Sources#

Source ids [S#]/[R#] are carried verbatim from _research/term-life.md (the citation ground truth for this product) and are frozen — never renumber. Unused sources are omitted, so the R-numbering has gaps: R6 and R8 are not cited, because the cross-product reference library carries the same two documents as REG-R15 and REG-R45 with fuller annotations. Every S# entry is cited, including [S11], which is listed precisely because it could not be read. Access date for all sources: 2026-08-20. No sources were newly added at drafting. Cross-product [REG-R#] tags are listed in their own section at the end.

Company and branded product names appear in this file and in _research/term-life.md and nowhere else in the library. In product-spec.md and technical-notes.md a carrier is its tag alone, so a reader can always resolve who said what — here — and never has to.

Primary product sources#

Nine carriers, fourteen documents. Five are full 約款 (yakkan, policy conditions) or booklets containing them [S1] [S4] [S6] [S7] [S8]; one is a 約款 extract that could not be text-extracted [S11]; one is a product brochure [S12]; and seven are consumer or specification pages [S2] [S3] [S5] [S9] [S10] [S13] [S14]. Four documents carry a published premium scale — two a full sex × age × sum-assured grid [S2] [S9], one a sex × age table per ¥1,000,000 of cover, before and after a repricing [S10], and one a sex × age table at a single sum assured [S12] — with a fifth publishing single worked examples [S5]. That is the single largest documentary difference from uklib, where no premium basis is observable at all.

S1 — オリックス生命保険株式会社, 「無配当 無解約払戻金型定期保険（インターネット申込専用） ご契約のしおり／約款」 (policy booklet and conditions)#

  • Publisher: オリックス生命保険株式会社

  • Document: ご契約のしおり／約款 for ネット専用定期保険Bridge［ブリッジ］, 2015年10月版, form mark 30ＫＩ07; 117 PDF pages (しおり 1–56, then 約款 renumbered 1–58)

  • Doc type: ご契約のしおり・約款

  • URL: https://www.orixlife.co.jp/life/bridge/pdf/yakkan_br_20151002.pdf

  • Accessed: 2026-08-20. Retrieved: YES (3.88 MB PDF; pdftotext recovered all 約款 article text and most しおり body text. Display-typeset cover and diagram pages use a subset font poppler could not map and extracted as mojibake; no fact cited to [S1] rests on them.)

  • The most complete document in the set — 約款 articles 1–40, the リビング・ニーズ特約条項, 別表3 and 別表4 — and the source of the composite’s benefit, exclusion, grace, reinstatement and renewal mechanics.

S2 — オリックス生命保険株式会社, ネット専用定期保険Bridge 商品ページ (consumer page with a published rate card)#

  • Publisher: オリックス生命保険株式会社

  • Document: 商品ページ with a 月払保険料例 grid, rates as at 2025-07-01

  • Doc type: 商品ページ (consumer)

  • URL: https://www.orixlife.co.jp/life/bridge/

  • Accessed: 2026-08-20. Retrieved: YES (fetched twice — once through a summarising fetcher, once raw with curl and grepped, to verify the figures character-for-character)

  • Supplies the anchor premium and the policy-fee decomposition.

S3 — オリックス生命保険株式会社, ネット専用定期保険Bridge 商品詳細ページ (product specification page)#

  • Publisher: オリックス生命保険株式会社

  • Doc type: 商品詳細 (product specification page)

  • URL: https://www.orixlife.co.jp/life/bridge/detail.html

  • Accessed: 2026-08-20. Retrieved: YES

S4 — ライフネット生命保険株式会社, 「定期死亡保険（無配当・無解約返戻金型） ご契約のしおり・約款」 (policy booklet and conditions)#

  • Publisher: ライフネット生命保険株式会社

  • Document: ご契約のしおり・約款, 2026年6月版, form mark LN_BB_GAP-25; 45 PDF pages

  • Doc type: ご契約のしおり・約款

  • URL: https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_yakkan_teiki_latest.pdf (linked from https://www.lifenet-seimei.co.jp/policy/yakkan/)

  • Accessed: 2026-08-20. Retrieved: YES (758 KB PDF, text extracted cleanly and read; only the しくみ図 diagram is glyph-garbled)

  • The only document publishing a 無解約返戻金型 versus 解約返戻金あり premium and value comparison, and the only one stating in terms that 復活 is not offered.

