MetLife Insurance K.K.

What MetLife Insurance K.K. does

MetLife Insurance K.K. (メットライフ生命保険株式会社) is a Japanese life insurance company operating as a wholly owned subsidiary of MetLife, Inc. (NYSE: MET), a global insurance group with over 150 years of history. The company was established in 2012 when the Japan branch of American Life Insurance Company converted into a domestic Japanese corporation; it was rebranded from MetLife Alico Life Insurance Company to MetLife Life Insurance Company in 2014. Headquartered in Japan with an operations processing center in Saitama Prefecture, MetLife Japan employs 5,001–10,000 staff and serves individual retail customers, corporate clients, and individuals with pre-existing medical conditions.

The company's product portfolio is comprehensive across the life and health insurance value chain: whole life and term life insurance (Be With You Plus II in JPY and USD, Super Discount Term, My Dearest income protection), medical and cancer insurance (My Flexi, My Flexi Gold for pre-existing conditions, Cancer Insurance Guard Next), variable/investment-linked products (Life Invest series — Next, Advance, Plus, standard), foreign-currency whole life (Dollar Advance, Dollar Smart S), individual annuities (Regulus IV), corporate group insurance, and the newly launched Sunny Garden Prime single-premium whole life product (2026) in USD/JPY. Beyond insurance contracts, MetLife Japan operates an extensive value-added services ecosystem through partnerships with T-PEC (health concierge dial services), Relo Club (Club Off membership), Famitra (family trust support), and Souzoku-no-Sensei (inheritance support), plus a 24-hour Policyholder Web Service (ご契約者さまWEBサービス) for self-service policy management.

MetLife Japan generates revenue primarily through recurring insurance premiums (monthly, semi-annual, annual billing) on individual and group policies, plus mortality/expense charges and management fees on variable insurance separate accounts and surrender charges. Distribution runs through five channels: a direct consultant sales force conducting face-to-face and online consultations, affiliated insurance agencies under a Summit/Magnet recognition program, financial institution counter sales windows, internet-based self-service applications for select products, and a dedicated corporate sales team for group insurance and business succession planning. The company markets through its corporate website, social media (Facebook, Twitter), the "Mirai no Money Lab" email newsletter, PlanSmart financial education seminars, and title sponsorship of the Japan Futsal Top League and Japan Women's Futsal League.

Name

MetLife Insurance K.K.

Legal name

メットライフ生命株式会社

Website

https://metlife.co.jp

Company type

Private

Founded year

2012

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

MetLife Insurance K.K. is a Japan-based life insurance subsidiary of MetLife, Inc. (NYSE: MET) offering individual and corporate life, medical, cancer, annuity, and variable insurance through direct consultants, agencies, financial institutions, and online channels to retail and enterprise customers.

Ownership category

akta.pro rank

Product category

Life Insurance

NAICS

Direct Life Insurance Carriers (524113), Direct Life, Health, and Medical Insurance Carriers (52411), Direct Health and Medical Insurance Carriers (524114)

SIC

Life Insurance (6311), Accident & Health Insurance (6321), Insurance Agents, Brokers & Service (6411)

akta.pro primary industry

Guaranteed Issue Whole Life Insurance (FSAIABAG)

akta.pro secondary industries

Group Whole Life (Limited/Continuous Pay) (FSAIADAE), Annuity + LTC / Long-Term Care Riders (FSAIAJAC)

Keywords

• Life insurance
• Medical insurance
• Cancer insurance
• Individual annuities
• Group insurance

Headquarters

HQ city

Kakoicho

HQ country

Japan

HQ region

Asia

Offices2 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Individual Life and Health Insurance Premiums: MetLife Japan earns revenue primarily through insurance premiums paid by individual policyholders for life insurance, medical insurance, cancer insurance, and riders. Premiums are collected on a monthly, semi-annual, or annual billing cycle. The company offers both lump-sum single-payment products (一時払) and regular premium products.
2. Variable/Investment-Linked Insurance Products: Revenue from variable insurance products (変額保険) and foreign currency-denominated insurance products (外貨建保険) where premiums are invested in separate accounts. These products generate mortality and expense charges, management fees, and surrender charges.
3. Individual Annuity Insurance Premiums: Revenue from individual annuity insurance products (個人年金保険) including fixed and variable annuities, both in Japanese yen and foreign currencies.
4. Corporate Group Insurance Premiums: Revenue from corporate group insurance products (団体保険) offered to businesses for employee benefits, including group life and medical coverage.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels7 records

Core offering

MetLife Insurance K.K. (メットライフ生命) is a Japanese life insurance company that underwrites and distributes individual and corporate insurance products including whole life, term life, medical, cancer, income protection, variable/investment-linked, foreign currency-denominated, and individual annuity policies, as well as group insurance for corporate clients. The company sells through direct consultant sales employees, affiliated insurance agencies, financial institution counter sales, and internet applications, and bundles policies with health, lifestyle, and inheritance concierge services for policyholders.

