United Insurance Co.

What United Insurance Co. does

United Insurance Co., Ltd. (ユナイテッド・インシュアランス株式会社) is a privately held Japanese insurance agency founded on December 14, 2001 and headquartered in Saitama-shi. The company sells both property/casualty insurance (automobile, fire, injury, overseas travel, bicycle, golfer) and life insurance (medical, cancer, income protection, death benefit) as an agent for 30 insurance carriers — 10 P&C and 20 life, anchored by Mitsui Sumitomo Insurance and the MS&AD Group life insurers. The agency handles 45,300 contracts annually and 54 billion JPY in P&C premium volume as of March 2025, operates 12 branches across Japan (Saitama, Tokyo, Nagano, Aichi, Osaka, Kyoto, Okayama), and employs 139 full-time staff as of April 2025. Revenue is generated primarily through insurance carrier commissions on new business and renewals, supplemented by subscription and service fees from the proprietary Anshin UI Support platform for housing businesses, United Car Lease, and corporate consulting (BCP planning, accident reduction, human resources training).

The company's go-to-market combines a team-based field sales model (dedicated professional teams per customer), an inside-sales customer support center, and online self-serve channels for standardized products. Distribution is predominantly referral-driven from existing customers. Beyond traditional agency services, United Insurance has built out the Anshin UI Support platform — an OEM mobile app for housing businesses that centralizes contract, estimate, and after-service management, includes a marketplace, and bundles an industry-leading 15-year residential equipment extended warranty. The firm also offers Senia Terrace, a one-stop senior services referral platform covering inheritance, wills, nursing care, and estate settlement. Corporate clients receive BCP planning certification support, driver and manager safety training, business matching, and certification acquisition assistance (Kurumin, Eruboshi, Youth Edge). Strategic positioning is reinforced by Mitsui Sumitomo Insurance's TGA Gold certification (highest MS&AD professional tier), four MSA Contest national first-place awards (2005, 2016, 2018, 2020), and a January 2025 partnership with Saitama Prefecture for cancer screening awareness.

Name

United Insurance Co.

Legal name

United Insurance Co., Ltd.

Website

https://utdi.co.jp

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

101–250 employees

Short description

United Insurance Co. is a privately held Japanese insurance agency (founded 2001, Saitama) selling property/casualty and life insurance from 30 carriers through 12 branches, serving individuals, corporates, housing businesses, and seniors with commissions and value-added consulting services.

Ownership category

akta.pro rank

Headquarters

HQ city

Saitama-shi

HQ country

Japan

HQ region

Asia

Offices12 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Property/Casualty Insurance Agency: Commissions from selling and renewing property and casualty insurance policies including automobile, fire, and liability insurance. Annual premium handled: 54 billion yen. Handles 30 insurance companies with 10 for property/casualty.
2. Life Insurance Agency: Commissions from life insurance product sales including medical, cancer, income protection, and death benefit insurance. Handles 20 life insurance companies including Mitsui Sumitomo Aioi Life and Aflac.
3. あんしんUIサポート (Anshin UI Support) Extended Warranty: 15-year extended warranty service for residential equipment sold to housing businesses. Revenue from service fees for the app platform and extended warranty coverage.
4. Business Consulting Services: Risk management consulting, BCP planning support, business matching services, and various certification support services for corporate clients.

Pricing tiers

Go-to-market motion3 records

Distribution channels4 records

Marketing channels8 records

Core offering

United Insurance Co. is a Japanese insurance agency that distributes property/casualty and life insurance products on behalf of 30 partner insurers (10 P&C and 20 life carriers, including Mitsui Sumitomo Marine and MS&AD group life insurers). The company complements agency distribution with risk management consulting, BCP planning support, business matching, HR training, accident reduction services, a senior-life advisory service (Senior Terrace), and a proprietary B2B platform called Anshin UI Support for housing businesses that includes a marketplace and a 15-year residential equipment extended warranty.

Product overview

United Insurance Co. is a multi-line insurance agency offering both property (damage) and life insurance products, primarily representing Mitsui Sumitomo Marine and MS&AD group life insurance companies. The company operates a platform-plus-services model centered on its core insurance business, supplemented by proprietary technology platforms (あんしんUIサポート for housing industry clients) and value-added services including 15-year equipment warranties, car leasing (ユナイテッドカーリース), business continuity planning support, and human resources training. The company serves both individual customers (personal insurance, senior services) and corporate clients (risk management, accident reduction, business matching) through its nationwide branch network.

