2020年05月08日更新
insurance Japanese Problems

Problems of Japanese insurance

Mr. Isao Mizutani talked about problems with Japanese insurance.

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Prudential of Japan Champion Isao Mizutani says there are problems with Japanese insurance. It is that the coverage cannot be chosen freely and that the person who takes the insurance does not understand the coverage well. I had the opportunity to ask Mr. Mizutani about these things and summarized them.

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Japan is a power insurance powerhouse

In Japan, there are over 950 types of life insurance products. In addition, over 90% of all households have some form of life insurance. For this reason, Japan is said to be a major life insurance powerhouse.
However, "Japanese life insurance has various problems." It is said by Isao Mizutani of Prudential Life Co., Ltd. Mr. Mizutani has a track record of winning the Prudential of Japan Champion in 2012. We ask Mr. Mizutani, who is such an insurance professional, about the "problems of Japanese life insurance."

■ You cannot freely choose the guarantee

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Although life insurance is taken for granted by us, it seems that very few people feel various problems. This is the subjective opinion of Isao Mizutani, but in the Japanese insurance industry, products that insurance companies want to sell are packaged, given a pet name, and sold in large quantities.
Therefore, it seems that in many cases, the act of purchasing insurance is the purpose rather than the purpose of purchasing insurance. There are many people whose purpose has been blurred, such as when they started getting insurance as if they were a talisman, or when they joined as a social relationship.
The reason for this situation is "insurance packaging". Insurance is often complex, so it's easier for buyers to choose if it's packaged. And there is a sense of security that someone is inside. However, it is also true that there are many disadvantages for buyers.
Insurance should essentially be tailored to each individual. If there are 100 people, there are 100 life patterns, so it is natural that different people have different guarantees and necessary length of time. But the disadvantage is that insurance is packaged, so you can't choose it.
So why are insurance companies packaging? It takes time and effort to create a personalized product. After that, it is easier to package it for the benefit of the insurance company.
On the contrary, the advantage of buying unpackaged insurance is that it is the cheapest and highest quality because it is the insurance that you take in the insurance you need and remove the unnecessary insurance.

■ Purchaser does not understand the guarantee

Insurance is invisible, so it's very difficult to understand. I don't understand, but there are many people in the family who say "it's better to have it". However, if you do not understand it that way, it is likely that it will become difficult later. The true value of life insurance is, if something really happens, whether or not the person or family can be protected properly.

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■ Summary

Life insurance pays money every month, but I was reminded that I continued to pay without knowing the details of the insurance. It is important for the insurance industry to create an environment that is easy for policyholders to understand, but I think that by having an attitude to understand insurance, we think that insurance will become even better. It was.

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