S5 — ライフネット生命保険株式会社, 定期死亡保険 商品ページ (consumer page with published premium examples)#

  • Publisher: ライフネット生命保険株式会社

  • Doc type: 商品ページ (consumer)

  • URL: https://www.lifenet-seimei.co.jp/product/life/

  • Accessed: 2026-08-20. Retrieved: YES

S6 — ライフネット生命保険株式会社, 「かぞくへの保険 定期死亡保険（無配当・無解約返戻金型）普通保険約款」 (superseded policy conditions, 2009年12月版)#

  • Publisher: ライフネット生命保険株式会社

  • Document: 普通保険約款 only, 2009年12月; 21 numbered pages P-1…P-21

  • Doc type: 普通保険約款 (superseded edition, retained on the publisher’s site)

  • URL: https://www.lifenet-seimei.co.jp/shared/pdf/LIFENET_policy_200912_001.pdf

  • Accessed: 2026-08-20. Retrieved: YES (304 KB PDF, text extracted and read)

  • Cited for one point: its 第1条 already states that 満期保険金, 配当 and 解約返戻金 are all absent, so the no-surrender-value design is long-standing rather than a recent artefact.

S7 — 日本生命保険相互会社, 「ニッセイみらいのカタチ ご契約のしおり－定款・約款」 (policy booklet, articles and conditions)#

  • Publisher: 日本生命保険相互会社

  • Document: ご契約のしおり－定款・約款, 2026年4月改訂, しおり番号 ２０２６０４Ａ; 182 PDF pages (file 01.pdf of the booklet set)

  • Doc type: ご契約のしおり・定款・約款

  • URL: https://www.nissay.co.jp/kojin/shohin/seiho/mirainokatachi/shiori/01.pdf

  • Accessed: 2026-08-20. Retrieved: YES, PARTIAL (12.3 MB PDF; running text extracts cleanly with both pdftotext and pypdf, but a substantial minority of display-typeset pages, including many diagram captions, are glyph-garbled in both. Facts cited to [S7] come only from passages that extracted as clean Japanese.)

  • The only 有配当 product in the set, the only 全期型／更新型 taxonomy stated by name, the only carrier that both shortens and lengthens a term at the renewal ceiling, and the document that states this product has no 自動振替貸付制度.

S8 — アクサ生命保険株式会社, 「定期保険（無解約返戻金型） 重要事項説明書／ご契約のしおり／約款」 (pre-contract disclosure, booklet and conditions)#

  • Publisher: アクサ生命保険株式会社 (sold as アクサダイレクトの定期保険2; the booklet names アクサ生命 as 引受保険会社)

  • Document: 重要事項説明書（契約概要・注意喚起情報）plus ご契約のしおり plus 約款; 84 PDF pages

  • Doc type: 重要事項説明書／ご契約のしおり／約款

  • URL: https://www.axa-direct-life.co.jp/pdf/yakkan_l.pdf

  • Accessed: 2026-08-20. Retrieved: YES (2.25 MB PDF, text extracted and read; only the cover and two しくみ図 are glyph-garbled)

  • The narrowest envelope in the set, and the carrier that states the renewal-ceiling truncation band numerically.

S9 — チューリッヒ生命保険株式会社, 定期保険プラチナ 商品ページ (consumer page with published rate cards)#

  • Publisher: チューリッヒ生命保険株式会社

  • Document: 商品ページ with four 月払保険料 tables, rates as at 2026年7月

  • Doc type: 商品ページ (consumer)

  • URL: https://www.zurichlife.co.jp/product/category_shibou/teikihoken

  • Accessed: 2026-08-20. Retrieved: YES (fetched raw with curl and grepped. A summarising fetcher returned 2,512円/3,968円/7,888円 where the page says 628円/992円/1,972円 — which is why every numeric table in the research file was verified against raw HTML or extracted PDF text.)

  • Publishes grids for both a 10年更新 and a 90歳満了 design, so the price of renewal risk can be read off published figures.

S10 — 株式会社かんぽ生命保険, 定期保険「新普通定期保険」商品ページ (consumer page with a published rate card)#

  • Publisher: 株式会社かんぽ生命保険

  • Document: 商品ページ, page mark Ⅱ W 2026.05 14036, rates before and after the 2026-05-02 repricing

  • Doc type: 商品ページ (consumer)

  • URL: https://www.jp-life.japanpost.jp/products/teiki/index.html

  • Accessed: 2026-08-20. Retrieved: YES (fetched raw with curl and grepped)

  • The public-sector writer: an order of magnitude below the private ceiling on sum assured, and the only rate card disclosing base and rider components separately.