Differentiator

Problem solved

Functional benefit

Brands

• ユナイテッドカーリース (United Car Lease): Car lease business operated by the company
• あんしんUIサポート (Anshin UI Support)
• あんしんUIアプリ

Products and services

• Anshin UI Support Platform B2B app platform that allows housing businesses to manage customer contracts, data, estimates, invoices, and after-service operations, including an in-app marketplace and a 15-year equipment extended warranty. Targeted at construction companies, real estate developers, and housing-related businesses.
• 15-Year Residential Equipment Extended Warranty Extended warranty covering unlimited repairs, 24/7 call center support, zero co-pay, and equivalent replacement for unrepairable home equipment. Sold to housing businesses via the Anshin UI Support platform for resale to homeowners.
• Vehicle Insurance (including 1DAY Auto Insurance) Property/casualty auto insurance covering third-party liability, passenger injuries, and vehicle damage, plus 24-hour unit 1DAY coverage for non-vehicle owners purchasable online. For individual drivers and non-vehicle-owner consumers.
• Fire Insurance Property insurance covering building and contents damage from fire, lightning, typhoon, theft, water damage, and flood, including earthquake coverage. For homeowners and property owners.
• Injury Insurance Personal accident insurance covering sudden injuries during sports, bicycle riding, and daily life activities. For individuals, with versions suited to children and elderly.
• Overseas Travel Insurance Travel insurance covering injuries and illnesses abroad, purchasable online through Mitsui Sumitomo Marine. For individual travelers going overseas.
• Golfer Insurance Golf insurance covering various troubles during golf play, including hole-in-one and albatross celebrations. For individual golfers, purchasable online.
• Bicycle Insurance Bicycle insurance providing coverage for individual bicycle users against liability and injuries. Purchasable online.
• Life Insurance (Medical, Cancer, Income Protection, Death Benefit) Brokerage of life insurance products from 20 partner carriers including medical, cancer, income protection, and death benefit insurance. For individual consumers and families.
• United Car Lease Car leasing service operated under the United brand. For individual and corporate customers needing vehicle leasing.
• Accident Reduction Support Services Services including driver training courses, manager training, accident perpetrator training, driving aptitude diagnosis, and safety promotion materials. For corporate clients to reduce vehicle accidents.
• HR Training Services Customized training services covering hospitality/business etiquette, communication, coaching, and harassment prevention. For corporate clients.
• Business Continuity Planning Support Expert support for business continuity planning including risk assessment, plan development, certification application filing, and follow-up. For corporate clients and SMEs.
• Business Matching Services Business matching services connecting companies with partners in IT development, logistics, construction, and manufacturing. For SMEs seeking growth support.
• Senior Terrace (シニアテラス) One-stop advisory service for senior customers covering inheritance, wills, estate management, property cleanup, real estate sales/purchases, and nursing care preparation through a network of expert referrals.

Quantifiable outcome

• 45,300 annual contracts handled
• +6 more outcomes

Named customers3 records

Segments5 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Eleven partnerships are on record, tiered minor, core, secondary and supporting.

