What Central Partners does

Central Partners Corporation (株式会社セントラルパートナーズ) is a multi-insurer (乗合) insurance agency founded in January 2006 and headquartered in Ogaki, Gifu Prefecture, Japan. The company operates as a wholly-owned subsidiary of Sakai Holdings (株式会社サカイホールディングス) and serves as the core insurance and financial services entity within that diversified group's portfolio. Central Partners represents nine insurance carriers—MetLife, Aflac, AXA Life, Asahi Life, FWD Life, Nanairo Life, Orix Life, Aioi Nissay Dowa, and American Home—enabling it to offer life insurance, health/cancer/medical insurance, third-sector (injury and illness long-term care) insurance, and property and casualty products. The company does not underwrite or develop its own products; it functions as a distribution and advisory intermediary, earning transaction-fee commissions on new policy sales and likely on renewals. The business is built on a "not-push" philosophy, with the company explicitly stating that it will recommend not purchasing insurance when it is not appropriate for the customer's circumstances.

The company employs 130 staff as of March 31, 2026, distributed across four branches: Gifu (headquarters), Aomori (Tohoku branch, opened 2008), Niigata (opened 2013), and Osaka (opened April 2025). It operates a three-channel go-to-market model—telemarketing via in-house call centers, in-person/door-to-door visit sales, and online proposal-based sales—with a team-based (non-individual-quota) sales structure. Approximately 90% of staff joined without prior insurance industry experience, supported by a robust training and onboarding system. The technology stack is modest: call recording systems for quality monitoring, SSL-encrypted communications, and firewall-based data security. Marketing is primarily conducted through the corporate website and a dedicated recruitment microsite, with growth driven by customer referrals rather than paid acquisition.

Central Partners operates exclusively in the Japanese domestic market, with no claimed international footprint. The company holds several notable certifications: JIPDEC Privacy Mark (since 2013), the highest-level 3rd-stage Eruboshi certification for women's active participation (2023), and the 2025 fiscal year Certified Agency designation under the Life Insurance Association of Japan's Multi-Agency Business Quality Evaluation System. No revenue is disclosed in any public source material, and the company is privately held with no external investors.

Name

Central Partners

Legal name

株式会社セントラルパートナーズ

Website

https://central-partners.co.jp

Company type

Private

Founded year

2006

Operating status

Operating

Headcount range

101–250 employees

Short description

Central Partners is a multi-insurer insurance agency in Japan, representing nine insurance carriers across life, health, and casualty lines. Founded in 2006, it serves individual consumers through four branches in Gifu, Aomori, Niigata, and Osaka, earning commissions on policy sales.

Ownership category

akta.pro rank

Headquarters

HQ city

Ogaki

HQ country

Japan

HQ region

Asia

Offices4 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure, Others

Revenue model

1. Insurance Agency Commissions: Central Partners earns commissions from multiple insurance companies (MetLife, Aflac, AXA, Asahi Life, FWD Life, Nanairo Life, Orix Life, Aioi Nissay Dowa, American Home) for life insurance and damage/health insurance products sold to customers. As a multi-insurer (乗合) agency, commissions are earned on new policy sales and potentially renewal premiums.

Go-to-market motion3 records

Distribution channels3 records

Marketing channels4 records

Core offering

Central Partners operates as a multi-insurer (乗合) insurance agency that consults with individual consumers and recommends suitable policies from nine partner insurance companies across life insurance, cancer insurance, medical insurance, third-sector (injury/care) insurance, and property & casualty insurance. Services are delivered through an in-house call center, in-person visits at four branch offices, and online proposal channels, with ongoing post-sale policy reviews tied to life-stage changes.

Product overview

Central Partners is an insurance agency (乗合代理店) that provides insurance consulting services to customers across four locations in Japan (Gifu, Aomori, Niigata, and Osaka prefectures). The company does not offer a single unified product or platform; rather, it serves as an intermediary between customers and multiple insurance companies, recommending optimal insurance products from its partnered insurers. Services are delivered through multiple channels: telemarketing (電話銷售), door-to-door sales (訪問販売), and online consultations. The company specializes in life insurance, cancer insurance, medical insurance, and injury/disease insurance (第三分野/傷害疾病介護保険). The core offering is insurance consultation and sales support, facilitated by professional staff who analyze customer needs and propose appropriate coverage from their network of partner insurance companies.

Differentiator

Problem solved

Functional benefit

Products and services

• Multi-Insurer Life Insurance Agency Services
• Cancer and Medical Insurance Consultation Services
• Property & Casualty / Damage Insurance Agency Services
• Telephone Insurance Consultation (Call Center Sales)

Quantifiable outcome

• Certified as a 2025 Life Insurance Multi-Agency Business Quality Evaluation Agency, meeting all basic evaluation criteria

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered core and supporting.

