Domestic Life Insurance

The domestic life insurance business is one with particularly high growth potential among Group businesses, second to the domestic P&C insurance business. We will accelerate growth by providing products and services of choice to customers. Major products include “Shin Kenko no Omamori”(released in May 2014) and “Shin Kenko no Omamori Heart” (released in April 2015). Both of these products have proved immensely popular among customers, with a combined total of 600,000 applications for these products since their launch.

Strengths

Product Composition

We provide a wide range of insurance products that cover customer risks in response to changes in the social structure surrounding the customer and in their lifestyle.

Growth Potential

We are realizing growth in keeping with efficiency and profits through product strategies that focus on high-margin protectiontype products, such as medical insurance and income compensation insurance, and sales strategies that make maximum use of our network of P&C insurance agencies.

Topics

Himawari Life Launches Rider Enabling Receipt of Lump-sum Care Payment for Customers Certified as Needing Level 1 Care—
Response to the Sharp Rise in those Requiring Mild Care (March 2017)

On April 2, 2017, Sompo Japan Nipponkoa Himawari Life Insurance launched a lump-sum care payment rider that can be attached to "Medical Insurance (2014)" whole-life insurance policies with a low surrender value period, which are available without dividends or with interest dividends every five years. The rider allows for a lump-sum payment for care to customers certified as needing level 1 or greater care under Japan’s public long-term care insurance system. About 6.06 million people were certified as needing support or care under Japan’s public long-term care insurance system as of March 31, 2015. People requiring the mildest level 1 care made up the largest share of them, accounting for 19.3%, or 1.17 million people. We offer coverage extending to this group to meet a wide range of needs amid sharp growth in people requiring care, as even people with modest care needs may incur some expenses for things such as home modifications.

Launch of Health Service Brand "Linkx"

As a leader in "security, health, and well-being," Sompo Japan Nipponkoa Himawari Life Insurance aims to transform itself into a health support enterprise that assists customers in improving their health, as the natural evolution of a life insurance company. To that end, we launched our Linkx health service brand in September 2016. We provide revolutionary products revolving around health and health-related services centered on apps under the brand, which is rooted in the concept of making healthy living pleasant and fun for customers.

Partnership to Promote Health—Subscribers to Free Linkx Health Service App Get 10% Off Re.Ra.Ku Service (March 2017)

Sompo Japan Nipponkoa Himawari Life Insurance and MEDIROM Inc. created a partnership agreement aiming to enhance both companies’ services and generate new business opportunities. This alliance will form a part of our envisaged health ecosystem. We will continue to encourage customers to improve their health by developing services promoting health.

New "Linkx aruku" App Aims to Promote Health by Keeping People Walking—A Menu of about 300 Routes Nationwide Created by Our Employees from Their Own Walks (March 2017)

Linkx aruku is a walking app designed to make daily walking fun and achievable. With Linkx aruku, users can share comments and photos related to things they discover during walks, and choose walks from over 500 recommended routes nationwide as of March 30, 2017.

Rollout of "Linkx reco," a dieting app enabling friends or partners to pair up to keep on track with health goals through four simple tasks a day (March 2017)

Linkx reco is an app that encourages users to make healthy lifestyle changes by performing simple tasks every day including recording how much time they spend walking and what they eat. The app has a pairing function, so partners, friends, and the like can team up to make sticking with their health goals easier.

Launch of a Health Curation App that Supports Personal Health—"Linkx siru," an App Available via Download by Anyone, Free of Charge (October 2016)

Linkx siru is a curation app that distributes optimal health-focused articles to customers. The app does so by identifying and learning patterns in the articles read by customers through the latest analysis technology.
The app uses cutting-edge ICT to distribute health-related information tailored to the needs of each customer according to the articles he or she reads, thereby helping customers to comfortably and enjoyably maintain good health as they see fit. The more it is used, the more it will evolve into a highly personalized app that is the only one of its kind in the world.

Launched Linkx coins, an Insurance Product Focused on Advanced Medical Treatment and Organ Transplantation, Available for a Monthly Premium of ¥500 (September 2016)

On September 20, 2016, Sompo Japan Nipponkoa Himawari Life Insurance, Inc. launched Linkx coins (“Link cross coins”; official name: insurance for advanced medical treatment with organ transplantation medical treatment benefit), an online-only product that customers can enroll in for a monthly premium of ¥500.
Linkx coins is an insurance product that focuses on covering conditions that put the greatest financial burden on the insured when undergoing treatment. This is achieved by narrowing down the insurance protection needed for the treatment of unexpected medical conditions to a bare minimum. If the insured receives care involving advanced medical treatment, Linkx coins will pay an advanced medical treatment benefit and make a one-time advanced medical treatment payment. If the insured undergoes a designated organ transplantation, Linkx coins will pay an organ transplantation medical treatment benefit. Linkx coins is the first insurance product to be released under the Linkx (“Link cross”) health service brand developed by Sompo Japan Nipponkoa Himawari Life.

Introduction of "Premium Fridays" for Employees as We Aspire be a Supporting Health Enterprise (February 2017)

Sompo Japan Nipponkoa Himawari Life Insurance launched "Premium Fridays" in March 2017 as a work style reform initiative. In the insurance industry, there is always lots of customer service-related work to do on the last Friday afternoon of the month. So we set up "Premium Fridays," allowing employees to leave work at 3 p.m. one Friday each month as best fits their personal and work schedules. By reducing our roughly 3,200 employees’ work hours by two hours a month through "Premium Fridays," we aim to provide each employee with an opportunity to rethink their way of working and increase productivity. Going forward, we will take new steps to reform work style.

Business Alliance with Fukuoka Financial Group, Inc. and iBank marketing Co., Ltd. (July 2016)

Sompo Japan Nipponkoa Himawari Life Insurance forged a business tie-up with Fukuoka Financial Group, Inc. and iBank marketing Co., Ltd. aiming to create new value in the insurance and financial domains. iBank is a money service brand that looks to generate new customer experiences and value by utilizing smartphones to seamlessly link financial-oriented services and non-financial services pertaining to lifestyles and life events.

Group Companies

Sompo Japan Nipponkoa Himawari Life Insurance, Inc.

A life insurance company that offers advanced products and services as the growth engine of the Group.