JP2001229300A - System, device and method for providing design service for insurance - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a life insurance free design service system for easily designing life insurance from terminal equipment by a sales person and a customer. SOLUTION: The user device 40 of a personal computer accesses the life insurance design home page of a web server 10 through a network. Data on the age and the sex of the insured and data on the division, the type, the insurance period, the insurance payment period and the insurance amount of insurance being the object of examination are set from a design input picture. An insurance rate calculation module 13 supplied from the web server 10 calculates the insurance rate based on the data. A dealing specification module 14 detects the specification consistency of the setting and a various accumulation calculation module 20 calculates the various accumulated amounts or the like. A cancel refund is calculated by a cancel refund calculation module 16 on the web server 10. Those pieces of information are displayed by a table system or is graphed by a graph plotting module 18.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a design of insurance for providing information relating to predetermined insurance to each individual via a network, for example, introduction of a personalized life insurance product designed for each individual. The present invention relates to a service providing system, a device thereof, and a method thereof.

[0002]

2. Description of the Related Art In recent years, a wide and large-scale communication network represented by the Internet has become widespread. Such communication networks are used not only for transmission of e-mails and data, but also for provision of various information and transaction of goods. And in such an environment, for example, about car insurance,
It is possible to provide individual information and apply for contracts via the Internet.

[0003]

However, in insurance such as life insurance, for example, as a service via a network, information about general model cases is provided, but detailed information is provided for each individual user case. Services that provide explanations, such as providing personalized information to the extent that a personalized life insurance is designed, have not been available.

[0004] The reason will be described below by taking life insurance as an example. First, in the case of automobile insurance, for example, information such as insurance premiums can be calculated by setting relatively simple data such as the items described in the automobile inspection certificate, user information, and desired security details. In life insurance, one of the reasons is that the conditions and processing for calculating the information to be provided are extremely complicated and cannot be realized by a simple system. For example, life insurance covers a wide range of insurance contents, payment reasons, and the like, compared to ordinary non-life insurance. In addition, there are dozens or more types of insurance that are included in the so-called life insurance category. Among them, there are insurance that can be combined and insurance that cannot be combined, and it is very difficult to design.

[0005] In addition, life insurance usually covers a long period of time, for example, 30 years or a lifetime, and has a property value. It is important information. However,
The calculation of the surrender value is a very complicated process. You must also consider very specialized information, such as information about the health of the insured, such as your medical history, and setting insurance rates based on your medical history. And for this reason, detailed explanations of life insurance have so far mostly been provided directly by sales representatives (including those who seek insurance, such as sales agents of agents), and details through the network Information was not provided.

[0006] In such a situation, that is, when the user wants to receive an explanation about the life insurance, he or she must only meet directly with the salesperson of the insurance company. I was worried that I would receive relentless sales activities afterwards, and I often hesitated to receive such explanations. Conversely, even insurance companies have unconditionally lost business opportunities, and improvements have been desired. In other words, there has been a demand from both users and insurance companies that they want to more easily and easily explain life insurance and to accept it.

[0007] On the other hand, even when a salesperson gives a direct explanation to the user, as described above, this type of insurance has a wide variety of conditions and product contents, and the design is very complicated. Immediately, it has been difficult to calculate accurate insurance premiums and security contents based on the conditions of the user, and to show and explain insurance products suitable for the user. Therefore, when introducing such insurance, the sales representative must select a case that is close to the user's condition from several model cases prepared in advance, refer to it, and explain the product There were many.

In recent years, a sales clerk has a portable personal computer or the like and goes to explain to a user, inputs conditions of the user to the personal computer in front of the user, and inputs the information to the user. Sales support systems that can immediately present insurance products designed based on conditions are also being used. However, such sales support systems are equipped with such sales support software, that is, software for designing and presenting insurance products based on input conditions, on each personal computer carried by a sales representative. However, there has been a problem that maintenance of the system, such as upgrading the software and updating data, is troublesome. In addition, in such a sales support system using dedicated hardware, a sales person cannot introduce a proper product to a user without the dedicated hardware, which imposes a burden on the sales person. Had become something.