• 株式会社サカイホールディングス (Sakai Holdings)coreOthersSakai Holdings is the parent company of Central Partners. Central Partners was established in January 2006 with capital investment from SKI (現サカイホールディングス), and underwent a group reorganization in 2022 transitioning to a new management structure. Central Partners serves as the core insurance and financial services entity within the Sakai Holdings group, which operates diverse businesses in telecommunications, mobile, and life support services.
• メットライフ生命 (MetLife Life Insurance)coreChannel Partner/ Reseller/ DistributorMetLife Life Insurance is one of the 9 insurance companies represented by Central Partners. The company registered as an Alico (now MetLife) agent in 2006, achieved top-agent status (SGC) in 2013, and hosts its Niigata branch office in the MetLife Niigata Telecom Building.
• アフラック (Aflac Life Insurance)coreChannel Partner/ Reseller/ DistributorAflac is handled from 2009. Central Partners achieved multiple agent promotions: regular agent (2009), special agent (2010), cancer insurance agent (2011), and special cancer insurance agent (2013).
• アクサ生命 (AXA Life Insurance)coreChannel Partner/ Reseller/ DistributorAXA Life Insurance is handled from 2013. The company's Osaka branch is located in the AXIS South Yotsubashi Building, and AXA logos are featured prominently on the business page.
• 朝日生命 (Asahi Life Insurance)coreChannel Partner/ Reseller/ DistributorAsahi Life Insurance handling started in 2017, expanding the multi-insurer portfolio.
• FWD生命 (FWD Life Insurance)coreChannel Partner/ Reseller/ DistributorFWD Life Insurance (formerly FWD Fuji Life) handling began in 2017. Central Partners co-organized an Orange Ribbon Campaign donation with FWD Life in 2025, receiving a certificate of appreciation.
• なないろ生命 (Nanairo Life Insurance)supportingChannel Partner/ Reseller/ DistributorNanairo Life Insurance handling started in 2021, part of the expanded third-sector and specialized insurance offerings.
• オリックス生命 (Orix Life Insurance)supportingChannel Partner/ Reseller/ DistributorOrix Life Insurance handling started in 2021, expanding the range of insurance products available to customers.
• あいおいニッセイ同和損害保険 (Aioi Nissay Dowa Insurance)supportingChannel Partner/ Reseller/ DistributorAioi Nissay Dowa non-life insurance handling started in 2019, expanding from life insurance into property and casualty coverage.
• アメリカンホーム医療・損害保険 (American Home Medical & Casualty Insurance)supportingChannel Partner/ Reseller/ DistributorAmerican Home Insurance handling started in 2011, expanding the company's non-life insurance capabilities.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Direct peers

• Advance Create Co., Ltd. (アドバンスクリエイト): Publicly listed (TSE: 8798) Japanese insurance agency operating as a multi-insurer 乗合代理店 with web, call center, and field sales channels. Highly comparable to Central Partners as a larger-scale direct competitor in the same multi-carrier retail agency segment.
• Hoken Clinic (保険クリニック): Japanese insurance agency chain offering multi-carrier insurance consultations through physical retail locations nationwide. Comparable to Central Partners in business model, target market (individual consumers), and multi-carrier brokerage approach.
• Hoken Design (保険デザイン): Japanese insurance agency serving individual consumers with multi-carrier offerings. Comparable to Central Partners in business model (multi-carrier retail agency) and target customer (individual consumers seeking life and P&C coverage).
• Mitsuba Insurance Consulting (みつば保険コンサルティング): Japanese multi-insurer insurance agency providing life, medical, and cancer insurance through in-person and online sales channels. Comparable to Central Partners in core service offerings (life/medical/cancer) and target customer (individual consumers).
• Hoken Hot Line (保険ほっとライン): Japanese insurance agency offering multi-carrier insurance consultations through its retail and digital channels. Comparable to Central Partners in business model and target market of individual consumers purchasing life and medical insurance.
• Hoken-no-Madoguchi (保険の窓口): One of Japan's largest multi-insurer retail agency chains, subsidiary of Tokio Marine. Comparable to Central Partners as a leading multi-carrier agency serving individual consumers across Japan, though at significantly larger national scale.
• Hoken Mitoshi Honpo (保険見直し本舗): Multi-insurer insurance agency operating retail locations across Japan, offering life and non-life insurance products from multiple carriers. Directly comparable to Central Partners as both are Japanese 乗合代理店 serving individual consumers with multi-carrier agency models.

Broad incumbents

• SBI Insurance Group (SBIインシュアランスグループ): Insurance holding company of SBI Group offering life, non-life, and specialty insurance products in Japan. Comparable to Central Partners as it operates in the Japanese insurance market but at much larger scale across multiple insurance lines and distribution channels.

Emerging players

• Lifenet Insurance (ライフネット生命保険): Direct-to-consumer online life insurer in Japan (TSE: 7157). Adjacent competitor — serves the same customer base (individual life insurance buyers) but with a fundamentally different digital-first distribution model versus Central Partners' human-led multi-channel approach.
• WebCrew (ウェブクルー): Operates 保険市場, a leading online insurance comparison and brokerage platform in Japan. Adjacent peer — serves the same individual insurance buyer base but as an online comparison/marketplace rather than a multi-carrier agency with in-person sales.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 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 Central Partners