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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Strategies to Realize theGroup’s Corporate Philosophy

Growth strategy of the applicable Group Long-Term Vision
Strengthening of core business

Upgrading capital management

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21

23

24

25

26

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Diversification and optimization ofbusiness portfolio
Promoting integrated
Group management

SDGs management andcreation of value

Business Portfolio

Enhancement of the Group’s Customer Base

Domestic Life Insurance BusinessHousehold Market — Taiyo Life

SMEs Market — Daido Life

Independent Insurance Agent Market — T&D Financial Life

Closed Book Business — T&D United Capital

Asset Management Business — T&D Asset Management

Non-life Insurance Business — Pet & Family Insurance

New Sector — All Right

15

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Introduction

Sustainability Management

Strategies to Realize the Group’s Corporate Philosophy

Business Portfolio

The Group is a life insurance group with the domestic life insurance business as its core business.

In addition, in the new sector’s area, All Right, which was established in September 2022, is work-

The asset management and non-life insurance businesses will contribute to the enhancement of

Growth potential

New business[New sector]

Consolidate
Withdraw

ing on the creation of new customer contact points using digital tools.

Value up

Reinforcing sectors[Asset management / non-life]

High growth

Growing sectors[Closed book, etc.]

Pet & Family Insurance
・Building a new customer base・Strengthening Group Businesses

Restructure

Supplementary Materials and Corporate Datafor the Group’s collaborative asset management and the expansion of customer contact points.

to growing sectors, such as closed book business, in order to build a foundation for growth and

Try ＆ DiscoverCorporate Governancethe Group’s corporate value by not only acquiring revenue, but also by serving as a starting point

In addition to strengthening our core business for sustainable growth, we are allocating capitalprofitability outside of the domestic life insurance business.

ERM

Allocate management resources
Pursue synergy ・Cross-sell,・Wise use of data
・Cost synergy, etc.

【Independent insurance agent market】

・Move into profit, eliminate cumulative losses

Rebuilding the base・Manage Group’s asset
・Starting point for creating customer contacts

Increase values ofthe entire Group・Expand size and scale
・Enhance earning capacity
・Recover capital

Allocate management resourcesCore business (Life insurance)
Group’s management base【Household/ SMEs market】

・Further develop the existing insurance business (new products/services)
・Increase investment yields (strategic shareholding, allocation)
・Bring in young generations to expanding customer contacts

Stable growth

Contribution to revenues

16

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Enhancement of the Group’s Customer BaseStrengthening and enhancing our customer base by providing value that goes beyond life insurance
The three life insurance companies are deepening their existing business through the promotion

customer contact points and expand the Group’s customer base by evolving and diversifying

innovation with partner companies using digital tools with a focus on All Right, we will create newand environment.

of hybrid-style sales and further enhancement of their product lineup. Furthermore, through open

Enhancement of the customer base of
three life insurance companies

Hybrid sales using SmaHoken and Infomercial

Taiyo Life

Policyholders

Approx.

2.0 million

customers

Strong business model andsupport for resolution of
SME’s issues

Expand the lineup of
products

Daido Life

T&D
Financial Life

370,000(cashflow insurance)

Corporate enrolled
companies

Approx.

the value we provide and the customer contact points in response to the changing times

companies

Market share

40.1％
10.8％

(bancassurance single-premium
insurance)

Establishingthe digital
customer base

Customer acquisition through new actions

17

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Domestic Life Insurance Business

Establishing a business model with high uniqueness and specialization through market strategy
integrating markets, channels, and products
The Group has three domestic life insurance companies under its umbrella: Taiyo Life, which
specializes in the household market; Daido Life, which specializes in the SMEs market; and T&D
Financial Life, which specializes in the independent insurance agent market. The Group’s businessmodel excels in that each of the three domestic life insurance companies specializes in a different
market and brings its own uniqueness and expertise to the table.
In recent years, the companies have been advancing sales activities that integrate non-digital anddigital technologies. Taiyo Life is expanding opportunities to approach customers by the promotion

Taiyo LifeHousehold market

Comprehensive
coverage including
death benefit andmedical/nursing careproducts

Face-to-face approachNon-face-to-face approach

Posting activities(approval base)Sma-Hoken, infomercials

Hybrid-style sales
Utilization of digital infrastructure and various types of data

In-house sales representatives,
tax accountants, financial institutions

Daido Life
SMEs market

T&D
Financial Life

In-house sales representativesof hybrid-style sales that utilizes information acquired through Sma-Hoken and other means. Daido
Life is developing remote and digital technologies, expanding proposals and procedures without
face-to-face contact, and providing centralized solutions through web services for SMEs.
Going forward, we will strengthen our business model and continue to build the top brand ineach specialized market through the transformation of our sales activities and by providing optimal products and services that meet customer needs.

