I-NET

What I-NET does

I-NET (株式会社アイネット) is a privately held, family-owned insurance agency headquartered in Higashi-ku, Fukuoka City, Japan. Founded in 1969 by Susumu Mishima as a third-party agency for Asahi Fire & Marine Insurance, the firm converted to a limited liability company in 2001 and to its current joint-stock corporation form in 2008. The business is operated primarily by a husband-and-wife team — Senior Managing Director Eguchi Tokikuni and Life Insurance Advisor Eguchi Chisato — with founder Mishima Susumu continuing as Representative Director.

The agency acts as a multi-carrier intermediary representing 3 property & casualty insurers (Nisshin Fire, Mitsui Sumitomo Marine, Rakuten General) and 6 life insurers (MetLife, Aflac, Orix Life, Mitsui Sumitomo Aioi Life, SOMPO Himawari, Axa Life). Its product portfolio spans automobile (including dashcam-equipped and 1-Day temporary coverage), fire, earthquake, medical, cancer, accident, bicycle liability, overseas travel, savings/variable, and corporate liability/workers' compensation insurance. There is no proprietary technology, no API, and no AI/ML component — distribution and advisory are conducted through in-person meetings, phone (0120-595-558), LINE messaging, and an SEO/content-marketing blog.

I-NET monetizes through commissions paid by partnered carriers on policies sold and renewed. Customer acquisition relies on free no-pressure consultations, organic search, blog content, and word-of-mouth. Disclosed operating metrics include 100+ accident response cases annually, a policy continuation rate above 90%, and 200+ cumulative household consultations, with policy reviews reported to save clients approximately ¥200,000 annually in premiums. Service is exclusively domestic (Kyushu/Fukuoka), with no disclosed revenue, no institutional investors, and no M&A or expansion activity.

Name

I-NET

Legal name

株式会社アイネット

Website

https://inet-inc.com

Company type

Private

Founded year

1969

Operating status

Operating

Headcount range

11–50 employees

Short description

I-NET (株式会社アイネット) is a family-owned, multi-carrier insurance agency in Fukuoka, Japan, founded in 1969. It intermediates property/casualty and life insurance products from 9 partner carriers to individual households and local corporate clients through free in-person, phone, and LINE consultations.

Ownership category

akta.pro rank

Product category

Insurance Agency Services

NAICS

Insurance Agencies and Brokerages (524210), Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242)

SIC

Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Specialty Insurance Brokerage (Marine, Aviation, Cyber, Professional Lines) (FSAEADAJ)

Keywords

• Insurance agency services
• Property casualty insurance
• Life insurance brokerage
• Corporate risk coverage
• Insurance advisory consulting

Headquarters

HQ city

Fukuoka

HQ country

Japan

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Insurance agency commissions: The company acts as an insurance agency (損害保険および生命保険の代理店), earning commissions on property/casualty insurance policies (where it holds policy conclusion rights and acceptance rights) and life insurance policies (where it acts as an intermediary without acceptance rights). Revenue is generated through commissions paid by partnered insurance companies on policy sales and renewals.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels4 records

Core offering

I-NET is a multi-carrier insurance agency (保険代理店) representing 3 property/casualty insurance companies and 6 life insurance companies. It sells and intermediates insurance policies covering automobile, fire, earthquake, medical, cancer, accident, liability, and savings-linked products to both individual consumers and corporate clients, earning commissions on policy issuance and renewals. The agency differentiates through free no-pressure advisory consultations, 365-day accident response, policy review/optimization, and hands-on claims documentation support.

Product overview

I-NET (株式会社アイネット) is a traditional insurance agency founded in 1969 and headquartered in Fukuoka, Japan, operating as a multi-insurer agency representing 3 non-life insurance companies and 6 life insurance companies. The company offers a broad portfolio of insurance products organized around two customer segments: individual consumers (requiring automobile, fire, earthquake, medical, cancer, personal liability, accident, bicycle, travel, and savings/investment-linked insurance) and corporate clients (requiring liability, fleet automobile, workers' compensation, and business continuity coverage). Key individual products include 自動車保険 (automobile insurance with dashcam-equipped and 1DAY temporary coverage options), 火災保険/地震保険 (fire and earthquake insurance), 医療保険 with specialized がん保険 and 認知症保険 sub-products, 傷害保険 (accident insurance), and 貯蓄型保険/変額保険 (savings and variable insurance). Corporate offerings center on 賠償保険 (liability insurance) and 法人向け火災・自動車保険. The agency differentiates through free consultation services, 24/7 accident support, and paper-based claim assistance. No public API or AI/ML-powered features are offered.

Differentiator

Problem solved

Functional benefit

Products and services

• Automobile Insurance (自動車保険) Comprehensive automobile insurance covering vehicle damage, third-party liability, personal injury, and driver coverage, with options including 24/7 accident support, lawyer fee provisions, dashcam-equipped plans, and 1-day temporary coverage. Targeted at individual vehicle owners and corporate fleet clients.
• Fire Insurance (火災保険) Property insurance covering fire, water damage, theft, and related perils for residential and commercial buildings, with plans customized by location, building specifications, and household composition. For homeowners and businesses.
• Earthquake Insurance (地震保険) Supplementary insurance covering earthquake-related damage to buildings and contents, providing coverage up to 50% of fire insurance value and required separately from standard fire insurance. For property owners.
• Medical Insurance (医療保険) Health insurance providing coverage for hospitalization, surgery, and medical treatment, with lump-sum hospitalization benefits, women-specific medical coverage for breast and cervical cancer, and products for applicants with pre-existing conditions. For individuals and families.
• Cancer Insurance (がん保険) Specialized cancer insurance covering cancer diagnosis, hospitalization, surgery, outpatient treatment, anticancer drug therapy, hormonal therapy, and advanced medical treatments. Covers both inpatient and outpatient care regardless of hospitalization status. For individuals concerned about cancer risk.
• Accident Insurance (傷害保険) Personal accident insurance covering injuries from daily life, traffic accidents, and club activities with 24-hour worldwide coverage, including compensation for medical visits, hospitalization, surgery, death, and disability. Available in individual, couple, and family plans with term and maturity-return types.
• Bicycle Insurance (自転車保険)

