Message from our President Junpei Yokozawa

Since launching our business in 2008, we have upheld the LIFENET Manifesto: “Sincere, Easy-to-understand, Affordable and Convenient.” We have garnered strong support by young customers, primarily those raising families, and continue to grow as the leading online life insurance company.

Nearly 18 years have passed. Today, while purchasing life insurance online has become a standard choice for customers, the market’s high growth potential has intensified the competitive landscape. In this drastically changing environment, I am convinced that we must return to the origin of the Manifesto to sustain our overwhelming competitive advantage and continue leading the industry. We are fully committed to creating and continuously refining a unique insurance experience that only Lifenet can deliver.

The life insurance industry is now facing a big wave of technological innovation, including advancement of AI and the Individual Number System* in Japan. I view this wave as a prime opportunity to fundamentally transform the very nature of life insurance itself.

Since joining Lifenet as a systems engineer at our inception, I have led the technological initiatives, including the comprehensive overhaul of our core IT systems. By fully leveraging this technical expertise in my executive leadership and delivering the “Ultimate Insurance Experience” to our customers, we will unlock further potential for online life insurance and drive significant growth for our business.
 

Against this business backdrop, we have established three priority areas in our mid-term business plan: “Tech & Services,” “Rebranding,” and “Embedded” to drive growth in our individual life insurance business and group credit life insurance business (“GCL”).

Among these, "Tech & Services" forms our core foundation, and we believe that strengthening this area will be Lifenet's competitive advantage. Our "Tech & Services" initiatives directly realize the Manifesto's commitment to "Delivering the caliber of products and services that we would feel confident recommending to our own friends and families." As our future challenge, we will leverage technologies such as AI and the Individual Number System to make the entire life insurance process—from application to receiving claims and benefits—more convenient and seamless, significantly enhancing the value of our online experience.

Next, under the pillar of "Rebranding," we are working to deliver the new experience value created by "Tech & Services" to our customers, as well as strengthening customer communication utilizing technology and rebuilding our corporate brand based on the Manifesto, adapting our "Rebranding" to the current era and customer values.
While we have previously delivered messages primarily focused on "affordable premiums" and "easy-to-understand," over the past two years, we have steadily promoted initiatives to emphasize the four values outlined in the Manifesto: "Sincere, Easy-to-understand, Affordable and Convenient." Going forward, we will further enhance our brand power and drive growth in our direct individual life insurance business.

Furthermore, under the pillar of "Embedded," we will strengthen collaborations with partner companies to expand a world where life insurance is naturally embedded into the diverse range of services offered by these partners. For example, our products and services are seamlessly embedded within the touchpoints of daily life, such as through the use of mortgage loans or loyalty point programs. Moving forward, we will further expand these partnerships to contribute to our partners’ core growth while driving our own sustainable expansion. This allows us to deliver high convenience and peace of mind.

In this way, these three priority areas are interconnected, creating a virtuous cycle. This synergy enables us to simultaneously expand the online life insurance market and reinforce our No. 1 position in online life insurance.

In fiscal 2025, this virtuous cycle steadily delivered solid results. We successfully returned our individual life insurance business to growth by refining our marketing strategy. We also made steady progress in enhancing the customer's insurance experience utilizing technology. Furthermore, we expanded our collaborations, notably through the new business alliance with THE KYOTO SHINKIN BANK, which is our first partnership beyond the framework of our existing alliance groups. Overall, it was a year in which we gained strong confidence toward accelerating the future growth of both the individual life insurance and GCL businesses. By continuing to focus on these three priority areas, we will achieve the management goal of our mid-term business plan. We are fully committed to reaching Comprehensive Equity of 200-240 billion yen in fiscal 2028.

In July 2025, we transitioned our listing market segment from the TSE Growth Market to the TSE Prime Market. We remain committed to further strengthening corporate governance and ensuring transparent information disclosure. Building on our established strengths, we will take on new challenges as a leading company creating the future of online life insurance to create the "Ultimate Insurance Experience" and deliver it to as many customers as possible, thereby aiming to achieve our mid-term business plan and enhance corporate value over the medium to long term.

We ask for the continued understanding and support of our shareholders and investors.

June 2026
Junpei Yokozawa
President and Representative Director
 

*Individual Number System is a system in which all people living in Japan are given an individual identification number for the purpose of improving convenience and others for citizens. It is also available online and you can apply to services online related to parenting by the one-stop service and can receive notifications from administrative organizations.