Abstract: It enables users to surely and easily manage the subscribed insurance in an insurance contract system which achieves a new contract, change and the like of the contract content through a portable terminal. An agency server generates a software component comprising a user profile of a user, insurance commodity information suitable for the user, a control program and a storage, and installs it to a portable terminal. The user starts the control program in the software component of the portable terminal to generate the contract content of the insurance for the new contract, contract change and the like based on information about the selected insurance commodity, inputted data of the premium and the like, the user profile, a policy number generated by the control program and the content of the storage, and then transmits it to the insurance server through a network. The insurance server, upon receiving the contract content normally, returns ACK.