Product overview

MetLife Insurance K.K. (メットライフ生命) operates as a Japanese life insurance company offering a comprehensive portfolio of individual and corporate insurance products. The core product lineup includes medical insurance (マイ・フレキシィ, マイ・フレキシィ・ゴールド), cancer insurance (ガードネクスト), whole life and term life insurance (ビー・ウィズ・ユー・プラスII, スーパー割引定期保険, 収入保障保険 マイディアレスト), variable/universal insurance products (ライフインベスト series, including ネクスト, アドバンス, プラス), and foreign currency insurance (ドルアドバンス, ドルスマートS). The newest product is サニーガーデン・プライム, a single premium whole life insurance with three flexible course options for asset accumulation. The company also provides specialized insurance for individuals with pre-existing conditions (ずっとスマイル) and individual annuity products (レグルスIV). Beyond core insurance products, MetLife offers an extensive value-added service ecosystem including health concierge services (健康に関するサービス) with multiple specialist consultation desks, and financial/lifestyle services (お金とくらしに関するサービス) including legal consultations, family trust support, and club benefits. Corporate clients are served through group insurance and comprehensive corporate risk consulting services.

Differentiator

Problem solved

Functional benefit

Products and services

• Sunny Garden Prime (サニーガーデン プライム) Single premium whole life insurance providing lifetime death protection with flexible asset accumulation and withdrawal options across three courses (定期支払/任意受取/積立金増加), available in USD and JPY currencies. Targeted at individuals seeking lifetime protection combined with foreign currency asset formation.
• My Flexi Whole Life Medical Insurance (終身医療保障保険 マイ フレキシィ) Whole life medical insurance providing comprehensive medical coverage including hospitalization and surgical benefits, targeted at individual policyholders seeking lifetime medical expense protection.
• My Flexi Gold (終身医療保障保険 マイ フレキシィ ゴールド) Whole life medical insurance specifically designed for individuals with pre-existing medical conditions, providing coverage that may be unavailable in standard medical insurance products.
• Zutto Smile Whole Life Insurance (終身保険 ずっとスマイル) Whole life insurance designed for individuals with pre-existing conditions, providing lifetime death benefit protection for applicants who may have difficulty obtaining standard coverage.
• Cancer Insurance Guard Next (ガン保険 ガードネクスト) Specialized cancer insurance providing coverage for cancer diagnosis, treatment, and related expenses, targeted at individual policyholders seeking cancer-specific protection.
• Be With You Plus II - JPY (ビー ウィズ ユー プラスII 円建) Yen-denominated whole life insurance providing death benefit coverage for individual policyholders.
• Be With You Plus II - USD (ビー ウィズ ユー プラスII 米ドル建) US Dollar-denominated whole life insurance providing death benefit coverage for individual policyholders seeking foreign currency exposure.
• Super Discount Term Insurance (スーパー割引定期保険) Term life insurance with discounted premiums, providing death benefit coverage over a specified term for individual policyholders seeking cost-sensitive protection.
• My Dearest Income Protection Insurance (収入保障保険 マイディアレスト) Income protection insurance providing periodic income benefits to beneficiaries in the event of the policyholder's death, supporting ongoing family living expenses.
• Variable Life Invest Next (変額保険 ライフインベスト ネクスト) Variable insurance product (current version) linking policy benefits to investment performance in a separate account, with death benefit protection.
• Variable Life Invest Advance (変額保険 ライフインベスト アドバンス) Variable insurance with enhanced disaster protection benefits, linking policy benefits to investment performance in a separate account.
• Variable Life Invest (変額保険 ライフインベスト) Variable insurance product linked to investment performance in a separate account, with death benefit protection for individual policyholders.
• Variable Life Invest Plus (変額保険 ライフインベスト プラス) Variable insurance with three major disease (3DD) benefits coverage, linking policy benefits to investment performance while providing critical illness protection.
• USD Whole Life Dollar Advance (USドル建終身保険 ドルアドバンス) US Dollar-denominated whole life insurance product targeted at individual policyholders seeking foreign currency-denominated lifetime protection and asset accumulation.
• USD Whole Life Dollar Smart S (USドル建終身保険 ドルスマート S) US Dollar-denominated whole life insurance with smart features for individual policyholders seeking foreign currency-denominated lifetime protection.
• Fixed Amount Individual Annuity Regulus IV (定額個人年金保険 レグルスIV) Fixed amount individual annuity insurance providing retirement income through guaranteed periodic payments, targeted at individual policyholders planning for retirement.
• Group Insurance (団体保険) Group insurance products for corporate clients, providing employee benefits including group life and medical coverage, sold to businesses for their workforce.
• Corporate Comprehensive Proposal (法人総合提案) Corporate insurance consulting service addressing nine key risk areas for sustainable business growth and development, including business succession planning, key person insurance, and executive benefits for owner-managers (経営者・オーナーズ).