Accordingly, it is an object of the present invention to provide an insurance design service providing system, an insurance design service providing system, an apparatus and a method thereof, which can easily obtain various information related to insurance such as life insurance corresponding to each individual. is there. In other words, when used by general users, it is possible to easily obtain information related to insurance corresponding to each individual by simple processing at any time without directly meeting with the salesperson. In this case, the insurance design service providing system and its device and its device, which can easily obtain the insurance information corresponding to each customer anytime and anywhere with easy maintenance without using any dedicated hardware It is to provide a method.

[0010]

In order to solve the above-mentioned problems, an insurance design service providing system according to the present invention comprises: an arbitrary communication network; a plurality of nodes connected to the communication network; When a predetermined condition relating to a predetermined insurance design is input from any of the connected nodes, information relating to an insurance product meeting the condition is generated, and the generated information is referred to as the predetermined information. And a server device for transmitting the input to the node.

Preferably, the server device transmits a processing module for executing a process for generating the information to the node device as needed, and causes the server device to execute the processing module on the node device. , The information is generated and transmitted to the node. Specifically, for the insurance product based on the input conditions, the server device checks whether the insurance product conforms to a prescribed rule, calculates an insurance premium, and extracts security content. , Calculation of surrender value, detection of information related to accounting,
Then, any one, a plurality, or all of the processes for comparison with other insurance products are performed, and information of a result of the process is generated and transmitted to the node. More specifically, the server device transmits, to the node, a graph drawing module that displays information of a result of each of the processes in a graph, as necessary, and causes the node to execute the graph drawing module. Thus, information on the result of the processing is displayed in a graph.

Specifically, the insurance is life insurance, and one of the plurality of nodes inputs predetermined conditions relating to the design of life insurance to the server device,
The server device generates information related to a life insurance product that meets the input condition and transmits the information to the node.
More specifically, the predetermined conditions relating to the design of the life insurance include the age of the insured, the sex of the insured, the family structure of the insured, the medical history of the insured, the classification of insurance, and the type of insurance. , Insurance payment method, insurance period, insurance payment period, and insurance content including insurance amount, and conditions including one or more or all conditions.

[0013] The insurance design service providing apparatus according to the present invention is a server apparatus connected to an arbitrary communication network to which a plurality of nodes are connected. A receiving unit that receives a predetermined condition related to a predetermined insurance design, an information generating unit that generates information related to an insurance product that meets the received condition, and the generated information that is obtained by inputting the predetermined information. Transmitting means for transmitting to the node.

[0014] Preferably, the transmission means is a processing module for designing insurance in advance, the processing module being for generating insurance specification information based on the information generated by the information generating means. The information is transmitted to the input node, and the insurance specification information is generated on the node. Preferably, the information processing apparatus further includes database means for storing a predetermined condition relating to a predetermined insurance design input from the node. Specifically, the insurance is life insurance, the receiving means receives predetermined conditions related to the design of life insurance from the node, and the information generating means, Generate information about the product.

Further, the insurance design service providing method according to the present invention is characterized in that, based on a predetermined condition relating to an input predetermined insurance design, a server device for generating information relating to an insurance product meeting the condition is provided. When a plurality of nodes are connected as a website in a communication network to which the nodes are connected, and when the website is accessed from any of the nodes, an input processing module for inputting the condition to the node is transmitted. When the condition is input via the input processing module, desired information relating to a life insurance product that meets the condition is generated, and the generated information is output at a node to which the condition is input.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described.
This will be described with reference to FIGS. FIG. 1 is a diagram for describing the configuration and operating environment of a life insurance free design service system 1 according to the present embodiment. As shown in FIG.
The life insurance free design service system 1 includes a web server 10 and a user client device 40 connected to a network 30.

First, the configuration of each section will be described. The web server 10 establishes a home page on the network 30 and provides a free life insurance design service to any user client device 40 accessed via the network 30. The web server 10 is shown in FIG.
As shown in FIG. 1, the web control module 11, the database management module 12, the insurance premium calculation module 13, the handling regulation module 14, and the data storage call module 1
5. Cancellation refund calculation module 16, PDF (Portable
Document Format) module 17, graph drawing module 18, accounting module 19, and various total calculation modules 20. Further, it has a user database 21, a storage database 22, and a reply database 23 as storage or reference data.

The web control module 11 establishes a homepage for providing a life insurance free design service on the network 30, and in response to access from any user client device 40 via the network 30, a free life insurance free design service is provided. Various processes including communication with each user client device 40 are performed so that the service is appropriately executed. For example, the web control module 11 performs an authentication process with the user client device 40 at the start of the service, activates a desired processing module, transmits a desired processing module to the user client device 40, or updates a homepage screen accordingly. And the like.

