Gift Your Life

What Gift Your Life does

Gift Your Life Co., Ltd. (ギフトユアライフ株式会社) is a privately held Japanese financial planning services firm founded in January 2013 by Kohei Toyofuku and headquartered in Ginza, Tokyo. The company operates a multi-line advisory platform spanning insurance solicitation (life, casualty, fire, cyber, and specialty products), securities intermediation (iDeCo and NISA accounts), real estate consulting, career placement for financial professionals, and welfare services including elderly monitoring partnerships with municipal governments. Revenue is generated through transaction commissions on insurance and securities sales, supplemented by professional services fees from seminars, career consultation, and welfare engagements.

The company distributes its services through a nationwide network of 17+ branch offices across Hokkaido, Tohoku, Kanto, Chubu, Kansai, Chugoku, and Kyushu, supported by online consultation channels and a nationwide seminar program exceeding 2,000 cumulative events and targeting 500+ seminars per year. Insurance products are offered under authorized agency relationships with 13+ major Japanese carriers including Sompo Japan, Tokio Marine, and Mitsui Sumitomo, while securities products flow through partnerships with SBI Securities and (until late 2025) Sony Bank. The firm emphasizes content marketing through authored books on women's finance and NISA/iDeCo topics, university lectures, and media appearances.

Primary customers are individual households seeking comprehensive financial planning, with secondary segments including corporate clients (employee benefits, business succession) and women in life-transition stages. The firm cultivates talent through MDRT-qualified planners and a dedicated Seminar Division, but operates without proprietary technology platforms, AI/ML capabilities, or external institutional capital.

Name

Gift Your Life

Legal name

Gift Your Life株式会社

Website

https://gyl.jp

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

101–250 employees

Short description

Gift Your Life is a privately held Japanese financial planning firm founded in 2013, offering insurance, securities (iDeCo/NISA), real estate, and seminar services to individual households and corporate clients through 17+ nationwide branches and licensed partnerships with major Japanese carriers.

Ownership category

akta.pro rank

Headquarters

HQ city

Tokyo

HQ country

Japan

HQ region

Asia

Offices21 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Insurance Business: Commissions from life insurance, damage insurance, and small-amount short-term insurance sales through licensed agents and sales representatives. Insurance products include automobile, fire, casualty, and specialty insurance (cycle, golfer, cyber, rental).
2. Securities Business: Financial product intermediary services including iDeCo (defined contribution pension), NISA (tax-free investment accounts), and general securities advisory through partnerships with financial institutions. Commission-based revenue from financial product sales.
3. Real Estate Business: Real estate sales and advisory services, including assistance with rental property insurance for tenants.
4. Seminar/Education Business: Educational seminars on financial planning, investment, insurance, retirement planning, and personal development. Revenue from seminar fees and corporate training engagements.
5. Career Consultation Business: Human resources placement and career consultation services.
6. Welfare Services: Social welfare-related services, including elderly monitoring network partnerships with local governments.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels5 records

Core offering

Gift Your Life is a multi-line financial services firm that solicits life, damage, and specialty insurance from major Japanese carriers, intermediates investment products such as iDeCo and NISA accounts, and provides real estate, career placement, welfare, and financial education seminar services. Operations are delivered through a nationwide branch network of licensed sales representatives supported by in-person consultations and seminars.

Product overview

Gift Your Life is a financial planning services company offering a multi-business portfolio centered on insurance solicitation, securities investment products, real estate services, and seminar education. The core insurance business serves both individual and corporate clients through partnerships with major Japanese insurers. The securities division provides iDeCo (GYL iDeCo) and NISA accounts (GYL NISA) for tax-advantaged retirement and investment planning. The seminar business has delivered over 2,000 financial education seminars nationwide. Additional services include career placement, welfare programs including elderly monitoring network partnerships with municipal governments, and property-related consulting. The company operates nationwide through branch offices in major Japanese cities.

Differentiator

Problem solved

Functional benefit

Brands

• セミナー事業部: Seminar business division operating under gyl-sm.jp

Products and services

• Insurance Business (保険事業)

Quantifiable outcome

• Over 2,000 financial seminars conducted to date
• +2 more outcomes

Named customers3 records

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

14 partnerships are on record, tiered core and minor.