• Nikken Corporation Co., Ltd. (株式会社ニッケンコーポレーション)minorGTM or Marketing Partner · 3 July 2026Joint hosting of parent-child money education classes (おやこおかね教室). Popular events co-organized with Nikken Corporation, with sessions often reaching full capacity.
• Saitama Prefecture (埼玉県)coreStrategic or Co-development Partner · 15 January 2025Partnership agreement signed in January 2025 for comprehensive collaboration on cancer awareness and promotion of cancer screening examination rates. The company also participates in Pink Ribbon campaigns and cancer prevention seminars in collaboration with the prefecture.
• Mitsui Sumitomo Marine Fire Insurance Co., Ltd. (三井住友海上火災保険株式会社)coreChannel Partner/ Reseller/ Distributor · 14 December 2001Primary property/casualty insurance partner. The company handles products from 10 P&C insurance companies with Mitsui Sumitomo as the main partner. The company has achieved TGA Gold certification (highest MS&AD professional certification) and multiple national first-place awards in MSA contests.
• Mitsui Sumitomo Aioi Life Insurance Co., Ltd. (三井住友海上あいおい生命)coreChannel Partner/ Reseller/ DistributorCore life insurance partner as part of MS&AD Group. One of two main life insurance providers along with Mitsui Sumitomo Primary Life Insurance.
• Mitsui Sumitomo Primary Life Insurance Co., Ltd. (三井住友海上プライマリー生命)coreChannel Partner/ Reseller/ DistributorCore life insurance partner as part of MS&AD Group. Primary life insurance provider alongside Mitsui Sumitomo Aioi Life.
• AflaC Life Insurance Co., Ltd. (アフラック生命)secondaryChannel Partner/ Reseller/ DistributorOne of the 20 life insurance companies handled by the company. Cancer insurance specialist.
• MetLife Insurance Inc. (メットライフ生命)secondaryChannel Partner/ Reseller/ DistributorOne of the 20 life insurance companies handled by the company.
• Sony Life Insurance Co., Ltd. (ソニー生命)secondaryChannel Partner/ Reseller/ DistributorOne of the 20 life insurance companies handled by the company.
• Social Insurance and Labor Consultation Firms (社労士事務所)supportingImplementation/ SI/ Consulting PartnerPartner firms for business support services including subsidy diagnosis, business continuity planning proposals, and HR-related consulting for corporate clients.
• Confidential Document Disposal Companies (機密書類廃棄事業者)supportingImplementation/ SI/ Consulting PartnerPartner companies providing confidential document disposal and recycling services. Introduced to insurance company clients resulting in cost savings exceeding 1 million yen annually.
• Japan General Insurance Association (社団法人日本損害保険協会)supportingOthersSource of educational content on earthquake insurance, flood damage prevention, bicycle safety, and disaster preparedness. Company uses association materials for customer education and risk awareness campaigns.

Scale indicators6 records

Recent moves15 records

Expansion highlights6 records

Emerging players

• Lifenet Insurance: Direct-to-consumer online life insurer in Japan, competing against the agency channel on commoditized life products — a structural threat to the multi-carrier agency model rather than a direct product peer.
• Hollard Japan: Foreign-affiliated Japanese insurer focused on innovative distribution channels; an emerging competitor in segments (e.g., direct and digital) where United Insurance's traditional agency model is exposed.

Direct peers

• Advance Create: Listed Japanese insurance agency group (TSE) operating a multi-carrier brokerage model across P&C and life insurance, very similar in business model to United Insurance but with materially larger scale and nationwide marketing presence.
• Hoken Hot Line: Japanese multi-line insurance agency with both storefront/consultation and online channels, comparable in product breadth and target customer (individuals and small businesses).
• Hoken-Minaoshi Lab: Japanese insurance review/consulting agency brand under HKM that targets customers seeking to optimize existing coverage — overlaps with United Insurance's 'family-like consultation' positioning.
• Hoken Ichiba (Insurance Market): Online multi-carrier insurance marketplace owned by Advance Create, providing comparison and brokerage across P&C and life — overlaps directly with United Insurance's multi-carrier agency proposition but delivers it digitally.
• Hoken-no-Madoguchi (HKM): Major Japanese insurance consulting/agency chain offering multi-carrier life and P&C comparison and advisory — directly competes with United Insurance for individual and SME insurance buyers across Japan.

Broad incumbents

• Sony Life Insurance: One of United Insurance's 20 life-insurance carrier partners, but also a broad-incumbent competitor on the captive/agency distribution side with significantly larger scale and direct salesforce.
• Tokio Marine Holdings: Largest Japanese P&C insurance group; competes with United Insurance's agency partners (Mitsui Sumitomo/MS&AD) and offers direct and agency channels across P&C, life, and adjacent financial services.
• MS&AD Insurance Group Holdings: Parent group of United Insurance's core P&C partner (Mitsui Sumitomo Marine) and life partners (Mitsui Sumitomo Aioi/Primary Life); a broad incumbent whose strategy and channel economics directly shape United Insurance's economics.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks5 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/stand_by_u_utdi

Compliance8 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 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 United Insurance Co.