Mutual aid benefits are to be paid as a lump sum.

①Notwithstanding the preceding Article, the Organization may, at the request of a mutual aid policyholder, pay all or part of the mutual aid benefits by installment payment; provided, however, that this does not apply in any of the following cases:

②Where a mutual aid policyholder intends to receive payment of part of the mutual aid benefits by installment payment, the request under the preceding paragraph must be made by specifying the amount of that part of the mutual aid benefits for which the policyholder intends to receive payment by installment payment (referred to in this Article as the "amount subject to installment payment").

③The payment months for mutual aid benefits paid by installment payment are January, March, May, July, September and November of each year; provided, however, that mutual aid benefits that should have been paid in the previous payment month are to be paid even in a month that is not a payment month.

④The period of payment of mutual aid benefits by installment payment (hereinafter referred to as the "installment payment period") is, at the election of the mutual aid policyholder, either 10 years or 15 years from the first payment month after the request under paragraph (1).

⑤The amount of the mutual aid benefits for each payment month (hereinafter referred to as the "installment mutual aid benefit") is the amount obtained by multiplying the amount of the mutual aid benefits (or, where part of the mutual aid benefits is paid by installment payment, the amount subject to installment payment) by the rate specified by Cabinet Order according to the installment payment period (referred to as the "installment payment rate" in paragraph (2) of the following Article).

⑥Where, pursuant to the provisions of paragraph (1), it has been decided that part of the mutual aid benefits is to be paid by installment payment, the amount obtained by subtracting the amount subject to installment payment from the full amount of those mutual aid benefits is to be paid as a lump sum.

①Where the Organization has decided to pay all or part of the mutual aid benefits by installment payment and a ground set out in the following items arises, the Organization is to pay in a lump sum, to the person specified in the relevant item, the total amount of the amounts equivalent to the present value of the installment mutual aid benefits whose payment months have not arrived by the time the ground arises (hereinafter referred to as "present value amounts"):

②The present value amount is the amount obtained by discounting the amount of the installment mutual aid benefit by the compound present value method, using the interest rate determined by the Minister of Economy, Trade and Industry as the interest rate that served as the basis for calculating the installment payment rate for that amount, according to the period from the most recent payment month after a ground set out in either item of the preceding paragraph arises to the payment month for that installment mutual aid benefit.

①The surviving family members entitled to receive payment of the mutual aid benefits prescribed in Article 9, paragraph (1) are the persons set out in the following items:

②The order of priority among the surviving family members entitled to receive payment of mutual aid benefits is the order of the items of the preceding paragraph, and, among the persons set out in items (ii), (iv) and (v) of that paragraph, the order in which they are listed in the relevant item; in this case, for parents, the order is adoptive parents and then biological parents, and for grandparents, the order is the adoptive parents of adoptive parents, the biological parents of adoptive parents, the adoptive parents of biological parents, and then the biological parents of biological parents.

③Where there are two or more persons of the same rank among the surviving family members entitled to receive payment of mutual aid benefits under the preceding paragraph, the mutual aid benefits are to be paid in equal shares divided by the number of those persons.

A person who has caused the death of a mutual aid policyholder through an intentional criminal act is not entitled to receive payment of mutual aid benefits, notwithstanding the preceding Article. The same applies to a person who, before the death of a mutual aid policyholder, caused the death, through an intentional criminal act, of a person who would be entitled to receive payment of mutual aid benefits upon the death of that policyholder.

①Where a mutual aid contract is cancelled and the number of months of paid premiums of the mutual aid policyholder is 12 months or more, the Organization is to pay a cancellation refund to the mutual aid policyholder.

②Where a mutual aid contract is cancelled pursuant to the provisions of Article 7, paragraph (2), item (ii), no cancellation refund is to be paid, notwithstanding the preceding paragraph; provided, however, that this does not apply where there are special circumstances specified by Order of the Ministry of Economy, Trade and Industry.

③The amount of the cancellation refund is, according to the cases set out in the following items, the amount specified in the relevant item:

④The premium-unit cancellation refund amount under item (ii) of the preceding paragraph is, according to the number of months of paid premiums for the premium unit set out in each of the following items, the amount specified in the relevant item:

⑤The provisions of the first sentence of Article 9, paragraph (4) apply mutatis mutandis to the ratio specified by Cabinet Order in paragraph (3), item (i) and the amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph. In this case, the amount obtained by multiplying by the ratio specified by Cabinet Order prescribed in paragraph (3), item (i) must be less than the premium-unit cancellation refund amount prescribed in item (ii) of that paragraph, and the amount specified by Cabinet Order in item (ii), (a) of the preceding paragraph must be less than the amount specified by Cabinet Order in Article 9, paragraph (3), item (ii), (a).

⑥The provisions of Article 9, paragraph (6) apply mutatis mutandis where a Cabinet Order is enacted or amended pursuant to the provisions of paragraph (4), item (ii), (a). In this case, the phrase "the items of paragraph (1)" in Article 9, paragraph (6) is deemed to be replaced with "the items of Article 7, paragraph (4)", and the phrase "mutual aid benefits" is deemed to be replaced with "cancellation refunds".