Advance Create
Advance Create is a Japanese insurance specialty agency operating Hokende, one of Japan's largest insurance comparison websites with 93 carrier partnerships, supplemented by 11 physical Consulting Plaza advisory centers and a Hawaii reinsurance subsidiary. It serves individual consumers and enterprises with hybrid online-offline insurance advisory services.
- Company typePublic
- Founded1995
- HeadquartersKawaramachi, Japan
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
What Advance Create does
Advance Create Co., Ltd. (株式会社アドバンスクリエイト) is a Japanese insurance specialty agency founded in October 1995 by Yoshiharu Hamada and listed on the Tokyo Stock Exchange Prime Market (ticker 8798), the Fukuoka Stock Exchange, and the Sapporo Stock Exchange. The company operates across four business segments: insurance agency, media, ASP/system, and reinsurance. Its core platform, Hokende (保険市場), is one of Japan's largest insurance comparison websites, aggregating products from 93 partner insurance carriers across life, property and casualty, and small-amount short-term insurance, attracting approximately 1.9 million monthly visits. The agency combines this digital funnel with 11 physical Consulting Plaza consultation centers in major Japanese cities and the Dynamic OMO online meeting system to deliver hybrid online-merge-offline advisory services.
The company earns revenue primarily through insurance agency commissions paid by the 93 partner carriers on policies sold, supplemented by advertising income generated through subsidiary Hokende, Inc. (managing the Hokende trademark and ad operations), licensing-like income from the Goyokiki customer management system being commercialized to other agencies, and reinsurance premium income from Advance Create Reinsurance Incorporated, a wholly-owned subsidiary established in Hawaii in November 2008 to underwrite medical and other quality insurance risks. Distribution relies on a hybrid model — a national network of 100+ partner agencies plus 11 directly operated Consulting Plazas — supported by proprietary technology including Hokende, Dynamic OMO, and the Goyokiki CRM.
The business is concentrated almost entirely in Japan, with the only overseas presence being the Hawaii reinsurance subsidiary. Headcount stood at 228 as of September 30, 2025, and reported consolidated revenue for FY2025 (ending September 30, 2025) was ¥6,680,500,000, representing the fourth consecutive year of revenue decline from a 2021 peak, accompanied by material weakness in internal controls that was publicly disclosed and remediated in late 2025. Strategic actions in 2025-2026 — third-party share allotment, business alliance, capital reduction, treasury share cancellation, and a return to certified Designated Agency status — indicate a defensive capital-structure and governance restructuring rather than growth investment.
Advance Create firmographics
Firmographics- Name
- Advance Create
- Legal name
- 株式会社アドバンス Crete
- Website
- https://advancecreate.co.jp
- Company type
- Public
- Founded year
- 1995
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Short description
- Advance Create is a Japanese insurance specialty agency operating Hokende, one of Japan's largest insurance comparison websites with 93 carrier partnerships, supplemented by 11 physical Consulting Plaza advisory centers and a Hawaii reinsurance subsidiary. It serves individual consumers and enterprises with hybrid online-offline insurance advisory services.
- Ownership category
- akta.pro rank
Advance Create industry classification
Industry- Product category
- Insurance Agency & Distribution
- NAICS
- Insurance Agencies and Brokerages (52421)
- SIC
- Insurance Agents, Brokers & Service (6411)
- akta.pro primary industry
- Retirement Plan Participant Advice & Managed Accounts (FSAEABAF)
Keywords
Where Advance Create is headquartered
LocationHeadquarters
- HQ city
- Kawaramachi
- HQ country
- Japan
- HQ region
- Asia
Offices10 records
Markets served
Advance Create business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure
Revenue model
- 保险代理手续费收入: 作为保险代理店，从保险公司获取保险合同的手续费收入（佣金）。委托93家保险公司（31家人寿、25家损害、37家小额短期）销售保险商品。
- 广告代理业务: 通过株式会社保险市场（合并子公司）开展广告代理业务，管理「保险市场」品牌及商标等。
- 再保险业务: 通过Advance Create Reinsurance Incorporated（美国夏威夷）开展再保险业务，构建优质保险风险的再保险承保体制。
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Other | 保险商品价格由各保险公司设定，手续费率等信息未公开披露 |
Go-to-market motion3 records
Distribution channels5 records
Marketing channels4 records
Advance Create product offering
Product offeringCore offering
Advance Create is a specialized insurance agency that operates Japan's largest insurance comparison website "Hokende" (保険市場) and 11 face-to-face "Consulting Plaza" consultation centers, distributing life, property/casualty, and small-amount short-term insurance products from 93 partner insurance companies. The company also develops and sells the Goyoukiki customer management system and Dynamic OMO online consultation platform to other insurance agencies, and underwrites reinsurance through its Hawaii-based subsidiary.