The database management module 12 accesses the user database 21 and the storage database 22, and updates and reads data.

The insurance premium calculation module 13 is a processing module that is downloaded and executed by the user client device 30. The insurance premium calculation module 13 provides an input screen to the user to receive input of various insurance-related conditions and settings.
The insurance premium is calculated and displayed based on the input conditions.

The handling regulation module 14 examines whether or not the life insurance setting set on the input screen of the insurance premium calculation module 13 is legally or stipulated properly. The insurance premium calculation module is notified so that such settings are not made. This handling regulation module 14 is also used by the user client device 3
0 is a processing module downloaded and executed.

The data storage call module 15 is downloaded to the user client device 30 and executed,
It communicates with the database management module 12 of the web server 10 to store and read data in the storage database 22.

The surrender value calculating module 16 calculates the surrender value by referring to the surrender database 23 based on the set life insurance conditions and the like. This process
Since this is a complicated process that refers to the refund database 23 which is a huge table, the refund calculation module 16
Is executed on the web server 10.

When the design of the life insurance is completed, the PDF creation module 17 converts the design contents into a PDF (Portable Document Format) in a form in which the contents are guaranteed.
Output as a file.

The graph drawing module 18 graphically displays various data relating to the set life insurance, for example, data such as the accumulated amount of paid insurance premiums, surrender value, changes in insurance premiums and required security amounts, and the like. Or print out.

The accounting processing module 19 is effective when the insurance company has a corporate contract, and extracts information such as an accounting method such as an insurance premium, an insurance money, or a surrender value, and a tax accompanying the processing. indicate.

The cumulative total calculation module 20 calculates a cumulative value such as a paid insurance premium or a dividend based on the set life insurance conditions. Note that, in the present embodiment, these processing modules 11 to 20 are Java
And recorded as a class file.

The user database 21 is a database in which users of the free life insurance design service system 1 are registered, and stores authentication data such as an ID and a password for each user. When a new user uses the life insurance free design service system 1, new user data is registered. Also, when a registered user uses the data, the user can identify and authenticate the user so that the stored data of the user previously stored in the storage database can be read and used. Become.

The storage database 22 is a database that stores the results of using the free life insurance design service system 1 for each user, that is, information on the designed life insurance and the like.

The surrender database 23 is a database in which surrender value data for each insurance and each condition is stored, and is referred to when the surrender value calculating module 16 calculates the surrender value.

Network 30 is any communication network, and in this embodiment, the Internet.

The user client device 40 is an arbitrary node device having a Web browsing function and a function of executing an arbitrary downloaded processing module, for example, a personal computer or the like. The user accesses the web server 10 from the user client device 40 via the network 30 and receives a desired service.

Next, the flow of processing of the life insurance free design service system 1 will be described with reference to FIGS. FIG. 3 is a diagram showing a flow of processing in which a general user himself / herself designs life insurance and obtains information on life insurance using the life insurance free design service system 1. First,
A user (customer) who designs order-made life insurance and obtains information about life insurance logs in to a homepage provided by the web server 10 via the network 30 from the user client device 40 such as a personal computer. At this time, the user who accesses the web server 10 for the first time registers his / her ID and password. In addition, a user who has already used the life insurance free design service inputs an already registered ID and password.

The web control module 11 of the web server 10 logged in from the user client device 40
Starts the database management module 12 and accepts the ID and password input by the user. Then, an authentication process is performed on the already registered user based on the password, and when authentication is properly performed, access permission to the previously stored data is given.
In the case of a new user, after performing a predetermined check, the ID and the password are stored in the user database 21.

After performing the user confirmation process in this way, the web control module 11 sends the insurance premium calculation module 13, the handling regulation module 14, and the data storage call module 15 to the user client device 40. In the user client device 40, these processing modules are appropriately executed. In particular,
First, the insurance premium calculation module 13 is executed, and a design input screen as shown in FIG. 4 is displayed. As shown in the figure, the design input screen includes items for inputting a policyholder name, an insured person name, a spouse name, and a date of birth and a gender of the insured person and spouse. In the middle, there is a table to enter the settings for each insurance, insurance classification (main contract or special contract), insurance type, payment method (monthly payment, annual payment, lump sum payment, etc.),
An insurance period, a payment period, an insurance amount, and the like are input.

