Life Insurance
Business Overview
Life insurance, including medical insurance and death insurance
Sustainability Themes
- #Aging society
- #Investments and lending that take ESG into account
Our Approach to Our Sustainability Themes
ORIX Life Insurance has formulated a Sustainability Policy
(in Japanese) and identifies five material issues (materialities) to be given priority. By addressing these material issues based on this policy, we will contribute to the realization of a sustainable global environment and society for future generations.
ORIX Life Insurance’s Material Issues (Materialities)
- To provide security through the insurance business to people of all generations who will live in the age of 100-year lifespans.
- To realize a sustainable society through the promotion of responsible investment as an institutional investor.
- To build mutually beneficial relationships with business partners.
- To create an environment in which each and every employee can maximize his or her potential in various situations.
- To strengthen corporate governance for sustainable growth.
See here (in Japanese) for details on initiatives for each material issue.
Business Activities and Sustainability Themes Matrix
- Customer-oriented products and services in an age where more and more people will live to be 100
- #Aging society
- ESG investing in asset management
- #Investments and lending that take ESG into account
Customer-oriented products and services in an age where more and more people will live to be 100
- #Aging society
Based on the philosophy “Giving heartfelt shape to kind thoughts”, ORIX Life Insurance sympathizes with customer sentiment and aspires to be comfortably present in peoples' lives, providing a portfolio of insurance products and services attuned to customer sensibilities. Customer lifestyles and values are becoming ever more diverse in an age where more and more people will live to be 100, and customer attitudes toward risk also vary. ORIX Life Insurance embraces change—we consistently consider what a life insurance company should do for customers to develop and deliver products and services that accommodate diverse lifestyles.
ORIX Life Insurance researches and develops new products in order to provide optimal insurance according to customer needs. Featuring a broad variety of products, we serve customers through four sales channels.
- Underwriting Criteria Relaxation Insurance
To meet customers’ diverse protection needs, we offer insurance products with relaxed underwriting criteria that are easier for individuals with pre-existing medical conditions or a history of hospitalization to enroll in. As of March 31, 2026, the number of policies in force for our three underwriting criteria relaxation insurance products totaled 508,000.
| Agency sales | We provide various products to our customers through three types of stores. Insurance specialized stores handling not only life insurance but also damage insurance, stores for face-to-face dealings located near train stations and large shopping centers, and tax expertise stores to provide consultations with specialist knowledge about tax, which make a total of 6,051 stores (as of the end of March 2026). |
|---|---|
| Sales by financial institutions | Insurance products offered in partnership with 104 financial institutions, such as city banks and regional banks (as of the end of March 2026). |
| Mail order | Sales via mail and internet. |
| Face to face sales by employees | From 2016, ORIX Life Insurance's sales representative advisors are providing face-to-face sales intended to complement other sales channels and provide consultation to customers. |
ORIX Life Insurance supports sales and other activities of partner agencies. Our sales representatives provide advice on how to make better proposals to customers served by our business partners and follow-up on insurance claims and benefit claim procedures. In addition, we regularly host gatherings with local distributers to share relevant information about new products, life insurance, laws and regulations. In addition, we have set up an “agent help desk” to respond to inquiries from distributors and support operations on weekends as well as weekdays.
ORIX Life Insurance is working toward customer-oriented business operations so all employees prioritize a customer-first approach above all else. Our Customer-Oriented Business Operation Policy can be found here(in Japanese) .
We conduct the following initiatives as part of our customer-first business operations.
[Refining client communication and continual development]
ORIX Life Insurance is continuously committed to improving the printed materials and services we provide for our customers. In recognition of these efforts, we received the UCDA Award, the highest honor presented by the Universal Communication Design Association (UCDA), for three consecutive years through 2018. In addition, our Web Benefit Claim Service, which enables customers to submit benefit claims online, received the UCDA Award in 2022, and our Web Procedures Service, which allows customers to review policy details and complete various post-contract procedures online, received the UCDA Award in 2024. Furthermore, in 2025, the brochure for our single-premium whole life insurance product was honored with the Consumer Award, which is presented to materials that receive particularly high evaluations from consumers. Through these initiatives, we continue to enhance the convenience of various procedures for our customers.
