[별표1] 표준해약환급금 예시 (고시 시행후 체결된 계약에 적용)

납입회차	월회비	관리비 비율	모집수당 비율
120개월	30,000	5%	10%

회차	납입금 누계	관리비 누계	모집수당 공제액	해약환급금	환급률
1	30,000	1,500	270,750	0	0.0%
2	60,000	3,000	271,500	0	0.0%
3	90,000	4,500	272,250	0	0.0%
4	120,000	6,000	273,000	0	0.0%
5	150,000	7,500	273,750	0	0.0%
6	180,000	9,000	274,500	0	0.0%
7	210,000	10,500	275,250	0	0.0%
8	240,000	12,000	276,000	0	0.0%
9	270,000	13,500	276,750	0	0.0%
10	300,000	15,000	277,500	7,500	2.5%
11	330,000	16,500	278,250	35,250	10.7%
12	360,000	18,000	279,000	63,000	17.5%
13	390,000	19,500	279,750	90,750	23.3%
14	420,000	21,000	280,500	118,500	28.2%
15	450,000	22,500	281,250	146,250	32.5%
16	480,000	24,000	282,000	174,000	36.3%
17	510,000	25,500	282,750	201,750	39.6%
18	540,000	27,000	283,500	229,500	42.5%
19	570,000	28,500	284,250	257,250	45.1%
20	600,000	30,000	285,000	285,000	47.5%
21	630,000	31,500	285,750	312,750	49.6%
22	660,000	33,000	286,500	340,500	51.6%
23	690,000	34,500	287,250	368,250	53.4%
24	720,000	36,000	288,000	396,000	55.0%
25	750,000	37,500	288,750	423,750	56.5%
26	780,000	39,000	289,500	451,500	57.9%
27	810,000	40,500	290,250	479,250	59.2%
28	840,000	42,000	291,000	507,000	60.4%
29	870,000	43,500	291,750	534,750	61.5%
30	900,000	45,000	292,500	562,500	62.5%
31	930,000	46,500	293,250	590,250	63.5%
32	960,000	48,000	294,000	618,000	64.4%
33	990,000	49,500	294,750	645,750	65.2%
34	1,020,000	51,000	295,500	673,500	66.0%
35	1,050,000	52,500	296,250	701,250	66.8%
36	1,080,000	54,000	297,000	729,000	67.5%
37	1,110,000	55,500	297,750	756,750	68.2%
38	1,140,000	57,000	298,500	784,500	68.8%
39	1,170,000	58,500	299,250	812,250	69.4%
40	1,200,000	60,000	300,000	840,000	70.0%
41	1,230,000	61,500	300,750	867,750	70.5%
42	1,260,000	63,000	301,500	895,500	71.1%
43	1,290,000	64,500	302,250	923,250	71.6%
44	1,320,000	66,000	303,000	951,000	72.0%
45	1,350,000	67,500	303,750	978,750	72.5%
46	1,380,000	69,000	304,500	1,006,500	72.9%
47	1,410,000	70,500	305,250	1,034,250	73.4%
48	1,440,000	72,000	306,000	1,062,000	73.8%
49	1,470,000	73,500	306,750	1,089,750	74.1%
50	1,500,000	75,000	307,500	1,117,500	74.5%
51	1,530,000	76,500	308,250	1,145,250	74.9%
52	1,560,000	78,000	309,000	1,173,000	75.2%
53	1,590,000	79,500	309,750	1,200,750	75.5%
54	1,620,000	81,000	310,500	1,228,500	75.8%
55	1,650,000	82,500	311,250	1,256,250	76.1%
56	1,680,000	84,000	312,000	1,284,000	76.4%
57	1,710,000	85,500	312,750	1,311,750	76.7%
58	1,740,000	87,000	313,500	1,339,500	77.0%
59	1,770,000	88,500	314,250	1,367,250	77.2%
60	1,800,000	90,000	315,000	1,395,000	77.5%
61	1,830,000	91,500	315,750	1,422,750	77.7%
62	1,860,000	93,000	316,500	1,450,500	78.0%
