Investor FAQs

Our mission is “We help our customers embrace life more fully through management with integrity, and offering products and services that are easy to understand, affordable and convenient”. For details, please see “Intro to Lifenet”.

Before opening our business in May 2008, the two founders had endless discussions about the life insurance company they wanted to create. The LIFENET Manifesto is our philosophy which is filled with their passion.
On the occasion of our 10th anniversary of our business launch, we reviewed the Manifesto with all of our effectives and employees. We revised it in June 2018, keeping the same spirit of “Comprehensible, Cost-Competitiveness, and Convenient”. Along with the Manifesto, we will continue to strive to provide our customers with better products and services.
In our IR activities, we have also established the IR Policy (IR Manifesto), which consists of five items: “Open communication,” “Comprehensible”, “Fair”, “Long-term perspective”, and “Innovative”.

We announced a new management policy and the mid-term business plan ending in fiscal 2028 in May 2024. For details, please see “Mid-term Business Plan”.

We disclosed new management policy in May 2024. Please see Management Policy.

For details, please see “Sustainability Management”

We have listed our shares on the Tokyo Stock Exchange Growth market which only needs to explain any non-compliance with the General Principle of the Corporate Governance Code. In terms of enhancing our disclosure, we disclose the principles which are required to be disclosed in the Corporate Governance Code.
Please see Basic approach for details.

For details, please see “Management Team”.

For details, please see “Group overview and History”.

We disclosed our financial results and reporting in accordance with the statutory accounting standards until fiscal 2022. However, due to the characteristics of statutory accounting, it is difficult to accurately represent the actual mid- to long-term profitability of our business.
To address this issue, our adoption of IFRS 17 is intended to better present our periodic results and provide financial information that is more comparable internationally. The application of IFRS will allow us to defer a portion of the cost for acquiring new business over the life insurance term, which will more appropriately represent the actual long-term profitability of life insurance compared to the statutory accounting (J-GAAP).
For details, please see “IR Materials”.

For details, please see “Financial Information​​​​​​​”.

Our fiscal year ends on March 31 every year.
For details of IR-related schedule, please see “IR Calendar”.

For details, please see the latest “Financial Results”.

In fiscal 2024, we formulated the Mid-term Business Plan and set three priority areas: Tech & Services, Rebranding, and Embedded.
We will focus on initiatives from the perspective of “Tech & Services” by providing advanced insurance services as an online life insurance company, utilizing IT services such as AI (artificial intelligence) and the Individual Number system.
In “Rebranding”, we will update ourselves to reflect changes in the times and in customer values, and achieve further growth by becoming a brand that continues to be chosen by younger generations.
We will also focus on “Embedded”, which integrates insurance business deeply into the ecosystem of our partner companies, by leveraging our strengths as an independent online life insurance company in a leading position.
In order to achieve medium- to long-term growth, we will aim to expand our business in fiscal 2024 through both the individual insurance business and the group credit life insurance business.

In order to ensure the future payment of insurance claims to our policyholders, we are investing the majority of our assets in public bonds and corporate bonds with high credit ratings.
In addition, while maintaining a balance across all of our assets, we also hold a portion of stocks and overseas public and corporate bonds in addition to domestic bonds. In the future, we will continue to aim to increase our income from investment while giving due consideration to market conditions and implementing appropriate risk management.

We calculate our surrender and lapse ratio annualizing the average monthly number of policies-in-force for a specific duration divided by the average monthly number of surrendered and lapsed policies during the same duration. Our surrender and lapse ratio has been around 6% to 7% since starting business.
Surrender and lapse of policies generally tend to occur from newer policies. As our company is a young and growing company with a shorter history than other companies in the same industry, we recognize that the high ratio of the number of new business to the number of policies-in-force may be a factor in the rise in the surrender and lapse ratio.
We will continue to endeavor to improve this ratio by enriching customer services.

7157.

On the Growth Market of the Tokyo Stock Exchange.

The stock trading unit is 100 shares.

You can see our stock quote using the “Nomura Securities Stock Price Search”.

For details, please see “Stock Information”.

For procedures such as changing your address or name, or requesting the purchase of shares of less than one share unit, please contact the securities company where you have an account. For general inquiries regarding the mailing of convocation notices and other mail, or stock-related matters, please contact Mitsubishi UFJ Trust and Banking Corporation, the administrator of the shareholder register.
(Japanese version only)
Toll-free within Japan only: 0120-232-711
Hours: 9:00 to 17:00, except Saturdays, Sundays, national holidays and others

We have yet to determine our specific dividend policies and dates for the start of distributing retained earnings as dividends as we still record cumulative loss under the Japanese GAAP and will be prioritizing strengthening our growth base to increase mid to long term profitability. In the future, we will continue to target business expansion and profit generation by implementing measures to increase recognition of the Company, developing new products and services, and effectively utilizing financing for investment in systems and other aspects of the business.
In addition to this, we will consider implementing measures to provide shareholder return that include payment of dividends from future retained earnings.
Lifenet also states in its Articles of Incorporation that a decision on the distribution of retained earnings can be made by a resolution of the Board of Directors, except as otherwise determined by law.
We have voluntarily adopted IFRS in our consolidated financial statements since fiscal 2023, however, distribution of retained earnings is based on non-consolidated financial statements in accordance with Japanese GAAP.
Please see Dividends for details.

We are not currently offering any shareholder benefits.

It is scheduled for late June every year.
For details, please see “Shareholder Meeting”.

It is March 31 every year in accordance with the Company's Articles of Incorporation.