S11 — 株式会社かんぽ生命保険, 「普通定期保険（新普通定期保険） ご契約のしおり・約款」抜粋 (policy conditions extract, 2021年4月版)#

  • Publisher: 株式会社かんぽ生命保険

  • Document: the 定期保険 chapter of the ご契約のしおり・約款, 2021年4月版

  • Doc type: ご契約のしおり・約款 (extract)

  • URL: https://www.jp-life.japanpost.jp/products/clause/pdf/teiki/202104/tik06.pdf

  • Accessed: 2026-08-20. Retrieved: NO (567 KB PDF downloaded successfully — HTTP 200 — but both pdftotext -enc UTF-8 and pypdf returned mojibake for almost all body glyphs and dropped every numeral. Two short fragments survived and are reported as unverified.)

  • Listed rather than dropped because the absence is a documented limit: this carrier’s 猶予期間, 復活, 免責事由 and 更新 clauses are missing from the comparison.

S12 — FWD生命保険株式会社, 「FWD定期／FWD優良体定期」パンフレット (product brochure)#

  • Publisher: FWD生命保険株式会社

  • Document: brochure covering FWD定期 and FWD優良体定期

  • Doc type: 商品パンフレット

  • URL: https://www.fwdlife.co.jp/files/v3/assets/blt52d7347d77fa3188/blt37f9884b94b1358b/64cb39878403820965f252d5/teikihoken.pdf

  • Accessed: 2026-08-20. Retrieved: YES (4.27 MB PDF, text extracted and read)

  • The exception that stops the composite assuming a Japanese term policy has no cash value: the only product in the set with a 解約返戻金 and a 払済保険 conversion. Also publishes a three-tier rate class with its discount percentages and full underwriting criteria.

S13 — メットライフ生命保険株式会社, スーパー割引定期保険 商品ページ (consumer product page)#

  • Publisher: メットライフ生命保険株式会社

  • Doc type: 商品ページ (consumer)

  • URL: https://www.metlife.co.jp/products/life/sslt/

  • Accessed: 2026-08-20. Retrieved: YES (fetched raw with curl and grepped. The numeric rate-class criteria and the premium comparison chart live inside SVG images and were not recoverable as text, so only the headline discount is usable as a number.)

  • The four-tier risk-segmented design, the class fixed at issue and carried unchanged through every renewal, and the carrier’s statement that applying a risk-segmented rate is why there is no 解約返戻金.

S14 — 大同生命保険株式会社, 「定期保険 Dタイプ（保険料逓減型）」個人向け 商品ページ (product specification page)#

  • Publisher: 大同生命保険株式会社

  • Document: 商品ページ, page mark H-2026-0004①（2026年5月27日）, content as at 2026年6月

  • Doc type: 商品ページ (product specification)

  • URL: https://www.daido-life.co.jp/join/c_kojin/lineup/muhaid_teigen/

  • Accessed: 2026-08-20. Retrieved: YES (fetched raw with curl and grepped)

  • The 逓減定期保険 comparison point: the only retrieved document stating a decreasing-cover mechanism as a formula, and the only one in which the premium decreases with the cover.

Regulatory and actuarial references#

R1 — e-Gov 法令検索 (デジタル庁), 保険業法 第3条（生命保険業免許と第一分野の定義）#

  • Publisher: e-Gov 法令検索 — 保険業法, 平成七年法律第百五号

  • Doc type: statute

  • URL (human): https://laws.e-gov.go.jp/law/407AC0000000105 — URL (machine, used): https://laws.e-gov.go.jp/api/1/lawdata/407AC0000000105

  • Accessed: 2026-08-20. Retrieved: YES via the e-Gov API (3.7 MB XML; the human-facing page is a JavaScript single-page app returning only site chrome to plain fetchers)

  • Cited for what the cross-product entry does not carry: the parenthesis in 第3条第4項第1号 bringing 「余命が一定の期間以内であると医師により診断された身体の状態」 inside the first-sector licence — the statutory footing of リビング・ニーズ特約.