Quantifiable outcome

• Insurance consultation service satisfaction rate: approximately 96.4% of customers who purchased insurance from MetLife consultant employees reported being satisfied or very satisfied (survey conducted 2025)

Named customers1 record

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Seven partnerships are on record, tiered core and supporting.

• T-PEC Corporation (ティーペック株式会社)coreImplementation/ SI/ Consulting PartnerT-PEC Corporation provides the concierge health and lifestyle services offered as policyholder value-added services. Services include health consultation hotlines, medical appointment booking, cancer second opinion services, mental health counseling, nursing care consultation, dementia consultation, medical examination reservation assistance, and disease risk test kit referrals.
• Relo Club (株式会社リロクラブ)supportingOthersOperates the MetLife Life Club Off (メットライフ生命 クラブオフ) membership preferential service, providing policyholders with access to discounted lifestyle services, travel, entertainment, and dining benefits.
• Famitra (株式会社ファミトラ)supportingImplementation/ SI/ Consulting PartnerProvides family trust (家族信託) design and consulting services, introduced to policyholders through the Family Trust Support Desk. The service helps customers with elderly asset management, dementia planning, and inheritance planning needs.
• Souzoku-no-Sensei (そうぞくの匠 / Legacy Support Service)supportingImplementation/ SI/ Consulting PartnerProvides inheritance support services including estate administration, inheritance tax filing, and succession planning. Introduced through the Inheritance Support Desk for policyholders needing post-inheritance procedures.
• Mitsubishi UFJ Factor (三菱UFJファクター株式会社)supportingOthersProcesses premium collection through direct debit for policyholders. Payment routing: MetLife → Mitsubishi UFJ Factor → Financial institution.
• Japan Futsal League (日本フットサルトップ league)supportingGTM or Marketing PartnerMetLife Japan serves as title partner for the Japan Futsal Top League and Japan Women's Futsal League. Brand visibility and community engagement partnership.
• Life Insurance Policyholders Protection Corporation (メットライフ生命は保護機構加入)coreOthersMetLife Japan is a member of Japan's Life Insurance Policyholders Protection Corporation (生命保険契約者保護機構), a legal entity established under insurance law to protect policyholders in case of insurer insolvency. Compensation covers 90% of liability reserves.

Scale indicators3 records

Recent moves7 records

Expansion highlights4 records

Direct peers

• Nippon Life Insurance (Nissay): Japan's largest life insurer, offering whole life, term, medical, annuity, and group insurance through a multi-channel network. Directly comparable to MetLife Japan in product breadth, distribution model, and target segments including the aging Japanese population.
• Dai-ichi Life Insurance: One of Japan's 'Big Four' life insurers with comprehensive life, health, annuity, and group coverage and a strong consultant sales force. Comparable to MetLife Japan across retail life/health protection and corporate group insurance.
• Meiji Yasuda Life Insurance: Top-tier Japanese life insurer with broad individual and group product offerings including whole life, medical, cancer, and annuity products. Directly comparable across channel mix and customer segments.
• Tokio Marine & Nichido Life Insurance: Life insurance arm of Tokio Marine group, offering whole life, term, medical, and annuity products in Japan. Comparable as a multi-product, multi-channel competitor in the Japanese retail and corporate markets.
• Prudential Life Insurance Japan: Japan operation of global insurer Prudential, offering whole life, term, medical, and foreign-currency-denominated savings products. Comparable to MetLife Japan as a foreign-affiliated insurer competing on similar product lines including USD-denominated offerings.
• Aflac Life Insurance Japan: Japan-focused cancer and medical insurance specialist operating through face-to-face and corporate/worksite channels. Highly comparable to MetLife Japan's cancer (ガードネクスト) and medical insurance lines, with overlapping product/customer overlap.
• Sumitomo Life Insurance: Major Japanese life insurer offering whole life, medical, cancer, and group insurance. Comparable to MetLife Japan in operating a multi-channel distribution model and serving both individual and corporate customers in Japan.
• Manulife Life Insurance Japan: Japan operation of global insurer Manulife, focused on whole life and foreign-currency-denominated savings products. Comparable to MetLife Japan's USD-denominated whole life and single-premium asset-accumulation offerings (サニーガーデン プライム).
• Sony Life Insurance: Japanese life insurer with strong position in whole life, variable life, and individual annuity products marketed through a tied agency channel. Comparable to MetLife Japan's variable ライフインベスト series and whole life offerings.
• AXA Life Insurance Japan: Japan subsidiary of global insurer AXA, offering whole life, term, medical, annuity, and variable insurance products. Comparable as a foreign-affiliated competitor with similar product portfolio and target segments.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xtwitter.com/MetLifeJp
• Facebookfacebook.com/metlife.co.jp
• LinkedInlinkedin.com/company/metlife-japan

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 MetLife Insurance K.K.