Therefore, the user inputs each item on the design input screen and sequentially sets desired insurance. In addition,
If the user has previously stored the design data, the data storage calling module 15 accesses the storage database 22 via the database management module 12 of the web server 10, reads out the stored data, and reads the stored data on the design input screen. To be displayed. Therefore, the user may correct this. Then, when necessary items are set, the insurance premium calculation module 13 immediately calculates the insurance premium, displays the insurance premium in the same table, and further displays the initial premium and the total premium in the lower part. In addition, the handling regulation module 14
Examines whether such settings are permissible under the rules, and if they are not permissible, displays that such settings are not possible and accepts such settings. Perform the processing so that it does not occur.

At the top and bottom of the design input screen, a "print" button for outputting the setting content in PDF and a "contract content" for confirming the details of the contract content are displayed.
And various function buttons such as a button of “security graph” for displaying the security content in a graph and a button of “security content” for confirming details of the security content. Therefore, after completing one setting, the user can obtain various information by selecting this button as necessary.

For example, when the user selects the "contract content" button, details of the contract content as shown in FIG. 5 are displayed in a list format. In addition, when the button of “guarantee graph” is selected, the graph drawing module 18 is downloaded from the web server 10 and activated, whereby a graph such as that shown in FIG. 6 is displayed. FIG. 6 is a graph showing the change in the amount of security, and the lower part is a graph showing the change in the insurance premium every year.
In addition, when the button of “security contents” is selected, FIG.
Is displayed in a list format.

In order to obtain information relating to the savings property of life insurance, when the "flat-rate insurance" button is selected,
A screen as shown in FIG. 8 is displayed. In the screen shown in FIG. 8, desired data is displayed by marking necessary items in the lower part of “output items”. Suppose now that the cumulative premium and surrender value have been selected as graph display items, and death insurance and paid insurance have been further selected as table display items. In this case, the web server 10 downloads and starts the various cumulative calculation modules 20, and calculates the cumulative premium to be paid, the death insurance, and the paid insurance.

The user client device 40 requests the web server 10 to calculate a surrender value, and based on the request, the surrender value calculator module 16 of the web server 10 is activated to calculate the surrender value. The result is notified to the user client device 40. Then, based on the calculation result, the cumulative paid premium and the surrender value are
The image is graphed by the graph drawing module 18 and displayed as a graph as shown in the upper part of FIG. In addition, these data and the data of the death insurance and the paid insurance are displayed in a table form by numerical values as shown in the middle part of FIG.

At the bottom of FIG. 8, information relating to the accounting process when a insurance contract is made is also displayed. In this case, it is selected that the accounting process is not performed. However, if the accounting process is selected, the accounting processing module 19 is downloaded from the web server 10 to the user client device 40 and activated. Information on tax treatment for insurance premiums or insurance contracts is displayed.

The user designs the desired life insurance by appropriately changing the set values on the design input screen while referring to the output of such various information. When the design is completed, the contents of the design are printed out or P
What is necessary is just to make it output as a DF file, and to perform the processing of the subsequent contract examination, actual contract, etc. based on this. When outputting as a PDF file, the user client device 40 sends the design contents to the PDF creation module 17 of the web server 10, for example.
Instruct to output as DF file, and generate P
Receive DF file transfer. When a print output is to be obtained, the graph drawing module 1
8. The accounting processing module 19 and the various types of total calculation modules 20 are activated to output, for example, a chart equivalent to that shown in FIG. 8 and generate a PDF file. And
The user client device 40 downloads a PDF file from the web server 10 and uses, for example, Adobe Acrobat
A tool such as bat Reader (Acrobat is a registered trademark of Adobe Systems, Inc.) is activated to display a preview on a client screen or directly obtain a printout.

As described above, in the life insurance free design service system 1 of the present embodiment, the web server 10 is accessed from the user client device 40 such as a personal computer at home via the network 30. Thus, anyone can design a life insurance by his / her own operation. That is,
You can consider life insurance at your own pace, without being shy to or at the salesperson's pace. As a result, the user can purchase the life insurance service in a more satisfactory form. Also, for life insurance companies, users can design and deepen their understanding of life insurance without any hassle of workers, so it is possible to process the subsequent contract very efficiently. it can.