R2 — e-Gov 法令検索, 保険業法施行規則 第68条・第69条（標準責任準備金の対象契約と積立方式）#

  • Publisher: e-Gov 法令検索 — 保険業法施行規則, 平成八年大蔵省令第五号

  • Doc type: ministerial ordinance

  • URL (machine, used): https://laws.e-gov.go.jp/api/1/lawdata/408M50000040005

  • Accessed: 2026-08-20. Retrieved: YES via the e-Gov API (30.2 MB XML)

  • Cited for 第69条第4項第2号, which defines the 平準純保険料式 floor in line as levelling the funding across the whole premium-paying period.

R3 — 公益社団法人 日本アクチュアリー会, 「標準生命表2018」公開ページ (institutional page)#

  • Publisher: 公益社団法人 日本アクチュアリー会

  • Doc type: 専門情報ページ

  • URL: https://www.actuaries.jp/lib/standard-life-table/index2018.html

  • Accessed: 2026-08-20. Retrieved: YES

  • The Institute’s own account of its 指定法人 status under 保険業法第122条の2第1項 and of the 2018 revision’s timetable, applying from 2018年4月.

R4 — 公益社団法人 日本アクチュアリー会, 「標準生命表２０１８」 (mortality tables)#

  • Publisher: 公益社団法人 日本アクチュアリー会

  • Document: 標準生命表２０１８, 5 PDF pages; four tables — 生保標準生命表２０１８（死亡保険用） 男 and 女, 第三分野標準生命表２０１８ 男 and 女 — each with lx, dx, qx and e°x by single year of age from 0, radix 100,000

  • Doc type: mortality table (statutory valuation basis)

  • URL: https://www.actuaries.jp/lib/standard-life-table/pdf/seimeihyo2018.pdf

  • Accessed: 2026-08-20. Retrieved: YES (236 KB PDF, text extracted, qx parsed positionally by age and spot-checked against the printed age labels)

  • Cited for the individual 死亡保険用 qx values quoted in the product documents. The terminal age was not confirmed in this pass — the extraction ran to qx ≈ 0.69 (male) without reaching 1.00000 — so terminal ages are cited to REG-R18, where they were read.

R5 — 金融庁, 平成8年大蔵省告示第48号（標準責任準備金の係数）改正案の公表#

  • Publisher: 金融庁

  • Document: 「…（平成８年大蔵省告示第48号）等の一部を改正する件（案）」の公表について, 平成28年4月27日

  • Doc type: パブリックコメント公表ページ (three 別紙 PDFs, not opened)

  • URL: https://www.fsa.go.jp/news/27/hoken/20160427-2.html

  • Accessed: 2026-08-20. Retrieved: YES (HTML fetched raw and read)

  • The regulator’s plain-language statement that the 標準利率 derives from an 指標金利 built on JGB yield averages with 安全率係数 applied, and that the 2016 amendment added a coefficient for indicator rates at or below 0%.

R7 — 国税庁, タックスアンサー No.1140「生命保険料控除」#

  • Publisher: 国税庁 (National Tax Agency)

  • Doc type: タックスアンサー (tax authority guidance)

  • URL: https://www.nta.go.jp/taxes/shiraberu/taxanswer/shotoku/1140.htm

  • Accessed: 2026-08-20. Retrieved: YES

  • The post-2012 三区分 and the 所得税 deduction schedules for 新契約 and 旧契約, with the 120,000円 overall cap. The page does not carry the 住民税 schedule; that is cited to [S4].

R9 — 公益財団法人 生命保険文化センター, 「2024（令和6）年度 生命保険に関する全国実態調査＜速報版＞」#

  • Publisher: 公益財団法人 生命保険文化センター, 2024年11月

  • Doc type: household survey (speed-report edition)

  • URL: https://www.jili.or.jp/files/research/zenkokujittai/pdf/r6/2024sokuhou.pdf

  • Accessed: 2026-08-20. Retrieved: YES (2.74 MB PDF, text extracted, summary and 図表Ⅰ-70 read)

  • Distinct from REG-R32, which reads the same survey’s workbooks: the summary means that REG-R32 flags as unverified there — 世帯加入率 89.2%, 世帯普通死亡保険金 1,936万円, 世帯年間払込保険料 35.3万円 — and the product mix of the most recently bought policy were read from this PDF here.

Cross-product references ([REG-R#])#

[REG-R#] tags resolve against references/regulatory-and-actuarial-references.md, whose own R1–R47 numbering is distinct from this file’s and is likewise frozen. Within that page plain [R#] refers to its own entries, so the two schemes must never be read across. Entries cited by the term life documents, all accessed 2026-08-20:

  • REG-R1 — 保険業法 第3条: the 第一分野 / 第三分野 licence split. retrieved: yes.

