Tokyu Insurance Consulting

What Tokyu Insurance Consulting does

Tokyu Insurance Consulting Co., Ltd. (東急保険コンサルティング株式会社) is a Tokyo-based private insurance agency and consulting firm founded in 2001, operating as a subsidiary within the Tokyu Group conglomerate. The company places insurance and financial products on behalf of 34 affiliated carriers — 13 non-life insurers (including Mitsui Sumitomo Insurance, Sompo Japan, Tokio Marine Nichido, Aioi Nissay Dowa, AIG General), 17 life insurers (including AFLAC for cancer coverage), 4 small-amount short-term insurers, and 1 financial instruments business operator (Rakuten Securities). It serves three defined customer segments: corporate clients (enterprise risk consulting, retirement benefit design, inheritance and business succession planning), individual consumers (life planning, life insurance, property/casualty, mortgage advisory), and Tokyu Group employees and retirees through dedicated group insurance programs covering accident, cancer, auto, medical, fire/earthquake, GLTD, and term life coverage, administered via the Check-Off Navi salary-deduction web platform.

The company's product portfolio spans core advisory service lines (corporate insurance consulting, retirement planning, inheritance/business succession consulting) and a wide range of specific insurance products — group plans such as Ansamble (Mitsui Sumitomo), group auto, group cancer (AFLAC), GLTD (Sompo Japan), group medical, 3-disease coverage, Dream Life corporate pension, and individual net-complete products including 弁護士費用保険 (lawyer fees insurance at ¥340/month), ちょいのり保険 (one-day driver insurance), and overseas travel insurance. Technology infrastructure is limited to a web-based self-service layer: the Check-Off Navi platform for group insurance enrollment and premium status management, internet renewal services, online quotation tools, and Microsoft Teams–enabled consultations. No proprietary AI, ML, or data assets are disclosed.

The business model is commission-based agency intermediation. Revenue is generated through placement commissions on non-life, life, small-amount short-term, and financial products distributed to corporate and individual clients, plus inheritance support services. Pricing of underlying insurance products is set by the affiliated carriers; the company does not publicly price its advisory services. Go-to-market is sales-led through face-to-face advisory engagements, supplemented by seminars, direct employer-led group enrollment via salary deduction, and a web-based self-service channel for routine transactions. Marketing leverages the Tokyu Group brand and internal employee communication channels to reach the captive employee and retiree base. The company is headquartered at Shibuya Metro Building 4F, 1-16-14 Shibuya, Shibuya-ku, Tokyo, and operates within the Kanto region.

Name

Tokyu Insurance Consulting

Legal name

Tokyu Insurance Consulting Co., Ltd. (東急保険コンサルティング株式会社)

Website

https://tokyu-hoken.co.jp

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

Tokyu Insurance Consulting is a Tokyo-based insurance agency within the Tokyu Group that places products from 34 affiliated insurers and financial firms, serving corporate clients, individual consumers, and Tokyu Group employees and retirees through advisory, group insurance programs, and a check-off web platform.

Ownership category

akta.pro rank

Product category

Insurance Consulting & Brokerage

NAICS

Insurance Agencies and Brokerages (52421), Agencies, Brokerages, and Other Insurance Related Activities (5242), Management Consulting Services (54161)

SIC

Insurance Agents, Brokers & Service (6411), Services-Management Consulting Services (8742)

akta.pro primary industry

Employer Retirement Plan Advisory (401(k)/Pension) (FSAEABAE)

akta.pro secondary industries

Long-Term Disability (LTD) Insurance (FSAIAIAD), Insurance-Integrated Wealth Managers (RIA + Insurance Solutions) (FSAAACAI)

Keywords

• Insurance consulting
• Corporate risk management
• Life insurance brokerage
• Group insurance programs
• Financial planning advisory

Headquarters

HQ city

Tokyo

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, Technology or R&D

Revenue model

1. Insurance agency commissions: The company operates as an insurance agency earning commissions from multiple affiliated insurance companies. Revenue is generated through the placement of non-life insurance, life insurance, small-amount short-term insurance, and financial products for corporate and individual clients. The company also offers inheritance support services and financial product intermediary services.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Tokyu Insurance Consulting is a multi-carrier insurance agency and consulting firm placing property/casualty, life, small-amount short-term insurance, and financial products on behalf of 34 affiliated providers. It delivers corporate insurance consulting, retirement benefit consulting, and inheritance/business succession planning to business clients, and life planning, life/property insurance, and mortgage advisory to individuals. The firm also administers comprehensive group insurance programs exclusively for Tokyu Group employees and retirees, supported by a web-based self-service platform.