The operation of the life insurance design by the user is very simple, similar to the operation of a normal homepage, so that anyone can easily operate it. Further, in the life insurance free design service system 1 of the present embodiment, processing required for this system, such as processing of insurance premium calculation, processing of checking of handling rules, processing of calculation of surrender value, processing of various types of cumulative calculation, etc. Various processes are appropriately distributed and executed between the web server 10 and the user client device 40 according to the complexity of the processes. As a result, even if many people access the web server 10, the processing can be performed at a high speed, and the processing efficiency is high and the operability is good.

The present invention is not limited to the present embodiment, and various modifications are possible. First, in the above description, the flow of processing and the effects thereof are shown assuming that each customer who is a life insurance participation examiner directly uses the life insurance free design service system 1 of the present embodiment. However, users of this system are not limited to customers. For example, a salesperson of an insurance company may use it as a sales support system.

In such a case, the sales clerk immediately calls the user client device 4 in front of the customer who introduces the insurance product.
The user operates the personal computer to access the web server 10 via the network 30 and performs the above-described processes. In other words, input each condition of the customer, immediately design insurance based on the condition of the customer,
Present information to the customer, such as design contract details and security details.
Then, while checking the output screen with the customer, further explanation and explanation of the contents are performed. By using the life insurance free design service system 1 of the present embodiment as described above, the salesperson can immediately design and present insurance based on the customer's conditions immediately before the customer. Also,
Explain insurance more concretely and easily than in the case where conventional explanation of insurance was given or the explanation of insurance was presented by presenting only model cases close to the conditions of the customer. be able to.

Further, as described above, the processing relating to the present system is executed by using the function provided on the browser by accessing the server from the terminal device via the Internet. Therefore, the terminal device used by each sales representative only needs to have a function of accessing the web server 10 and browsing the web page, and does not need to have any special function or software. Therefore, for example, in the case where software is upgraded or data is updated, it is not necessary to deal with each terminal device of each sales representative, and the software and data on the server may be changed. Therefore, maintenance of software or data becomes remarkably easy as compared with the case where each salesperson uses dedicated hardware. Each salesperson can always use the latest version of the environment.

If there is a general-purpose personal computer or the like that can be connected to a network at the place where the explanation is given, the personal computer can be used to use the life insurance free design service system 1.
Therefore, in some cases, it is not necessary for the salesperson to carry the terminal device, and the sales activity can be performed efficiently. It is also effective when the product is to be explained in a hurry. In addition, since dedicated software is not required, for example, when an agent handling products of multiple insurance companies uses the same system of multiple insurance companies, system failure due to software competition etc. Can be avoided and can be used more easily.

The design service of the present invention is not limited to life insurance, but can be applied to any insurance design service having similar characteristics. For example,
Some property and casualty insurance, such as fire insurance for business operators, require complicated conditions to be set as in the case of the life insurance described in this embodiment, and such insurance is designed as in this embodiment. It is very effective if the service is implemented, and the present invention may be applied to such insurance.

Also, setting items related to the design of life insurance,
Output items to be referenced, items to be graphed, and the like are not limited to the present embodiment, and may be set arbitrarily. For example, a reference may be made to the past medical history of the insured person, and the calculation of the insurance premium and the possibility of insurance participation may be detected based on this. At that time, the medical history data may be input from a design input screen or the like, or may be configured to automatically refer to some medical history database device 50 and take in information, as shown in FIG. .
Furthermore, the medical history database device 50 may be provided from a hospital or the like, or may be a device that is kept secret from even a policyholder owned by an insurance company or the like in the first place. In such a case, there is no need to notify the user of the contents of the medical history database device 50, and it is sufficient to use the data as reference data for designing life insurance. With such a configuration, the information obtained by the present system becomes more reliable information with little change even in the contract stage.

Further, a comparison result of the designed insurance with the insurance of another insurance company may be output. In that case, as shown in FIG. 9, for example, a comparison processing module 25 for comparing the contents of the designed life insurance with information provided by the web server 10c of another insurance company is provided in the web server 10b. Alternatively, the comparative research organization 60 may be provided as a third party organization different from the web server 10b and the web server 10c.