Product overview
Advance Create operates primarily as an insurance specialty agency under the unified brand '保険市場' (Insurance Market), combining online digital services with physical consulting locations. The core offering consists of Japan's largest insurance comparison website enabling customers to research and purchase insurance products from over 80 insurance companies. This is complemented by 'コンサルティングプラザ' (Consulting Plaza) - a network of 11 physical consultation centers in major Japanese cities including Tokyo, Osaka, Nagoya, Fukuoka, Sapporo, Sendai, Yokohama, Kobe, and Abeno. Supporting technology products include '御用聞き' (Goyoukiki), a customer management system offered to partner agencies, and 'Dynamic OMO', an online consultation platform supporting remote insurance consultations. The company also operates reinsurance business through its Hawaii-based subsidiary Advance Create Reinsurance Incorporated, and advertising services through subsidiary Hoken Ichiba Co., Ltd. The four business segments are agency operations, media operations, ASP/system operations, and reinsurance operations.
Differentiator
Problem solved
Functional benefit
Brands
- 保険市場 (Hokende): One of Japan's largest insurance comparison and consulting platforms, offering life insurance, damage insurance, and small-amount short-term insurance products through online and offline consultation services
- コンサルティングプラザ (Consulting Plaza)
- Dynamic OMO
- 御用聞き (Goyokiki)
Products and services
- Hokende (保険市場 / Insurance Market) Japan's largest insurance comparison website operated by Advance Create. Provides online comparison and purchasing of life insurance, cancer insurance, medical insurance, and other insurance products from over 80 partner insurance companies. Monthly traffic of approximately 1.9 million visits.
- Consulting Plaza (コンサルティングプラザ) Physical face-to-face insurance consultation centers located in major Japanese cities (Tokyo, Osaka, Nagoya, Fukuoka, Sapporo, Sendai, Yokohama, Kobe, Abeno, Umeda, etc.). Branches include private consultation booths, kids spaces, and accessibility-focused facilities. Open to both individual consumers and corporate clients.
- Goyoukiki (御用聞き) Customer Management System Customer management system developed by Advance Create for insurance agencies. Helps manage customer relationships and insurance consultations. Already sold to 株式会社アイエイクチガイ and other external insurance agencies; the company is expanding sales outside the industry.
- Dynamic OMO Online Consultation System Insurance consultation-specialized online meeting system that enables remote video consultations between customers and insurance advisors. Part of the OMO (Online Merge Offline) strategy combining online and offline services.
- Advance Create Reinsurance Incorporated Reinsurance company established in Hawaii, USA. Provides reinsurance for medical insurance and other quality insurance risks. Operates as Advance Create's captive reinsurance arm.
- Hoken Ichiba Inc. (株式会社保険市場) — Advertising Agency Services Wholly-owned advertising agency subsidiary that manages advertising operations and trademark management for the Hokende brand. Operates web advertising and promotions for insurance companies on the Hokende platform.
Quantifiable outcome
- 「保险市场」月访问量约190万件
- +2 more outcomes
Companies that use Advance Create
Customer profileNamed customers2 records
Segments3 records
Ideal customer profiles3 records
Advance Create technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature3 records
Advance Create partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core.
