Abstract: Free design service system, apparatus, and method of life insurance enabling salespersons and customers to design life insurance that meets one's specific requirements easily from terminal equipment. This system allows anyone to access via network a life insurance design home page on a Web server from one's device such as a personal computer and set the data including the classification of insurance to be reviewed, type, term insured, and age and gender of insured from information available on a design input screen. Accordingly, an insurance premium calculation module provided by the web server calculates a premium, a handling regulations module detects the prescribed consistency of the settings, and a various cumulative calculation module adds up various cumulative amounts. The surrender value is also calculated by a surrender value calculation module. All these data are available in a table format or graphically displayed by a graph drawing module.

Abstract: A driving circuit which drives piezo element connected to a movable member, thereby moving the movable member. A current from a DC power source flows in an induction device. During each drive cycle, a switch mechanism cuts the current in the induction device to induce a driving voltage from the induction device. The switch mechanism cuts the current in the induction device at a first moment in a respective drive cycle occurring when the current is increasing. The driving voltage becomes substantially flat at a second moment during the respective drive cycle occurring after the first moment in the respective drive cycle. A voltage detection device detects the driving voltage induced from the induction device and compares the driving voltage with a predetermined reference level. In accordance with the comparison by the voltage detection device at the second moment during each drive cycle, a control unit determines a first moment for the next drive cycle.