• Sony Bank (ソニー銀行)coreStrategic or Co-development Partner · 7 November 2022Business alliance for banking agency and financial product intermediary services. Sony Bank and Gift Your Life collaborated on providing banking and investment products to customers. Partnership ended September 2025 for banking agency services and October 2025 for financial product intermediary services.
• SBI Securities (SBI証券)coreChannel Partner/ Reseller/ DistributorSecurities distribution partnership enabling Gift Your Life to offer SBI Securities investment products including iDeCo and NISA accounts to customers.
• Sompo Japan (損保ジャパン)coreChannel Partner/ Reseller/ DistributorAuthorized insurance agency relationship for Sompo Japan insurance products including automobile, fire, and casualty insurance.
• Tokio Marine (東京海上日動火災保険)coreChannel Partner/ Reseller/ DistributorAuthorized insurance agency relationship for Tokio Marine insurance products.
• Mitsui Sumitomo Insurance (三井住友海上)coreChannel Partner/ Reseller/ DistributorAuthorized insurance agency relationship for Mitsui Sumitomo insurance products.
• Mitsui Direct Insurance (三ツ井ダイレクト損保)minorChannel Partner/ Reseller/ DistributorInsurance agency relationship for direct insurance products.
• Rakuten Insurance (楽天損保)minorChannel Partner/ Reseller/ DistributorInsurance agency relationship for Rakuten insurance products.
• Nisshin Fire Insurance (日新火災)minorChannel Partner/ Reseller/ DistributorInsurance agency relationship for Nisshin Fire insurance products including rental property insurance.
• Azul Claro Numazu (アスルクラロ沼津)minorGTM or Marketing PartnerSponsorship of J3 league soccer club regional community events. Demonstrates community engagement and local marketing presence in Shizuoka prefecture.
• Mishima City, Shizuoka (静岡県三島市)coreOthersPartnership for elderly monitoring network initiative to support early detection of at-risk elderly residents and prevent social isolation. Part of broader corporate social responsibility.
• Nagaizumi Town, Shizuoka (静岡県長泉町)coreOthersElderly monitoring network partnership similar to Mishima City initiative.
• Neyagawa City, Osaka (大阪府寝屋川市)coreOthersElderly monitoring network partnership to support community safety and early intervention for elderly residents.
• Fujimino City, Saitama (埼玉県ふじみ野市)coreOthersParticipation in Fujimin Monitoring Network as cooperating organization to support regional safety.
• Japan Tennis Business Association (公益財団法人日本tennis事業協会)minorOthersCEO Toyofuku Kouhei serves as board director, demonstrating leadership in sports business community.

Scale indicators5 records

Recent moves11 records

Expansion highlights5 records

Others

• Mitsui Sumitomo Insurance: One of Japan's largest P&C insurers and a key distribution partner of GYL. Included as the carrier-side counterparty that defines part of GYL's commission revenue base.

Broad incumbents

• SBI証券 (SBI Securities): Japan's largest online securities broker and GYL's distribution partner for iDeCo/NISA. Represents the large incumbent in the securities intermediary space that GYL resells through.

Direct peers

• 保険デザイン: Independent insurance agency with multi-carrier consulting model. Comparable in offering face-to-face multi-carrier insurance advisory to individual households in Japan.
• Hoken-no Madoguchi (保険のマド): Operates Japan's largest chain of independent insurance agency storefronts. Directly competes with GYL in the multi-carrier P&C and life insurance agency segment via in-person consultation.
• 保険見直し本舗: Insurance agency chain focused on policy review and replacement consultations. Competes with GYL on the same customer pain point of insurance coverage confusion across carriers.
• 保険ほっとライン: Independent insurance agency chain with nationwide branch network offering multi-carrier life and P&C insurance solicitation. Directly comparable in distribution model and target customer.
• 保険クリニック: Multi-carrier insurance agency chain providing comparative consultation across insurers. Directly comparable in face-to-face multi-carrier advisory and Japanese domestic focus.

Emerging players

• Hoken-no Machi (保険の街): Insurance marketplace/aggregrator offering online comparison across carriers. Represents the digital alternative to GYL's face-to-face advisory model in the same retail insurance market.
• ZUU Consulting: Financial advisor platform and consulting firm supporting independent FPs in Japan. Comparable in supporting financial advisory businesses and providing iDeCo/NISA education content.
• Money Design (Money Forward X): Operates Robo-advisor and financial planning services including iDeCo/NISA. Comparable in iDeCo/NISA product offering and Japanese retail financial education focus, though delivered digitally.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/GiftYourLife_jp
• Instagraminstagram.com/toyofuku_
• Facebookfacebook.com/GiftYourLife801810

Revenue estimate

Valuation estimate

Number of profiles

Profiles14 records

Subsidiaries1 record

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 Gift Your Life