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건강보험은 제3보험 특약 보험료 인하가 보여진다. 예를 들어 화상·부식진단, 크론병 진단, 대상포진보장 특약 등의 보험료는 약 50% 하락할 것으로 보인다. 보험료에는 평균수명뿐 아니라 ‘사망률’도 결정적인 변수다. 사망률이 감소하면서 보험료 인하 효과를 느낄 수 있는 상품은 생보사의 ‘종신보험’, 손보사의 ‘상해·사망보험’ 등이 있다. 사망률이 줄면서 일정 시간 내 보험사가
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