\u308a\u3001\u65e2\u5b58\u5951\u7d04\u306e\u4fdd\u967a\u91d1\u652f\u6255\u3044\u306a\u3069\u3092\u9577\u671f\u7684\u306b\u7ba1\u7406\u3057\u3066\u3044\u304f\u90e8\u5206\u3067\u3059\u3002\u540c\u793e\u306f\u3053\u306eClosed Block\u306b\u3064\u3044\u3066\u3001\u9577\u671f\u4ecb\u8b77\u4fdd\u967a\uff08LTC\uff09\u306a\u3069\u306e\u30ea\u30b9\u30af\u524a\u6e1b\u306b\u3082\u53d6\u308a\u7d44\u3093\u3067\u304a\u308a\u30012025\u5e74\u306b\u306f\u6cd5\u5b9a\u30d9\u30fc\u30b9\u306eLTC\u6e96\u5099\u91d1\u309250\u5104\u30c9\u30eb\u8d85\u524a\u6e1b\u3059\u308b\u6226\u7565\u7684\u63aa\u7f6e\u3092\u5b9f\u65bd\u3057\u305f\u3068\u8aac\u660e\u3057\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u682a\u4e3b\u9084\u5143\u3082Unum Group\u306e\u7279\u5fb4\u306e\u4e00\u3064\u3067\u3059\u30022025\u5e74\u306b\u306f\u914d\u5f53\u309210\uff05\u5897\u52a0\u3055\u305b\u3001\u5e74\u9593\u3067\u7d0410\u5104\u30c9\u30eb\u306e\u81ea\u793e\u682a\u8cb7\u3044\u3092\u5b9f\u65bd\u3057\u307e\u3057\u305f\u30022026\u5e74\u306b\u3064\u3044\u3066\u3082\u3001\u4f1a\u793e\u306f\u7d0410\u5104\u30c9\u30eb\u306e\u81ea\u793e\u682a\u8cb7\u3044\u3068\u7d99\u7d9a\u7684\u306a\u5897\u914d\u3092\u8a08\u753b\u3057\u3066\u3044\u307e\u3059\u3002\u3082\u3061\u308d\u3093\u3001\u3053\u3046\u3057\u305f\u682a\u4e3b\u9084\u5143\u306f\u5c06\u6765\u3082\u540c\u3058\u898f\u6a21\u3067\u5b9f\u65bd\u3055\u308c\u308b\u3053\u3068\u304c\u4fdd\u8a3c\u3055\u308c\u3066\u3044\u308b\u308f\u3051\u3067\u306f\u306a\u304f\u3001\u8cc7\u672c\u4f59\u529b\u3084\u4fdd\u967a\u4e8b\u696d\u306e\u72b6\u6cc1\u306b\u3088\u3063\u3066\u5909\u5316\u3059\u308b\u53ef\u80fd\u6027\u304c\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>Globe Life\u3084Aflac\u3068\u6bd4\u8f03\u3059\u308b\u3068\u3001Unum Group\u306e\u500b\u6027\u306f\u3088\u308a\u306f\u3063\u304d\u308a\u3057\u307e\u3059\u3002Globe Life\u306f\u751f\u547d\u4fdd\u967a\u3084\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3001Aflac\u306f\u304c\u3093\u4fdd\u967a\u306a\u3069\u306e\u88dc\u5b8c\u7684\u4fdd\u967a\u3067\u77e5\u540d\u5ea6\u304c\u3042\u308a\u307e\u3059\u3002\u4e00\u65b9\u3001Unum Group\u306f**\u300c\u75c5\u6c17\u3084\u3051\u304c\u3067\u50cd\u3051\u306a\u304f\u306a\u3063\u305f\u3068\u304d\u306e\u6240\u5f97\u4fdd\u969c\u300d**\u3068\u3044\u3046\u9818\u57df\u306b\u5f37\u307f\u3092\u6301\u3063\u3066\u3044\u307e\u3059\u3002\u540c\u3058\u7c73\u56fd\u4fdd\u967a\u682a\u3067\u3082\u3001\u3069\u306e\u3088\u3046\u306a\u30ea\u30b9\u30af\u3092\u4fdd\u967a\u3067\u30ab\u30d0\u30fc\u3057\u3066\u3044\u308b\u304b\u306b\u3088\u3063\u3066\u3001\u30d3\u30b8\u30cd\u30b9\u30e2\u30c7\u30eb\u306f\u5927\u304d\u304f\u7570\u306a\u308b\u306e\u3067\u3059\u3002<\/p>\n<p>\u65e5\u672c\u306e\u6295\u8cc7\u5bb6\u306b\u3068\u3063\u3066Unum