[Continual improvement in our methods of customer communication]
We are also improving our customer interface so we can provide smooth, stress-free assistance to people in various situations when communication occurs. In addition, we have launched sign language and written interpreter services. Customers with hearing or speech difficulties are able to make inquiries about policy details and procedures by video call, and their inquiries are relayed to our customer service center in real time by voice call.
Our customer service center is also equipped with call assistance devices that allow us to take inquiries from senior citizens who have trouble hearing service representatives. This technology modulates the representative's voice to a frequency and sound pressure that is easy for senior citizens to hear.
[Creating and providing client-centered services]
ORIX Life Insurance is enriching the lives of its clients by offering beneficial services from affiliated companies at a discounted price, thus improving the lives of clients, particularly those experiencing hospitalization and those who have recently been discharged.
- Daily Life Support Services
| Housekeeping Services | Provides support to clients by helping them prepare for hospitalization and being accompanied to hospital in addition to cleaning, shopping, and general housekeeping in the client's home after they return from the hospital. |
|---|---|
| Pet Sitting Service | Supports clients by providing professional pet sitting services while clients are in hospital or receiving care. |
| Inheritance Support Service | Simplifies inheritance processes by providing alternate professional services to clients seeking quick, efficient inheritance procedures. |
- Cancer Treatment Support Services
| Recommendations for gentle undergarment brands are available to clients who have experienced surgery or other forms of cancer treatment and require undergarments that do not irritate inflamed or sensitive skin. |
| Recommendations for medical wig/toupee brands are available to clients who have experienced hair loss/thinning as a side effect of cancer treatment. |
| Recommendations for bento delivery services for senior citizens are available for those who need them; they are delivered directly, so the delivery can serve as a safety/wellness check-in as well. |
If in the case a client experiences a lapse* in insurance payments, their contract will not be terminated if the lapse is resolved within a certain time period. There are occasionally cases in which long-term clients experience lapses in payment due to a variety of reasons; this support service exists so clients can continue their contracts without experiencing termination.
- Contract termination occurs when lapses in payment are not corrected within the following terms:
･ In the case of monthly payments: By the calendar end of the next month following the original payment deadline.
･ In the case of annual or semiannual payments: Within 2 months after the original payment deadline by the day of annual or semiannual payment.
Related Links
ORIX Life Insurance Corporation
- Initiatives to maximize customer satisfaction(in Japanese)
- How we're viewed and customer feedback(in Japanese)
- Inheritance Support Service(in Japanese)
- Housekeeping Services(in Japanese)
- Recommendations for gentle undergarment brands(in Japanese)
- Recommendations for medical wig/toupee brands(in Japanese)
- Recommendations for bento delivery services(in Japanese)
- Recommendations for pet sitting services(in Japanese)
ESG investing in asset management
- #Investments and lending that take ESG into account
Life insurance companies must prudently manage their assets for stability, profitability, and liquidity to ensure future policyholders benefit from insurance premiums. Likewise, these assets represent the sum of contributions from many policyholders, so insurance companies have a public obligation to ensure they contribute to the economy and improve the quality of peoples' lives. In addition, as life insurance contracts are long term obligations, asset managers must ensure stable returns over a longer period than other financial institutions.
Cognizant of these responsibilities as an insurance company in managing our assets, ORIX Life Insurance bases its asset management philosophy on the Principles for Responsible Investment (PRI), to which we are a signatory, and the ORIX Life Insurance Sustainability Policy. By implementing ESG investing, which considers environmental, social, and governance issues, we aim to both secure returns over the medium- to long term while contributing to the realization of a sustainable society.
ORIX Life Insurance's ESG investment approach and investment examples can be found here
[0.6MB] (in Japanese).