Quantifiable outcome

• Policy continuation rate exceeding 90%
• +2 more outcomes

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Nine partnerships are on record, tiered core and minor.

• 日新火災海上保険株式会社 (Nisshin Fire Insurance)coreChannel Partner/ Reseller/ DistributorProperty/casualty insurance carrier. I-NET acts as an agent for Nisshin Fire Insurance products including fire insurance, corporate liability insurance, and specialty coverage such as the 'Compensation for Resolution of Compensation Accidents' rider.
• 三井住友海上火災保険株式会社 (Mitsui Sumitomo Marine Insurance)coreChannel Partner/ Reseller/ DistributorMajor property/casualty insurance carrier. Provides automobile, fire, and casualty insurance products through I-NET's agency. Notable for the 1-DAY insurance product for temporary vehicle use.
• 楽天損害保険株式会社 (Rakuten General Insurance)minorChannel Partner/ Reseller/ DistributorProperty/casualty insurance carrier offering online-accessible insurance products.
• メットライフ生命保険株式会社 (MetLife Insurance)coreChannel Partner/ Reseller/ DistributorLife insurance carrier offering life, medical, and cancer insurance products.
• アフラック的生命保険株式会社 (Aflac)coreChannel Partner/ Reseller/ DistributorLife insurance carrier specializing in cancer and medical insurance products, available through I-NET.
• オリックス 생명보험 (Orix Life Insurance)minorChannel Partner/ Reseller/ DistributorLife insurance carrier offering insurance products through I-NET's agency.
• 三井住友海上あいおい 생명보험 (Mitsui Sumitomo Aioi Life Insurance)minorChannel Partner/ Reseller/ DistributorLife insurance carrier (joint venture) offering life and medical insurance products.
• SOMPOひまわり 생명보험 (SOMPO Himawari Life Insurance)minorChannel Partner/ Reseller/ DistributorLife insurance carrier offering life and health insurance products.
• アクサ 생명보험 (Axa Life Insurance)minorChannel Partner/ Reseller/ DistributorLife insurance carrier offering variable insurance products for asset formation. Handling started in July 2021.

Scale indicators4 records

Recent moves5 records

Expansion highlights5 records

Direct peers

• 保険見直し本舗 (Hoken Minaoshi Honpo): One of Japan's largest multi-carrier insurance agencies, operating hundreds of physical consultation shops nationwide. Directly comparable to I-NET as a multi-line insurance brokerage targeting both individual households and SMEs, though at vastly greater scale.
• 保険の窓口 (Hoken-no-Madoguchi): Major Japanese insurance shop chain offering multi-carrier consultation for life and non-life insurance. Operates a similar multi-line advisory model to I-NET and competes for the same household and small-business customer segment.
• 保険ほっとライン (Hoken Hot Line): National Japanese insurance agency chain with storefronts offering multi-carrier consultations. Direct competitor in the household insurance advisory market with comparable no-pressure consultation positioning.
• アドバンスクリエイト (Advance Create): Listed Japanese insurance agency operating a multi-carrier consulting model with both physical and online channels. Comparable in product breadth and target customer but uses a more technology-enabled acquisition funnel than I-NET.
• イオン保険サービス (AEON Insurance Services): Insurance arm of AEON Group offering multi-line insurance products through retail locations and digital channels. Competes in the same household insurance segment with broader brand reach but less personalized advisory.

Broad incumbents

• SOMPOホールディングス (SOMPO Holdings): One of Japan's largest P&C insurance groups; owns SOMPO Himawari Life (one of I-NET's carrier partners). A broad incumbent that competes both as a carrier and increasingly through direct/captive agency channels, compressing traditional agents' position.
• 三井住友海上 (Mitsui Sumitomo Insurance): Japan's largest P&C insurer and a core carrier partner of I-NET. Represents the structural counterparty risk: as carriers invest in direct sales and digital channels, traditional agents like I-NET face commission pressure.
• アフラック (Aflac Japan): Major cancer and medical insurance carrier in Japan and one of I-NET's core life insurance partners. A broad incumbent whose direct salesforce (traditional Aflac associates) competes with agency channels for the same individual customer.

Emerging players

• 楽天保険グループ (Rakuten Insurance Group): Digital-first insurance arm of Rakuten offering online-accessible P&C and life products; I-NET actually distributes Rakuten General Insurance as a minor partner. Represents the emerging direct/online model that competes for the same household customers via mobile-first experience.
• 株式会社リスクモンスター (RiskMonster): Japanese corporate risk management and compliance data provider serving SMEs. Adjacent rather than direct competitor, but signals the direction of insurance-adjacent value-added services that pure agency models like I-NET could expand into.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about I-NET