Group\u3092\u7814\u7a76\u3059\u308b\u9762\u767d\u3055\u306f\u3001\u7c73\u56fd\u306e\u798f\u5229\u539a\u751f\u5e02\u5834\u3092\u77e5\u308b\u304d\u3063\u304b\u3051\u306b\u3082\u306a\u308b\u3053\u3068\u3067\u3059\u3002\u4f01\u696d\u304c\u5f93\u696d\u54e1\u5411\u3051\u306b\u3069\u306e\u3088\u3046\u306a\u4fdd\u967a\u3092\u7528\u610f\u3059\u308b\u306e\u304b\u3001\u969c\u5bb3\u4fdd\u967a\u3084\u751f\u547d\u4fdd\u967a\u304c\u3069\u306e\u3088\u3046\u306b\u7d44\u307f\u8fbc\u307e\u308c\u3066\u3044\u308b\u306e\u304b\u3092\u898b\u308b\u3053\u3068\u3067\u3001\u65e5\u672c\u3068\u306f\u7570\u306a\u308b\u7c73\u56fd\u306e\u96c7\u7528\u30fb\u798f\u5229\u539a\u751f\u5236\u5ea6\u306e\u4e00\u9762\u304c\u898b\u3048\u3066\u304d\u307e\u3059\u3002<\/p>\n<p>Unum Group\u3092\u6295\u8cc7\u5bfe\u8c61\u3068\u3057\u3066\u8abf\u3079\u308b\u969b\u306b\u306f\u3001\u58f2\u4e0a\u9ad8\u3084\u5229\u76ca\u3060\u3051\u3067\u306a\u304f\u3001\u56e3\u4f53\u969c\u5bb3\u4fdd\u967a\u306e\u4fdd\u967a\u6599\u3001Benefit Ratio\u3001\u5951\u7d04\u306e\u7d99\u7d9a\u7387\u3001\u65b0\u898f\u8ca9\u58f2\u3001\u6295\u8cc7\u53ce\u76ca\u3001\u8cc7\u672c\u4f59\u529b\u3001\u305d\u3057\u3066Closed Block\u306e\u30ea\u30b9\u30af\u524a\u6e1b\u72b6\u6cc1\u306a\u3069\u3092\u78ba\u8a8d\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002**\u300c\u751f\u547d\u4fdd\u967a\u4f1a\u793e\u300d\u3068\u3044\u3046\u4e00\u62ec\u308a\u3067\u306f\u306a\u304f\u3001\u300c\u50cd\u3051\u306a\u304f\u306a\u308b\u30ea\u30b9\u30af\u3092\u4fdd\u969c\u3059\u308b\u4fdd\u967a\u4f1a\u793e\u300d**\u3068\u3044\u3046\u8996\u70b9\u304b\u3089\u898b\u308b\u3053\u3068\u3067\u3001Unum Group\u306e\u4e8b\u696d\u5185\u5bb9\u3084\u7c73\u56fd\u4fdd\u967a\u5e02\u5834\u306b\u304a\u3051\u308b\u4f4d\u7f6e\u4ed8\u3051\u304c\u3088\u308a\u5206\u304b\u308a\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<h2 data-section-id=\"kcy1iy\" data-start=\"378\" data-end=\"405\" class=\"PDq2pG_selectionAnchorContainer\">\u307e\u3068\u3081\uff5c\u300c\u4fdd\u967a\u4f1a\u793e\u300d\u3067\u3082\u4e8b\u696d\u30e2\u30c7\u30eb\u306f\u5927\u304d\u304f\u7570\u306a\u308b<span aria-hidden=\"true\" class=\"PDq2pG_selectionAnchor\"><\/span><\/h2>\n<p data-start=\"407\" data-end=\"758\" data-is-last-node=\"\" data-is-only-node=\"\">Globe Life\u3001Aflac\u3001Unum Group\u306f\u3044\u305a\u308c\u3082\u7c73\u56fd\u3092\u4ee3\u8868\u3059\u308b\u4e0a\u5834\u4fdd\u967a\u4f1a\u793e\u3067\u3059\u304c\u3001\u305d\u306e\u4e8b\u696d\u5185\u5bb9\u306b\u306f\u660e\u78ba\u306a\u9055\u3044\u304c\u3042\u308a\u307e\u3059\u3002Globe Life\u306f\u751f\u547d\u4fdd\u967a\u3084\u88dc\u5b8c\u7684\u533b\u7642\u4fdd\u967a\u3001Aflac\u306f\u304c\u3093\u4fdd\u967a\u3092\u306f\u3058\u3081\u3068\u3059\u308b\u88dc\u5b8c\u7684\u4fdd\u967a\u3001Unum