Product overview

Tokyu Insurance Consultingは、東急グループに属する保険代理店で、法人顧客向けリスクコンサルティング、退職・遺産相談サービスと、個人顧客向けライフプランニング・保険相談サービスを提供しています。また、東急グループ社員・退職者向けの「あんさんぶる」「団体自動車保険」「火災保険」「がん保険」「GLTD」「団体定期保険」「総合医療保険」「3大疾病保障保険」「ドリームライフ」などの団体保険一套商品を運営しています。さらに、弁護士費用保険「わたしの弁護士」（月額340円）や「ちょいのり保険」「海外旅行保険」などのインターネット完結型保険商品も取扱い。顧客管理システムとして「チェックオフなび」を提供し、給与天引による保険管理を実現しています。

Differentiator

Problem solved

Functional benefit

Brands

• Tokyu ほけんのコンシェルジュ (Tokyu Insurance Concierge): Insurance concierge service for Tokyu Group employees and customers

Products and services

• Corporate Insurance Consulting Services (法人向け保険サービス) Insurance consulting services for corporate clients covering enterprise insurance consulting, retirement benefit consulting, and inheritance/business succession consulting. Designed to protect the company and employees while fulfilling management commitments to stakeholders.
• Individual Insurance Services (個人向け保険サービス) Insurance consulting services for individual customers covering life planning, life insurance, property/casualty insurance, and mortgage loan advisory. Addresses personal risk management, financial security, and life-stage planning needs.
• Tokyu Group Employee and Retiree Group Insurance Program (東急グループの社員様・退職者様) Dedicated group insurance suite for Tokyu Group employees and retirees, including accident insurance, cancer insurance, automobile insurance, medical insurance, and fire/earthquake insurance coordinated through employer benefit systems with salary deduction.
• Ansamble Group Comprehensive Living Compensation Insurance (あんさんぶる) Standard-type group comprehensive living compensation insurance placed through Mitsui Sumitomo Insurance, providing injury compensation benefits for accidents in daily life. Targeted at Tokyu Group employees.
• Group Discounted Automobile Insurance (団体扱自動車保険) Group-rate automobile insurance placed through Mitsui Sumitomo Insurance, Sompo Japan Insurance, Aioi Nissay Dowa Insurance, and Tokio Marine Nichido for Tokyu Group employees and related parties.
• Fire Insurance and Earthquake Insurance (火災保険・地震保険) Property damage coverage from fire and earthquake placed through Mitsui Sumitomo Insurance, Sompo Japan Insurance, Aioi Nissay Dowa Insurance, and Tokio Marine Nichido for group program and individual clients.
• Cancer Insurance via AFLAC (がん保険（アフラック）) AFLAC-placed cancer insurance covering diagnosis benefits and hospitalization benefits to support cancer treatment, offered to Tokyu Group employees and retirees with a dedicated claims contact center.
• Group Long-Term Disability Insurance (GLTD) (団体長期障害所得補償保険) Group insurance providing income protection benefits for prolonged inability to work due to illness or injury, placed through Sompo Japan Insurance.
• Group Term Life Insurance (団体定期保険) Group term life insurance for employees providing death coverage in the event of death.
• Group Comprehensive Medical Insurance (総合医療保険（団体型）) Group-type medical insurance providing coverage for medical expenses including hospitalization and surgery.
• Three Major Illness Insurance - Group Type (3大疾病保障保険（団体型）) Group insurance providing coverage for the three major illnesses: cancer, acute myocardial infarction, and stroke.
• Dream Life Funded Corporate Pension Insurance (ドリームライフ（拠出型企業年金保険（Ⅰ））) Contribution-type funded corporate pension insurance, offered as a retirement benefit option for corporate clients.
• Watashi no Bengoshi Lawyer Fees Insurance (わたしの弁護士) Comprehensive internet-complete insurance product bundling lawyer fees insurance, personal liability insurance, and legal consultation expense coverage. Monthly premium ¥340 covers up to ¥1 million in lawyer fees, with coverage for both plaintiffs and defendants.
• Choinoori Insurance (ちょいのり保険) Short-term daily-unit driver automobile insurance that can be purchased and used on-demand via smartphone, placed through Tokio Marine Nichido.
• Overseas Travel Insurance (海外旅行保険) Overseas travel insurance placed through Mitsui Sumitomo Insurance providing coverage for medical and accident risks while traveling abroad.
• Check-Off Navi Salary Deduction Insurance Management Service (チェックオフなび) Web-based member service for managing insurance enrollments through salary deduction, allowing members to confirm insurance premium deduction status and reconciliation.
• Tokyu Insurance Concierge (東急 ほけんのコンシェルジュ) Personalized insurance concierge advisory service for Tokyu Group employees and customers, providing tailored insurance support.

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Eight partnerships are on record, tiered core.