Further, in the life insurance free design service system 1 of the present embodiment, the processing is performed until the user designs the life insurance and obtains various information related to the insurance. No action was taken to fulfill the subsequent contract. However, the system may be such that a life insurance contract is concluded as it is based on the designed information and the obtained information.

The “salesperson” used in the above-described embodiment is not limited to an employee who is exclusive to the insurance company. Includes a wide range of people who solicit, sell, or recruit insurance products, such as sales clerks at agents who handle products from multiple insurance companies. The employment relationship is not limited at all.

In addition, screen output form, graph form,
The detailed configuration of the web server 10 and the user client device 40 may be any configuration. In the present embodiment, the network 30 to which the web server 10 and the user client device 40 are connected is not limited to the Internet, but may be any network.

[0055]

As described above, according to the present invention, there is provided an insurance design service providing system, an apparatus and a method thereof, which can easily obtain various information relating to insurance such as life insurance corresponding to each individual. can do. More specifically, when used by general users, it is possible to easily obtain information on insurance corresponding to each individual by simple processing at any time without directly meeting with a sales representative, When a salesperson uses the system, it provides an insurance design service providing system that can easily obtain insurance information corresponding to each customer anytime and anywhere with easy maintenance without using any dedicated hardware. The apparatus and the method can be provided.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining a configuration and an operating environment of a life insurance free design service system according to an embodiment of the present invention.

FIG. 2 is a block diagram showing a configuration of a web server of the free life insurance design service system shown in FIG. 1;

FIG. 3 is a diagram showing a flow of a process in which a user designs life insurance by himself and obtains information on life insurance by using a life insurance free design service system.

FIG. 4 is a diagram showing a design input screen in the user client device of the life insurance free design service system shown in FIG. 1;

FIG. 5 is a diagram showing a contract content display screen in the user client device of the life insurance free design service system shown in FIG. 1;

FIG. 6 is a diagram showing a security graph display screen in the user client device of the life insurance free design service system shown in FIG. 1;

FIG. 7 is a diagram showing a guarantee content display screen in the user client device of the life insurance free design service system shown in FIG. 1;

FIG. 8 is a view showing a fixed-amount insurance display screen on the user client device of the life insurance free design service system shown in FIG. 1;

FIG. 9 is a diagram for explaining a modification of the life insurance free design service system shown in FIG. 1;

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Life insurance free design service system 10 ... Web server 11 Web control module 12 Database management module 13 Insurance calculation module 1
4 ... handling regulation module, 15 ... data storage and recall module, 16 ... surrender value calculation module, 17 ... PDF
Creation module, 18 ... Graph drawing module, 19 ...
Accounting processing module, 20 ... various total calculation modules 2
0, 21: user database, 22: storage database, 23: answer database, 24: class file,
25: comparison processing module, 130: network, 4
0: user client device, 50: medical history database device, 60: comparative research organization

 ────────────────────────────────────────────────── ─── Continuing on the front page (72) Noriko Yoshino, Inventor 1-1-1, Minami-Aoyama, Minato-ku, Tokyo Sony Life Insurance Company F-term (reference) 5B055 BB12 EE04 EE27 5E501 AA02 AB15 AC15 AC25 AC34 AC36 CA02 CB02 DA02 EA02 EB05 FA05 FA13 FA14

Claims (17)

