Provided is a system for escalating an overall insurance earning rate with variable insurance. The system includes a collector configured to collect insurance information of a policy holder who has a plurality of insurance products, including at least one variable insurance product, and wants to live on annuities through interim payments, an annuity calculator configured to calculate annual earning rates of each insurance product using the collected insurance information and calculate possible annuity receipts based on the earning rates, and a sequential arranger configured to sequentially arrange annuities in a manner in which an insurance product with the lowest earning rate among the insurance products whose earning rates have been calculated is put into annuity finances every year starting from an annuity commencement until an annuity end and other insurance products are left untouched during the corresponding time period.