Independent
insurance
agent market

In-house sales representatives/Agents (tax accountants, etc.)

Term life insurance/
Disability
benefit insurance, etc.

Savings-type products (foreign-currency linked type inIndependentsurance, variable insurance,
insurance agentsetc.)/(financial institutions, insurProtection-type products
ance shops)(income protection insurance, etc.)

Face-to-face(in-person)

Personal(remote)DigitalEstablishment and maintenance of approach utilizing digital technology and data
Enabling all policy procedures
to be completed without
face-to-face contact

Web services for SMEs

Face-to-face consulting

Independent
insurance
agentsBanks, securities
firms, etc.
Agents closely linked tofinancial institutions

Integrated customer data
platform construction

Online businessmeetings and otherdigital tools

Insurance shops, etc.
Door-to-door sales agencies

18

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

19

Household Market — Taiyo Life (1)To be a company
that supports healthy
long lives of manycustomers
In May 2023, Taiyo Life welcomed in its

Provision of products and services that meet new needs

Provision of industry-pioneering new coverage

Taiyo Life is constantly taking up the challenge of providing new products

desire to live longer, healthier, and more energetic lives will continue toand services, such as Hoken Kumikyoku Best, a system that responds tocapabilities, Taiyo Life will seize business opportunities and support the

To date, the company has unveiled many industry-pioneering products

130th anniversary. In response to signifi-

diversifying customer needs by freely combining coverages, and Himawari

the company has always developed its

tively and live out their retirement years with peace of mind.

cant changes to the social environment,

business in accordance with society andAs we enter the age of one-hundred-year lives, we expect that customers’

and services to respond to social changes and shifts in customer needs.

Dementia Prevention Insurance to help people deal with dementia posi-increase in the future. By leveraging its advanced product development

health and longevity of many customers by identifying new needs aheadof its competitors and promptly providing products and services that meetthose needs.

customer needs. For example, in addition
to the conventional visits in pairs by in-house sales representatives, the company
has developed “hybrid-style sales” that

2008-

Customizable insurance

integrates face-to-face and non-face-to-facesales activities using digital technologies.

We will continue to achieve further growth

as a company that supports the health andlongevity of our customers.

Taiyo Life Insurance Company
Representative Director and President

Naoki Soejima

Director of T&D Holdings (part-time)
Joined Taiyo Life Insurance in 1981 and has been incurrent position since April 2019.

2018-

Dementia insurance

2021-

Cancer/ critical
illness prevention

2022-

Simplified death insurance

2023-

Visit Services

Simplified cancer
diagnosis insurance

Kaketsuke-Tai
ServiceUpon the request of our customers, ourin-house staff visit them to provide support related to the claim procedures for benefits, etc.
We will assist customers withthe procedures to ensure thatthey receive their benefits andcheck that no claims havebeen missed

Senior Visit
Service

One annual visit to senior customers

Support aimed at ensuring that customers claim all

relevant benefits, etc., including explaining contract
details to them and regularly checking whether

they have been hospitalized or undergone surgery.

Try＆Discover

Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate Governance20

Supplementary Materials and Corporate Data

Household Market — Taiyo Life (2)Transformation of business model

Promotion of hybrid-style sales

Taiyo Life has drastically changed its business model in response to the changes in the social

Diversification of channels such as Sma-Hoken and infomercials has expanded our customer

environment caused by the COVID-19 pandemic. Conventionally, in-house sales representatives

contact points, and by linking the information obtained from these channels to our in-house sales

addition to this, we are promoting a “hybrid-style sales” that integrates face-to-face and non-face-has increased the productivity of each sales representative, leading to a positive cycle of increased

visited households in the suburbs of branch offices in pairs to conduct face-to-face approaches. In
to-face sales by utilizing information obtained via promotions such as TV commercials and internet advertisements, such as Sma-Hoken (internet channel) and infomercials.