Group\u306f\u969c\u5bb3\u4fdd\u967a\u3084\u6240\u5f97\u4fdd\u969c\u3092\u4e3b\u8981\u306a\u53ce\u76ca\u6e90\u3068\u3057\u3066\u3044\u307e\u3059\u3002\u540c\u3058\u4fdd\u967a\u682a\u3067\u3082\u3001\u5bfe\u8c61\u3068\u306a\u308b\u9867\u5ba2\u3084\u4fdd\u969c\u3059\u308b\u30ea\u30b9\u30af\u3001\u8ca9\u58f2\u30c1\u30e3\u30cd\u30eb\u3001\u4fdd\u967a\u91d1\u306e\u652f\u6255\u3044\u69cb\u9020\u306f\u5927\u304d\u304f\u7570\u306a\u308a\u307e\u3059\u3002\u307e\u305f\u3001\u4fdd\u967a\u4f1a\u793e\u306f\u53d7\u3051\u53d6\u3063\u305f\u4fdd\u967a\u6599\u3092\u904b\u7528\u3059\u308b\u91d1\u878d\u6a5f\u95a2\u3068\u3057\u3066\u306e\u5074\u9762\u3082\u6301\u3064\u305f\u3081\u3001\u91d1\u5229\u3084\u50b5\u5238\u5e02\u5834\u3001\u70ba\u66ff\u306a\u3069\u3082\u696d\u7e3e\u3092\u5de6\u53f3\u3057\u307e\u3059\u3002\u7c73\u56fd\u4fdd\u967a\u682a\u3092\u898b\u308b\u969b\u306b\u306f\u3001\u5358\u7d14\u306a\u58f2\u4e0a\u9ad8\u3084\u5229\u76ca\u3060\u3051\u3067\u5224\u65ad\u3059\u308b\u306e\u3067\u306f\u306a\u304f\u3001\u300c\u4f55\u306e\u30ea\u30b9\u30af\u3092\u4fdd\u969c\u3057\u3001\u3069\u3053\u304b\u3089\u4fdd\u967a\u6599\u3092\u5f97\u3066\u3001\u305d\u306e\u8cc7\u91d1\u3092\u3069\u3046\u904b\u7528\u3057\u3066\u3044\u308b\u306e\u304b\u300d\u3068\u3044\u3046\u8996\u70b9\u3067\u5404\u793e\u3092\u6bd4\u8f03\u3059\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002<\/p>\n<div data-conversation-screenshot-content=\"\" class=\"[--thread-content-max-width:40rem] @w-lg\/main:[--thread-content-max-width:48rem] mx-auto max-w-(--thread-content-max-width) flex-1 group\/turn-messages focus-visible:outline-hidden relative flex w-full min-w-0 flex-col agent-turn\">\n<div class=\"z-0 flex min-h-[46px] justify-start\">\n<div class=\"flex max-w-full flex-col gap-4 grow\">\n<div data-message-author-role=\"assistant\" data-message-id=\"6d267c02-2639-4a17-a7d4-e6bf4878c6e6\" dir=\"auto\" data-message-model-slug=\"gpt-5-6\" class=\"min-h-8 text-message relative flex w-full flex-col items-end gap-2 text-start break-words whitespace-normal outline-none keyboard-focused:focus-ring [.text-message+&amp;]:mt-1\">\n<div class=\"flex w-full flex-col gap-1 empty:hidden\">\n<div class=\"markdown prose dark:prose-invert wrap-break-word w-full light markdown-new-styling\">\n<div class=\"xcd-attention-8 xcd-col5 xcd-ripple\">\n<div class=\"xcd-title\"><span style=\"font-size: 18pt;\">\u30d7\u30ed\u306e\u77e5\u8b58\u304c\u7121\u6599\u3067\u5b66\u3079\u307e\u3059<\/span><\/div>\n<div class=\"xcd-content\">\n<p><span style=\"font-size: 14pt;\"><strong>\u300c\u6295\u8cc7\u306e\u52c9\u5f37\u3092\u4f55\u304b\u3089\u3084\u3063\u3066\u3044\u3044\u304b\u308f\u304b\u3089\u306a\u3044\u300d\u300c\u6295\u8cc7\u3067\u8cc7\u7523\u3092\u4f5c\u308a\u305f\u3044\u3001\u53ce\u5165\u3092\u5897\u3084\u3057\u305f\u3044\u300d<\/strong><\/span><\/p>\n<p>\u305d\u3093\u306a\u6642\u306f<b><span class=\"f-marker-p\">\u7121\u6599\u3067\u8996\u8074\u3067\u304d\u308b\u30aa\u30f3\u30e9\u30a4\u30f3\u8b1b\u5ea7\u300c<a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16989&amp;utm_content=16989\">GFS\u76e3\u4fee \u6295\u8cc7\u306e\u9054\u4eba\u8b1b\u5ea7<\/a>\u300d\u3092\u307e\u305a\u306f\u304a\u8a66\u3057\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/span><\/b><\/p>\n<p>\u6295\u8cc7\u306e\u9054\u4eba\u306b\u306a\u308b\u6295\u8cc7\u8b1b\u5ea7\u306f\u3001\u751f\u5f92\u657050,000\u4eba\u3092\u8d85\u3048\u8b1b\u7fa9\u6570\u65e5\u672c\u4e00\u306e\u6295\u8cc7\u30b9\u30af\u30fc\u30eb<a