Life Insurance Business Strategy
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1 Life Insurance Busess Strategy June 2, 2004 Sukeaki Ota President Tokio Mare & Nichido Life Insurance Co., Ltd.
2 Life Insurance Busess (1) FY03 Results of Life Busess (Tokio Mare & Nichido Life) Summary of FY03 results (Unit: bn yen) FY02 FY03 Change Y Y change Change New busess (sum sured) 1, % 1, % API on new policies % % No. of new policies issued 348, % 351,745 3, % In-ce busess (sum sured) 9, % 10, , % No. of policies ce 1,295, % 1,546, , % Premium come % % Operatg expenses % % Ordary % % Net come Core operatg % % Note: The busess volume and number of policies take sum of dividual life and annuity surance (Unit: bn yen) Adjusted net assets As of end of Mar As of end of Mar Traditional basis Guidele basis New New busess busess creased creased both both first first and and third third secr secr products. Because of a decrease premium come from products. Because of a decrease premium come from sgle-premium sgle-premium fixed fixed annuity annuity products, products, premium premium come come decreased decreased substantially. substantially. (A (A decrease decrease API API on on new new policies caused by same reason) policies caused by same reason) Ordary Ordary substantially substantially decreased decreased due due accountg accountg changes changes swap swap transactions transactions which which have have become become effective effective from from FY02. FY02. (Ordary (Ordary temporarily temporarily creased creased FY02 FY02 because because of of above above changes.) changes.) However, However, sce sce most most of of ordary ordary are are transferred transferred reserves reserves policyholder policyholder dividends, dividends, impact impact on on net net come come is is limited. limited. Due Due improvement improvement loss loss ratio, ratio, provisions provisions policy policy and and or or reserves reserves creased creased by by 4bn 4bn yen yen (As of end of Mar. 2003) (As of end of Mar. 2004) 1
3 Life Insurance Busess (2) 2. Growth Annualized premium come come on on new new busess (Unit: bn yen) Total Excludg sgle-premium and annuity products FY FY FY FY04 (projection) FY05 (projection) Total Excludg sgle-premium and annuity products Projection Projection Projection Projection 2
4 Life Insurance Busess (3) Profitability of Life Insurance Busess Increase embedded value value (Unit: bn yen) EV at year-end Increase of EV Average balance of EV FY00 FY01 FY02 FY03 FY04 (projection) % 13.4 Unit: bn yen Effect of terest rate -16.7bn yen Effect of terest rate +15bn yen 3
5 Life Insurance Busess (4) 4. FY04 Strategies - Overview (1) Promote cross-sellg (2) Develop agents specialized life surance (3) Promote bancassurance (4) Strengn advertisg (5) Ors 4
6 Life Insurance Busess (5) 4. FY04 Strategies (1) (1) (1) Promote cross-sellg Approx Life Promoters as of end of Mar (50+ Life Promoters as of end of Mar. 2003) Plan FY04 Sub-branches specialized life surance Life Promoters Build a much higher-quality support system agents than competirs while assigng Life Promoters specialized sale of life surance sub-branches Medium-term plan: Increase Life Promoters 500 as soon as possible 5
7 Life Insurance Busess (6) 4. FY04 Strategies (2) (2) (2) Develop agents specialized life busess FY03: 303 Life Partners as of end of Mar ( 260 Life Partners as of end of Mar. 2003) Life Partners account 9.2% of premium come from first secr products (protection-type products) Focus on recruitment of Life Partners Medium-term plan: Increase Life Partners 500 by end of FY05 Aim make Life Partners account 15% of premium come from first secr products (3) (3) Promote bancassurance FY03: Sold 60,000 policies at banks 210 banks represent Tokio Mare & Nichido Life Focus: Newly develop markets utilizg full-le products Medium-term plan: Develop bancassurance one of ma channels 6
8 Life Insurance Busess (7) 4. FY04 Strategies(3) (4) (4) Strengn advertisg (1) Improve brand and product recognition (2) Provide support cross-sellg Renew and crease our TV CMs (5) Ors a. Asset management Mata strict ALM operations Revised regulation net asset value calculations (Dec. 2003) b. New product Launched a long-term medical surance product called Medical@Office, cusmized corporate employees market, May
9 Life Insurance Busess (8) 5. Targeted Busess Model (1) Roles with Millea Group Tokio Mare & Nichido Life: Sell products or than variable-types Develop life surance strategies entire Millea Group Tokio Mare & Nichido Fancial Life: Specialize variable-type products 8
10 Life Insurance Busess (9) 5. Targeted Busess Model (2) Busess model variable annuities Tokio Mare & Nichido Fire represents Fancial Life Tokio Mare & Nichido Fancial Life Tokio Mare & Nichido Fire branch offices Provide trag and support agents Tokio Mare & Nichido Life represents Fancial Life (license required) Tokio Mare & Nichido Life branch offices Sales promotion Provide trag and support agents Banks and securities companies 9
Life Insurance Business Strategy
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