To provide service which enables return for an effort to reduce opportunities (insurance risk) of insurance payment by the insured.

An insurance managing server 12 sets the effort target of an action of reducing the insurance risk of the insured with notice sent from a PC 10 via a network 11. The PC 10 obtains actual result data on the action to the effort target data by using portable equipment 24, a walking pad 22, a weighing machine/adipometer 23, etc., and reports them to the insurance managing server 12. The insurance managing server 12 sets the contents of a return for the effort according to the actual result data and notifies of the contents to the PC 10 that the insured uses.