- アクサ生命保険株式会社core委托销售的保险公司之一。提供人寿保险商品。
- 朝日住友的生命保険相互会社core委托销售的保险公司之一。提供人寿保险商品。
- 住友的生命保険相互会社core委托销售的保险公司之一。提供人寿保险商品。
- 损保ジャパン株式会社core委托销售的保险公司之一。提供损害保险商品。
- 东京海上日动火灾保险株式会社core委托销售的保险公司之一。提供损害保险商品。
- 损保损害保险株式会社core委托销售的保险公司之一。提供损害保险商品。
- SBI损害保险株式会社core委托销售的保险公司之一。提供损害保险商品。
- Advance Create Reinsurance Incorporatedcore美国夏威夷州的再保险公司。由アドバンスクリエイト100%出资设立，2008年11月5日成立。构建医疗险等优质保险风险的再保险承保体制。是保险专业代理店中首家设立再保险公司的壮举。
- 株式会社 保险市场core广告代理公司，负责「保险市场」品牌的商标等管理。2004年11月设立。负责保险市场的广告宣传和品牌管理。
Scale indicators5 records
Recent moves12 records
Expansion highlights5 records
Advance Create competitors and assessment
Company assessmentPeers
Direct peers
- Hoken Hot Line (保険ほっとライン): Japanese insurance agency chain offering in-person and online insurance consultation across life and P&C products. Competes directly with Advance Create's consulting and comparison offerings for Japanese retail insurance customers.
- Hoken Minaoshi Honpo (保険見直し本舗): Insurance review and brokerage chain (part of Ages group) with both online tools and physical consultation stores across Japan. Directly comparable as an insurance comparison and advisory agency serving individual consumers.
- Hoken-no-Madoguchi (保険クリニック): Operated by IPB Holding, Hoken-no-Madoguchi is one of Japan's largest chain-store insurance agencies with hundreds of physical counters offering life, P&C and medical insurance advisory. Highly comparable to Advance Create's Consulting Plaza network and Hokende online platform.
- Mitsubachi Hoken (みつばち保険): Japanese insurance agency focused on life insurance sales through a mix of in-person and online channels. Comparable as a specialist insurance agency serving individual consumers in Japan.
Emerging players
- Lifenet Insurance (ライフネット生命): Online direct-to-consumer life insurance carrier, partially overlapping as a digital insurance player in Japan. Distinct in being a carrier rather than a broker, but competes for the same online insurance-researching consumer that Hokende serves, and is also a shareholder of Advance Create.
Broad incumbents
- SBI Insurance (SBI損害保険): P&C insurance carrier within SBI Holdings, which is also the largest shareholder of Advance Create. Comparable as a major Japanese insurance distributor; operates a broader online insurance offering rather than the agency-broker model.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights6 records
Customer concentration
Advance Create compliance and trust
Trust signalCompliance3 records
Advance Create financial estimates
Financial estimateRevenue estimate
Valuation estimate
Advance Create leadership team
Management profileNumber of profiles
Profiles8 records
Advance Create subsidiaries and ownership
Company hierarchySubsidiaries2 records
Advance Create funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Advance Create M&A and investment
M&A and investmentM&A
Investments1 record
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Advance Create
What does Advance Create do?
Advance Create is a specialized insurance agency that operates Japan's largest insurance comparison website "Hokende" (保険市場) and 11 face-to-face "Consulting Plaza" consultation centers, distributing life, property/casualty, and small-amount short-term insurance products from 93 partner insurance companies. The company also develops and sells the Goyoukiki customer management system and Dynamic OMO online consultation platform to other insurance agencies, and underwrites reinsurance through its Hawaii-based subsidiary.
Is Advance Create a public or private company?
Advance Create is a public company. It is classified as public and is currently operating.
When was Advance Create founded?
Advance Create was founded in 1995. It employs 251 to 500 people.
Where is Advance Create based?
Advance Create is headquartered in Kawaramachi, Japan, in the Asia region.
How does Advance Create make money?
Three revenue lines are on record. 保险代理手续费收入 is the primary driver. The others are 广告代理业务 and 再保险业务.
Who are Advance Create's main competitors?
Money Forward (マネーフォワード) is listed as a peer. Direct peers are Hoken Hot Line (保険ほっとライン), Hoken Minaoshi Honpo (保険見直し本舗), Hoken-no-Madoguchi (保険クリニック) and Mitsubachi Hoken (みつばち保険). Lifenet Insurance (ライフネット生命) is listed as an emerging player. SBI Insurance (SBI損害保険) is listed as a broad incumbent.
Does Advance Create have an API?
No public API is recorded for Advance Create.
What industry is Advance Create in?
Advance Create's product category is Insurance Agency & Distribution. Its primary akta.pro industry code is FSAEABAF, Retirement Plan Participant Advice & Managed Accounts. Its NAICS code is 52421 and its SIC code is 6411.