[Claims] 1. An arbitrary communication network, a plurality of nodes connected to the communication network, and predetermined conditions relating to a predetermined insurance design are input from any of the nodes connected to the communication network. In this case, an insurance design service providing system comprising: a server device that generates information relating to an insurance product that meets the condition and transmits the generated information to the node that has input the predetermined information. 2. The server device transmits a processing module for executing a process for generating the information to the node device as needed, and causes the node device to execute the processing module. 2. The insurance design service providing system according to claim 1, wherein the information is generated and transmitted to the node. 3. The server device checks whether or not the insurance product conforms to a prescribed rule, calculates insurance premiums, and extracts security contents for the insurance product based on the input conditions. , Calculation of surrender value, detection of accounting information, and comparison with other insurance products,
3. The insurance design service providing system according to claim 2, wherein a plurality of or all of the processes are performed, information of a result of the process is generated, and the generated information is transmitted to the node. 4. The server device transmits a graph drawing module for displaying information of a result of each of the processes in a graph to the node as necessary, and causes the node to execute the graph drawing module. 3. The insurance design service providing system according to claim 2, wherein information on a result of the processing is displayed in a graph. 5. The insurance is life insurance, and one of the plurality of nodes inputs predetermined conditions related to the design of life insurance to the server device. The insurance design service providing system according to claim 2, wherein information relating to a life insurance product that meets the conditions is generated and transmitted to the node. 6. The predetermined conditions relating to the design of the life insurance include the age of the insured, the sex of the insured, the family structure of the insured, the medical history of the insured, the classification of insurance, the type of insurance, The insurance design service providing system according to claim 5, wherein the insurance design service provision condition is a condition including one, a plurality, or all of the contents of insurance including a method of paying an insurance premium, an insurance period, an insurance payment period, and an insurance amount. 7. A server device connected to an arbitrary communication network to which a plurality of nodes are connected, wherein a predetermined condition relating to a predetermined insurance design is obtained from any of the nodes connected to the communication network. An insurance comprising: receiving means for receiving; information generating means for generating information on an insurance product meeting the received condition; and transmitting means for transmitting the generated information to the node that has input the predetermined information. Design service providing equipment. 8. The transmission unit according to claim 1, wherein said transmission module is a processing module related to insurance design, said processing module generating insurance specification information based on the information generated by said information generation unit. The insurance design service providing apparatus according to claim 7, wherein the insurance specification service is transmitted to the input node to generate the insurance specification information on the node. 9. The information generating means, for an insurance product based on the input conditions, checks whether or not the insurance product conforms to a prescribed rule, calculates an insurance premium, and checks security contents. One of extraction, calculation of surrender value, detection of information related to accounting, and comparison with other insurance products
9. The insurance design service providing apparatus according to claim 8, wherein the apparatus performs a plurality or all of the processes and generates information of a result of the processes. 10. The transmitting means transmits a graph drawing module for displaying information of a result of each process as a graph to the node as needed, and displays information of a result of the process on the node as a graph. The insurance design service providing apparatus according to claim 9. 11. The insurance design service providing apparatus according to claim 8, further comprising database means for storing predetermined conditions relating to predetermined insurance design inputted from said node. 12. The insurance is a life insurance, wherein the receiving means receives a predetermined condition relating to the design of life insurance from the node, and the information generating means is a life insurance which conforms to the received condition. 12. The insurance design service providing apparatus according to claim 11, wherein the apparatus generates information relating to a product. 13. The predetermined conditions related to the design of the life insurance include the age of the insured, the sex of the insured, the family structure of the insured, the medical history of the insured, the classification of insurance, the type of insurance, 13. The insurance design service providing device according to claim 12, wherein the insurance design service providing condition is a condition including one, a plurality, or all of the insurance contents including the insurance premium payment method, the insurance period, the insurance payment period, and the insurance amount. 14. A server device for generating information relating to insurance products that meet said conditions based on predetermined conditions relating to a predetermined insurance design that is inputted, is provided on a web in a communication network to which a plurality of nodes are connected. Connected as a site, if any of the nodes has accessed the website, send an input processing module for inputting the condition to the node, and the condition is transmitted via the input processing module. A method for providing an insurance design service, wherein, when input, the desired information relating to a life insurance product meeting the condition is generated, and the generated information is output at a node where the condition is input. 15. When an arbitrary node accesses the web site, the server device transmits a predetermined processing module relating to the insurance design to the node, and Generating specific information related to a life insurance product that meets the conditions described above, transmitting the generated information to the node, and executing the processing module based on the transmitted information at the node, thereby executing insurance processing. The insurance design service providing method according to claim 14, wherein the specification information is generated. 16. The insurance is a life insurance, and the desired information relating to an insurance product that meets the above-mentioned conditions includes information on whether the life insurance product meets a prescribed rule, and information on insurance premiums. One of information, information on security contents, information on surrender value, information on accounting, and information on the result of comparison of at least one of the above items with other life insurance products; 16. The insurance design service providing method according to claim 15, wherein the information is information including a plurality or all of the information. 17. The insurance is a life insurance, and the predetermined conditions relating to the design of the insurance include: age of the insured, sex of the insured, family structure of the insured, medical history of the insured, 16. The condition according to claim 15, wherein the condition includes any one, a plurality, or all of the types of insurance including insurance classification, insurance type, insurance premium payment method, insurance period, insurance payment period, and insurance amount. How to provide insurance design services.