Measure a protection gap before replacing cover

A fictional household estimates that a death would create fifty million yen of required family resources. Under this case’s assumptions, ten million yen of available assets and twenty million yen of expected survivor and other resources can be used against that need. The amounts are planning inputs, not promises of public-benefit eligibility. The household has an existing policy and is considering replacement after seeing a lower initial premium. The new insurer has not yet accepted the application. The sales summary omits renewal charges, exclusions, and surrender effects. Separately, a fictional property-loss policy pays the portion of a covered five-hundred-thousand-yen loss above a fifty-thousand-yen deductible, within its limit. The planner must calculate only what the scenario states and review actual coverage and application terms before assuming that advertised savings justify a replacement.