Abstract
Many financier has offered various products for making good a deficiency of public annuity. But present products have some restrictions against entrance ages, a reserve term, and cancel of insurance. More and more customer has a risk not to paid up insurance, if the insurance company go into default before starting receipt annuity. Reverse mortgage for receipt annuity on the cover of customer's immovable property is one of products solving their problems. But Reverse mortgage is not for customers that don't have immovable property. In this thesis, we propose a new product, which provides customer with annuity in life on the cover of his fixed deposit which arise from.