63	1,890,000	94,500	317,250	1,478,250	78.2%
64	1,920,000	96,000	318,000	1,506,000	78.4%
65	1,950,000	97,500	318,750	1,533,750	78.7%
66	1,980,000	99,000	319,500	1,561,500	78.9%
67	2,010,000	100,500	320,250	1,589,250	79.1%
68	2,040,000	102,000	321,000	1,617,000	79.3%
69	2,070,000	103,500	321,750	1,644,750	79.5%
70	2,100,000	105,000	322,500	1,672,500	79.6%
71	2,130,000	106,500	323,250	1,700,250	79.8%
72	2,160,000	108,000	324,000	1,728,000	80.0%
73	2,190,000	109,500	324,750	1,755,750	80.2%
74	2,220,000	111,000	325,500	1,783,500	80.3%
75	2,250,000	112,500	326,250	1,811,250	80.5%
76	2,280,000	114,000	327,000	1,839,000	80.7%
77	2,310,000	115,500	327,750	1,866,750	80.8%
78	2,340,000	117,000	328,500	1,894,500	81.0%
79	2,370,000	118,500	329,250	1,922,250	81.1%
80	2,400,000	120,000	330,000	1,950,000	81.3%
81	2,430,000	121,500	330,750	1,977,750	81.4%
82	2,460,000	123,000	331,500	2,005,500	81.5%
83	2,490,000	124,500	332,250	2,033,250	81.7%
84	2,520,000	126,000	333,000	2,061,000	81.8%
85	2,550,000	127,500	333,750	2,088,750	81.9%
86	2,580,000	129,000	334,500	2,116,500	82.0%
87	2,610,000	130,500	335,250	2,144,250	82.2%
88	2,640,000	132,000	336,000	2,172,000	82.3%
89	2,670,000	133,500	336,750	2,199,750	82.4%
90	2,700,000	135,000	337,500	2,227,500	82.5%
91	2,730,000	136,500	338,250	2,255,250	82.6%
92	2,760,000	138,000	339,000	2,283,000	82.7%
93	2,790,000	139,500	339,750	2,310,750	82.8%
94	2,820,000	141,000	340,500	2,338,500	82.9%
95	2,850,000	142,500	341,250	2,366,250	83.0%
96	2,880,000	144,000	342,000	2,394,000	83.1%
97	2,910,000	145,500	342,750	2,421,750	83.2%
98	2,940,000	147,000	343,500	2,449,500	83.3%
99	2,970,000	148,500	344,250	2,477,250	83.4%
100	3,000,000	150,000	345,000	2,505,000	83.5%
101	3,030,000	151,500	345,750	2,532,750	83.6%
102	3,060,000	153,000	346,500	2,560,500	83.7%
103	3,090,000	154,500	347,250	2,588,250	83.8%
104	3,120,000	156,000	348,000	2,616,000	83.8%
105	3,150,000	157,500	348,750	2,643,750	83.9%
106	3,180,000	159,000	349,500	2,671,500	84.0%
107	3,210,000	160,500	350,250	2,699,250	84.1%
108	3,240,000	162,000	351,000	2,727,000	84.2%
109	3,270,000	163,500	351,750	2,754,750	84.2%
110	3,300,000	165,000	352,500	2,782,500	84.3%
111	3,330,000	166,500	353,250	2,810,250	84.4%
112	3,360,000	168,000	354,000	2,838,000	84.5%
113	3,390,000	169,500	354,750	2,865,750	84.5%
114	3,420,000	171,000	355,500	2,893,500	84.6%
115	3,450,000	172,500	356,250	2,921,250	84.7%
116	3,480,000	174,000	357,000	2,949,000	84.7%
117	3,510,000	175,500	357,750	2,976,750	84.8%
118	3,540,000	177,000	358,500	3,004,500	84.9%
119	3,570,000	178,500	359,250	3,032,250	84.9%
120	3,600,000	180,000	360,000	3,060,000	85.0%