Optimal Sequential annuity opening information providing System and Method therefor

摘要

The present invention relates to a system and a method for providing sequential annuity initiation information which sequentially determine annuity initiation times to provide an optimal result without simultaneously designating annuity initiation times in a situation of having a plurality of annuity insurances. The system for providing optimal sequential annuity initiation information comprises: a subscriber information receiving unit, an insurance information collection unit, a refund calculation unit, a total expected annuity amount calculation unit, a final balance calculation unit, and a sequential annuity initiation information generation unit. An objective of the present invention is to calculate a real saving rate for each section and an annuity initiation time refund amount for one or more annuity insurances to which an insurance subscriber subscribes, use the real saving rate for each section and the annuity initiation time refund amount to generate an expected annuity receipt table for each table of each insurance, and generate all sequential combinations of annuity initiations which can be formed by the number of insurances to calculate a final balance and an expected annuity table for each combination to rank the final balance of each combination from the largest amount to the smallest amount to generate sequential annuity initiation information including a sequential annuity initiation time and a final balance of each insurance of a combination of the highest rank to provide the insurance subscriber with the sequential annuity initiation information.