• Aioi Nissay Dowa Insurance (あいおいニッセイ同和損害保険株式会社)coreChannel Partner/ Reseller/ DistributorOne of 13 affiliated non-life insurance companies through which Tokyu Insurance Consulting places property and casualty insurance products for corporate and individual clients.
• AIG General Insurance (AIG損害保険株式会社)coreChannel Partner/ Reseller/ DistributorOne of 13 affiliated non-life insurance companies. Products placed include property, casualty, and specialty insurance through Tokyu Insurance Consulting's agency.
• Mitsui Sumitomo Insurance (三井住友海上火災保険株式会社)coreChannel Partner/ Reseller/ DistributorLead insurer forTokyu Group's Ansamble group insurance program. Also a major non-life insurance partner offering automobile, fire, and comprehensive coverage. The company's largest non-life insurance partner with significant sales volume.
• Sompo Japan Insurance (損害保険ジャパン株式会社)coreChannel Partner/ Reseller/ DistributorOne of the primary non-life insurance partners forTokyu Group group insurance programs including automobile and fire insurance. Also provides GLTD (group long-term disability) coverage.
• Tokyo Marine Nichido Fire Insurance (東京海上日動火災保険株式会社)coreChannel Partner/ Reseller/ DistributorOne of the primary non-life insurance partners, providing automobile insurance, fire insurance, and earthquake insurance forTokyu Group group programs and individual clients.
• AFLAC (アフラック)coreChannel Partner/ Reseller/ DistributorProvider of cancer insurance offered toTokyu Group employees and retirees as part of the group insurance program, with dedicated claims contact center for policyholders.
• Rakuten Securities (楽天証券株式会社)coreChannel Partner/ Reseller/ DistributorThe sole affiliated financial instruments business operator (金融商品取引業者), enabling Tokyu Insurance Consulting to provide financial product intermediary services alongside its insurance offerings.
• Tokyu Group companies (東急グループ各社)coreStrategic or Co-development PartnerTokyu Insurance Consulting is an integral part of theTokyu Group, providing exclusive group insurance programs toTokyu Group employees and retirees. The company leverages theTokyu Group brand and internal communication channels for marketing group insurance products.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Hoken-no-Madoguchi (保険の窓口): Japan's largest insurance agency chain, operating a nationwide network of insurance consultation shops offering multi-carrier life, property, and casualty insurance placement. Directly comparable as a multi-carrier insurance brokerage serving both individual and corporate clients with commission-based revenue.
• Hoken-Minaoshi Honpo (保険見直し本舗): Operated by Innovation Inc., this is a major Japanese insurance comparison and brokerage chain offering life, cancer, and medical insurance advisory across multiple carriers. Directly comparable in multi-carrier brokerage model, sales-led advisory motion, and consumer-facing consulting services.
• Hoken Clinic (保険クリニック): Insurance consulting chain operating across Japan with multi-carrier life and non-life insurance brokerage, plus inheritance and asset advisory services. Comparable in the integration of insurance brokerage with broader financial consulting for individuals.
• Advance Create Co., Ltd. (アドバンスクリエイト): Listed Japanese insurance agency focused on life insurance comparison and brokerage via online and in-person channels. Comparable in multi-carrier commission-based revenue model, individual customer focus, and technology-enabled insurance distribution.
• Hoken Terrace (保険テラス): Insurance agency chain operated by Tokio Marine & Nichido, offering multi-carrier life and non-life insurance placement through nationwide shop network. Comparable as an insurance agency offering face-to-face consulting and multi-line product placement.

Broad incumbents

• Tokio Marine Holdings: Japan's largest P&C insurer group and a key carrier partner of Tokyu Insurance Consulting. Operates across life, non-life, and asset management globally with overlapping capabilities in insurance distribution but at vastly greater scale and with underwriting capability.
• Sompo Holdings: Major Japanese insurance holding group providing P&C, life, and nursing care insurance, and a core carrier partner of Tokyu Insurance Consulting (notably for GLTD). Overlapping capability in commercial and group insurance distribution at much larger scale.
• MS&AD Insurance Group Holdings: Japanese insurance holding group comprising Mitsui Sumitomo Insurance and Aioi Nissay Dowa — both of which are carrier partners of Tokyu Insurance Consulting. Operates across life and non-life insurance distribution at national and global scale.

Emerging players

• Rakuten Insurance Planning: Rakuten Group's insurance agency business, comparable through the existing Rakuten Securities partnership that Tokyu Insurance Consulting leverages. Represents a digital-first, ecosystem-anchored approach to multi-carrier insurance distribution.
• SBI Insurance Co., Ltd. SBI Group's insurance arm offering direct and digital-first life insurance products with growing distribution partnerships. Comparable as a digital-enabled insurance distributor competing for the same Japanese consumer and corporate customers through non-traditional channels.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Tokyu Insurance Consulting