  • REG-R2 — 保険業法 第4条: the 算出方法書 holding 予定利率, 予定死亡率 and 予定事業費率 is not published — the reason every pricing-basis parameter here is std. retrieved: yes.

  • REG-R4 — 保険業法 第116条: the delegation the 標準責任準備金 chain hangs on. retrieved: yes.

  • REG-R6 — 保険業法 第121条: the 意見書, and behind it the 1号収支分析. retrieved: yes.

  • REG-R7 — 施行規則 第68条: which contracts are standard-reserve contracts. retrieved: yes.

  • REG-R8 — 施行規則 第69条: the four-way reserve taxonomy. retrieved: yes.

  • REG-R10 — 告示第48号: 平準純保険料式, table vintages, 標準利率 reset machinery. retrieved: yes, but from an unofficial consolidated mirror — see the entry.

  • REG-R11 — 告示48号改正 (2017): 標準生命表2018 from 2018-04-01. retrieved: yes.

  • REG-R14 — 監督指針（本編）: 契約締結前交付書面 contents, including the requirement to disclose 払込猶予期間・失効・復活, and IV-1-12 on 自動振替貸付 as an election. retrieved: yes.

  • REG-R15 — ESR の概要: commencement 2026-03-31, the 100% trigger, 現在推計+MOCE, 99.5%. retrieved: yes.

  • REG-R16 — ESR 政策ページ（告示の索引）: the index to the 柱告示. retrieved: yes, but the individual 告示 PDFs were not opened, which is why the standard-model treatment of a no-underwriting auto-renewal — the contract-boundary question — is unverified here.

  • REG-R17 — ソルベンシー・マージン比率: the old 200% threshold. retrieved: no — the 告示 was not located; the entry rests on REG-R14 and REG-R15.

  • REG-R18 — 標準生命表2018 PDF: the freely readable valuation table, verified spot rates and terminal ages. retrieved: yes.

  • REG-R20 — 作成概要: the 2σ margin, the improvement allowance, the 保険年齢 basis, and the fact that the 死亡保険用 table includes 高度障害 in its death rate. retrieved: yes.

  • REG-R21 — IAJ 索引と利用規約: redistribution is restricted, so the library ships a std table citing the IAJ entries rather than a copy. retrieved: yes.

  • REG-R22 — 保険計理人の実務基準: the 1号収支分析, at least ten future years, by segment. retrieved: yes.

  • REG-R31 — 生命保険の動向 2025年版: in-force and new-business mix, and the 5.6% industry 解約・失効率. retrieved: yes.

  • REG-R32 — 全国実態調査 2024年度 workbooks: penetration and premium bands. retrieved: yes.

  • REG-R34 — 保険法 第51条: the statutory suicide exclusion has no time limit, so the three-year 免責期間 is contractual and a per-carrier fact. retrieved: yes.

  • REG-R35 — 保険法 第55条: the five-year contestability ceiling and one-month discovery clock bounding the carriers’ two-year windows. retrieved: yes.

  • REG-R36 — 保険業法 第309条: the eight-day dispatch-rule クーリング・オフ, scoped out here. retrieved: yes.

  • REG-R40 — 生命保険契約者保護機構: 90% of the 責任準備金 on failure. retrieved: yes (Q1 page; the 高予定利率契約 page was not opened).

  • REG-R41 — 保険業法 第270条の3: the statutory delegation setting that rate. retrieved: yes.

  • REG-R43 — 所得税法 第76条: three baskets of ¥40,000 capped at ¥120,000. retrieved: yes.

  • REG-R44 — 相続税法 第12条: ¥5,000,000 × the number of statutory heirs. retrieved: yes.

  • REG-R45 — タックスアンサー No.4114: the administration’s mechanics for that exemption. retrieved: yes.

  • REG-R47 — 金融庁 IFRS 関連情報: IFRS 17 is voluntary in Japan. retrieved: yes.

Provenance note#

Extraction details — which fact came from which document, the per-carrier comparison tables, and the register of fetch failures and unverified claims (the current numeric 標準利率, the 予定利率 of any protection product, whether リビング・ニーズ特約 is free of charge, one carrier’s four rate-class names, the 標準生命表2018 terminal age as parsed in this pass, and the unextractable [S11]) — live in _research/term-life.md, the citation ground truth for the S# and R# numbering used here.

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