Ⅰ. Financial Well-being for All

As we enter the era of the 100-year life, the financial issues facing our customers have expanded beyond simply preparing for unforeseen events to include asset formation, utilization, and succession to the next generation. In light of this changing environment, we will help customers achieve financial well-being by providing integrated solutions that combine protection with asset formation and succession.
Specifically, we will provide integrated values of protection, asset formation, and succession tailored to each individual’s needs through diverse channels, including Daiichi Life’s sales representatives, agency networks, and Web Direct. This approach covers everything from supporting asset formation for younger generations, to providing protection and wealth accumulation solutions for working and child-rearing generations, to facilitating effective asset utilization and smooth wealth transfer for senior generations.

As an institutional investor, Daiichi Life Group provides growth capital with the aim of creating a virtuous cycle that fosters the growth of Japanese companies and returns benefits to households. As part of this effort, we are working to revitalize the domestic corporate bond market and promote broader access to capital markets by expanding investment opportunities in lower-rated companies and facilitating bond issuances in collaboration with securities firms. In addition, as a member of the Life Insurance Association of Japan, we participate in the Ministry of Economy, Trade and Industry’s Study Group on the Future of the Corporate Bond Market and contribute to the publication of the “Corporate Bond Issuance Guidebook” among other initiatives, sharing our perspectives based on practical insights as an institutional investor.

As Japan’s population declines and the country faces the challenges of an aging society, revitalizing the domestic economy has become a key issue. In this context, creating an environment where each individual can “spend wisely and enjoyably” is essential to enbaling people to enjoy fulfilling consumer lives. Daiichi Life Group contributes to improving consumers’severyday lives and customer satisfaction by building platforms that meet diverse needs and expanding the range of choices in daily life.
Benefit Station is one of the industry’s largest employee benefits platforms, offering more than 1.4 million services in Japan and overseas. These services cover a wide range of categories, including dining, leisure, shopping, sports, and travel, as well as educational support and health and wellness programs. This provides comprehensive support for employees’ daily lives and career development. These offerings are designed not only to reduce costs but also to give employees the flexibility to choose a lifestyle that suits them.

Daiichi Life advances consumer education and financial literacy education by utilizing “Life Cycle Game III: A Guide to Life Planning,” an educational material that allows participants to simulate life experiences while enjoying a board game. This educational material consists of a “Young and Middle-Aged Version” on one side (covering the period from starting a job in one’s 20s to retirement at age 65) and a “Senior Version” on the other side (covering the period from retirement at age 65 to age 100). It allows users to learn about life events such as marriage and home purchases, the risks of illness and injury, and examples of consumer fraud, such as wire transfer scams and fictitious billing. It is used in a wide range of settings, including schools, local governments, and corporate training programs for new employees throughout Japan, as well as parent-child classes for elementary school students and workshops for local residents.

In addition to its role as a trustee that provides products and services to support individual asset formation, Asset Management One serves as a responsible investor that contributes to enhancing corporate value through fund supply and engagement with investee companies. With the goal of enriching individual lives and society through the power of investment, the company established the Institute for Creating Sustainable Future in October 2023 as an in-house organization dedicated to financial and economic education. The company continuously provides information from a neutral and objective standpoint to a wide range of audiences, including children, students, teachers, and working professionals.
Vertex Investment Solutions supports customers’ long-term asset-building efforts by providing investment-related information and hosting financial seminars for a wide range of customers with varying levels of investment experience and financial knowledge. The company posts explanatory videos on YouTube about mutual funds and the new NISA system, and publishes columns on its website that provide expert analysis of market trends.

Daiichi Life Vietnam entered the market in 2007 and will celebrate its 20th anniversary in 2027. Over the years, in addition to promoting insurance penetration among the Vietnamese people through insurance sales, the company has also been actively engaged in CSR activities.
Daiichi Life Vietnam has been promoting insurance penetration by providing insurance products tailored to customer needs through two main channels: the company’s dedicated personal agent channel and the bancassurance channel established through partnerships with local banks. Through the personal agent channel, the company has focused on selling savings-based universal life insurance, which allows customers to balance protection and savings while flexibly adjusting premiums, as well as unit-linked insurance, where the payout amount fluctuates based on investment performance. Furthermore, as part of its pioneering initiatives, Daiichi Life Vietnam began selling Vietnam’s first personal annuity insurance in October 2013, thereby expanding its product lineup to address not only protection needs but also long-term asset formation needs. In terms of CSR activities, the company has provided ongoing support centered on health, the environment, education, and local community support, including supporting free cataract surgeries, developing infrastructure in rural areas, donating water purification systems to schools, and providing scholarships.

Building on the operational expertise gained through Daiichi Life Vietnam, we turned our attention to Cambodia, where the young segment makes up the majority of the population, and established Daiichi Life Cambodia in 2018. Since it was anticipated that securing a sufficient number of local experts in insurance business operations would be difficult in Cambodia, members of Daiichi Life Vietnam and the Regional Headquarters in Singapore shared their know-how across various functions, including distribution, product development, insurance underwriting, policy administration, and claims payment, to train locally hired talent.

In 2018, the Myanmar government decided to open its market to foreign life insurance companies to develop the insurance market, and in 2019, the Group entered the market with the establishment of Daiichi Life Myanmar. As with the establishment of Daiichi Life Cambodia, the Group was able to rapidly build a solid business foundation by leveraging the know-how of Daiichi Life Vietnam. Daiichi Life Myanmar primarily offers endowment insurance through personal agent and bancassurance channels. The company successfully secured an exclusive sales partnership with the country’s largest local bank and has significantly increased its market presence in recent years.