金融商品としての海外生命保険

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生命保険もお客様からの預かり資産、すなわち保険料を運用する必要上、金融商品のカテゴリーに区分されます。弊社のご紹介商品の中でも、株券、債券に続いて保険証券として資産価値を有する商品もございます。しかしながら、生命保険はその性質上、金融商品の中でも最も安全に運用されているものの一つであり、他の金融商品とはその性質を異にしています。同じようなカテゴリーのものとしては年金があります。公的年金も民間の年金も同様、資産を運用して将来の支払いに備える運用商品であることは皆様のご存じの通りです。生命保険や年金はその公共的な性質から各国の法律、規制に非常に厳しく縛られた運用となりますが、保険各社の運用方針は多岐に亘ります。例えば、米国本土の保険商品は北米を中心に株式運用への割合が高かったり、カルパースに代表される年金基金などは積極的に海外の企業に投資をしています。また、弊社の取り扱うグローバルな保険会社等は、北米、アジア、欧州の社債をそれぞれ1/３づつ保有したりしています。日本では日本国債にかなり偏った運用をしている為、海外の保険会社の商品とは全く違った様相を見せています。

保険商品はこのような性質から、特に景気の良い時代には他の収益を重視した金融商品に押されてあまり人気がございません。保障としての魅力は十分理解できるが運用商品としては他に利回りの良い商品がたくさんあるので特に貯蓄型の生命保険を購入する意味がないと言うのが大勢の方の意見です。ところが、景気の循環の中で、一旦景気が悪くなると収益性を重視した金融商品のパフォーマンスは極端に下がります。その一方で保険商品と言うのは無理な運用をしていない分、影響は非常に軽微であり、収益性を重視した商品との間でパフォーマンスの逆転が生じるのです。これが俗に言う、”お宝証券”と言われるものです。私どもがポートフォリオの中核をなす商品として生命保険商品をご紹介するのは、将にこの部分なのです。

 

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