Have you ever heard of "treasure insurance"? There are various theories, but it seems to refer to life insurance contracted between 1985 and 1990 during the so-called "bubble period". At that time, the interest rate level was higher than it is now, and the interest rate to be used for setting insurance premiums was also high, so the insurance premiums were low. In other words, we were able to get insurance at an unprecedentedly low premium. And now that ultra-low interest rates have become commonplace, insurance during the "bubble period" is called "treasure insurance."