href=\"https:\/\/gfs.tokyo\/\">GFS<\/a>\u304c\u63d0\u4f9b\u3059\u308b\u7121\u6599\u30aa\u30f3\u30e9\u30a4\u30f3\u8b1b\u5ea7\u3067\u3059\u3002\u30d7\u30ed\u306e\u6295\u8cc7\u5bb6\u3067\u3042\u308b\u8b1b\u5e2b\u304c\u3001\u672a\u7d4c\u9a13\u8005\u3084\u82e6\u624b\u610f\u8b58\u304c\u3042\u308b\u4eba\u3067\u3082\u5206\u304b\u308b\u3088\u3046\u306b\u3001\u6295\u8cc7\u306e\u4ed5\u7d44\u307f\u3084\u5168\u4f53\u50cf\u3001\u30eb\u30fc\u30eb\u3092\u57fa\u790e\u304b\u3089\u56f3\u89e3\u3092\u4ea4\u3048\u3066\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<p>\u6295\u8cc7\u306e\u52c9\u5f37\u3092\u306a\u308b\u3079\u304f\u52b9\u7387\u3088\u304f\u59cb\u3081\u305f\u3044\u4eba\u306f\u3001\u305c\u3072\u4e00\u5ea6\u3054\u8996\u8074\u304f\u3060\u3055\u3044\u3002<\/p>\n<div class=\"cv-btn-wrap\">\n<div class=\"cv-copy\" style=\"text-align: center;\"><strong><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16989&amp;utm_content=16989\">\uff3c1\u5206\u3067\u7c21\u5358\u7533\u8fbc\uff0f<\/a><\/strong><\/div>\n<div class=\"cv-btn\" style=\"text-align: center;\"><strong><span class=\"cv-em\">\u7121\u6599<\/span><\/strong><br \/>\n<strong><span class=\"cv-text\"><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16989&amp;utm_content=16989\n\">\u30aa\u30f3\u30e9\u30a4\u30f3\u8b1b\u5ea7\u306f\u3053\u3061\u3089<\/a><\/span><\/strong><\/div>\n<\/div>\n<\/div>\n<\/div>\n<p><span style=\"color: #0066c0;\"><a href=\"https:\/\/toushi-up.com\/ow\/05.html?utm_source=article&amp;utm_medium=16919&amp;utm_content=16919\" style=\"color: #0066c0;\">\u226b\u521d\u5fc3\u8005\u3067\u3082\u8cc7\u7523\u5f62\u6210\u3092\u5b66\u7fd2\u3067\u304d\u308b\u7121\u6599\u30aa\u30f3\u30e9\u30a4\u30f3\u30bb\u30df\u30ca\u30fc\u306f\u3053\u3061\u3089<\/a><\/span><\/p>\n<p data-path-to-node=\"4\">\u3010\u91cd\u8981\u3011\u514d\u8cac\u4e8b\u9805<\/p>\n<ul data-path-to-node=\"5\">\n<li>\n<p data-path-to-node=\"5,0,0\"><b data-path-to-node=\"5,0,0\" data-index-in-node=\"0\">\u6295\u8cc7\u5224\u65ad\u306e\u6700\u7d42\u8cac\u4efb\uff1a<\/b> \u672c\u8a18\u4e8b\u3067\u7d39\u4ecb\u3057\u3066\u3044\u308b\u9298\u67c4\u3084\u30bb\u30af\u30bf\u30fc\u3001\u5206\u6790\u5185\u5bb9\u306f\u3001\u60c5\u5831\u63d0\u4f9b\u304a\u3088\u3073\u5b66\u7fd2\u306e\u5553\u767a\u306e\u307f\u3092\u76ee\u7684\u3068\u3057\u3066\u304a\u308a\u3001\u7279\u5b9a\u306e\u9298\u67c4\u306e\u58f2\u8cb7\u3092\u63a8\u5968\u3059\u308b\u3082\u306e\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u6295\u8cc7\u306b\u95a2\u3059\u308b\u6700\u7d42\u6c7a\u5b9a\u306f\u3001\u5fc5\u305a\u3054\u81ea\u8eab\u306e\u5224\u65ad\u3068\u8cac\u4efb\u3067\u884c\u3063\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<\/li>\n<li>\n<p data-path-to-node=\"5,1,0\"><b data-path-to-node=\"5,1,0\" 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