Priority Area (1) Providing Better Products and Services

As the aging of society continues, problems such as an increase in patients suffering from dementia and people leaving their jobs to care for family members with this disorder are becoming an ever more familiar part of everyday life. In addition, it is becoming increasingly apparent that conditions such as bone fractures due to osteoporosis, which is common among elderly women, and the onset of lifestyle diseases, which has been increasing in line with aging, have a high risk of requiring nursing care in the future. In light of these circumstances, Taiyo Life has developed Himawari Dementia Treatment Insurance, which enables all customers, even elderly customers with health concerns, to enroll by submitting only a simple notification—a first for the Japanese life insurance industry. In this manner, Taiyo Life provides insurance protection to intensively cover the risk factors of particular concern to elderly customers.

In October 2015, Daido Life launched Shunyu Relief to protect against loss of income when a business owner or sole proprietor requires longterm care, and Kaigo Relief to cover nursing care costs. Both of these products are offered together with Kaigo Concierge, a free-of-charge service where care managers and other nursing care professionals provide guidance on how to use Japan's public long-term insurance system, referrals to nursing care facilities according to customers' preferences, arrangement of tours of nursing care facilities and nursing care-related consulting. In these ways, Daido Life is providing a full range of support for nursing care, encompassing solutions to relieve not only the financial burden, but also the physical and psychological burden.

T&D Financial Life develops unique products that are differentiated from those of other companies and supplies these products in a timely manner through insurance agents. In fiscal 2015, T&D Financial Life developed the “regular payment rider,” enabling customers to regularly receive payments of a portion of the policy amount of the Shogai Premium series, which provides for death protection and funding for post-retirement living expenses. The company also developed Kazoku Wo Tsunagu Shushinhoken, which is a whole life insurance product that specializes in death protection and addresses the wide range of asset formation needs of customers, and Hataraku Anata Ni Yasashii Hoken, which provides living benefits covering living expenses for a certain period of time for prescribed conditions with respect to three major diseases (cancer, acute myocardial infarction, or cerebral stroke). In fiscal 2016, T&D Financial Life will further enhance the insurance protection of its products.

T&D Asset Management has established and manages the Japanese Equity ESG Research Fund. The fund selectively invests in companies with an outstanding ESG (Environmental, Social and Governance) performance based on ESG research which seeks to generate investment returns that outperform the medium- to long-term market average while contributing to the formation of a sustainable society by investing in companies which contribute to the reduction of environmental impact and the achievement of a sound society.

In response to growing interest in veterinary care and needs related to its costs, Pet & Family Small-amount Short-term Insurance provides Genki Number One and Genki Number One Slim, products that compensate for a portion of the costs of treatments for pets at veterinary clinics due to illness or injury. These products help to ensure that pet owners can obtain veterinary treatment for their pets with peace of mind.