Hybrid-style sales

MarketSales
methodIn-house sales
representatives
channel(face-to-faceapproach)

Sales visits of
in-house sales
representatives
in pairs

representatives, the number of net new contracts has increased. Furthermore, hybrid-style sales
retention of sales representatives and higher number of sales representatives.

Sma-Hoken, our fully-online insuranceMarket expansion
Sma-Hoken
Infomercials(non-face-to-faceapproach)

Expansion ofsales methods

Hybrid-style sales*S ales with the Information of
Sma-Hoken and Infomercials[From October 2019]• Insurance quotation and application possible
online• Unprecedented new concept of fully-online insurance with complete after-sales services
Customers

Application

Taiyo Life

Follow-up by
in-house sales
representatives• Provide thoughtful service through the humantalent developed by the company during the after-sales services• Expand remote applications (non-face-to-face sales)

Infomercials[From September 2016]• Present infomercials, informational commercials that
include explanations of insurance products and user
feedback
Infomercials

Customers
Provision of
information

Requestinformation
In-house sales
representatives
at branch
office visit

Taiyo Life

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

SMEs Market — Daido Life (1)We shape the future together with SMEs with a caring heart and the power to create connections“A Trusted Partner
for SMEs” thatdelivers value beyond
expectations

Building a unique business model

Expansion of customers (value recipients)ket. By building a unique business model that provides the coveragecompany that provides full coverage to everyone working in SMEs, we willAs the environment surrounding small andhas built a win-win relationship for customers and tie-up organizations,

medium-sized enterprises (SMEs) changes
and their needs diversify, Daido Life is

Daido Life is a life insurance company that specializes in the SMEs marSMEs need for business continuity through SMEs-related organizations, itestablishing an efficient and solid marketing base.

Approximately 370,000 SMEs are enrolled in Daido Life’s insurance. As apromote further expansion of member companies through the creationof new channels as well as consulting services in collaboration with tie-up
organizations. Furthermore, as a company that supports the resolution ofsocial issues of SMEs. We will work on expanding to become a company
that contributes by providing solutions outside of insurance.

working on evolving the provision of cov-erage to protect SMEs, as well as providing
support for solving various issues faced by
SMEs, accompanying them to solve theirproblems. By refining our products andservices and delivering value that exceeds

MarketSMEs market

tribute to their business continuity, growth,

Product

Term life insurance, Disability
benefit, etc.

expectations to SMEs, we will further con-

Channeland development.

Sales reps, Agents (CPTAs)

SMEs
approximately 1.8 million companies
Corporate clients(policyholders)

Daido Life

Promotion of
welfare systems[Sales reps/agents]
Win-win relationships of business model
Corporateclients (customers)

Daido Life Insurance Company
Representative Director and President

Tie up organizations

Director of T&D Holdings (part-time)
Joined Daido Life in 1982. Served as Managing Executive
Officer, etc. of T&D Holdings since 2015, and assumed
current role in April 2021.

Daido Life

Mutsurou Kitahara・	Recommendation fromcredible organizations andconsulting tax accounts.
・	Discounted premium rates forgroups.
・Enhancement of trust
relationships with member
corporates and partners.
・	Commission fees for agents.

・	Establishment of the effective
and solid sales base.

370,000

Companies to which Daido Life
will newly contribute(Users of our services, policyholders of
our tie up companies)

Expansion of“companies towhich Daido Life
will newly
contribute” andentice themto enroll21

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate Governance22

Supplementary Materials and Corporate Data

SMEs Market — Daido Life (2)Improvement and expansion of value added services

Advancing the coverage provided

Supporting solution of management issuesof disability and has promoted its total coverage, which is provided alongside death benefits.

create new markets.

Since the launch of J-type product in 2010, Daido Life has enhanced its products covering the risk
In 2022, we offered Kaisha Minnade KENCO+, a health-promoting insurance that enables em-

ployees to engage in promotion of Kenkokeiei® (Health and Productivity Management) while
preparing for unexpected retirement.

We will continue our efforts to expand our product lineup by developing new disability benefit

insurance and upgrade our offerings to encourage more people to enroll in our products.

“Upgrading” to attract more new clients

120k

companies(Target for 2025)

100k companies(2022)

Kaisha Minnade
KENCO+(2022)

Corporate clientswith total coverage(death + disability)“Expansion of ourlineup” with newdisability benefit

By supporting the resolution of social issues, we will expand our points of contact with SMEs andMoving forward, we will provide various solutions such as promoting Kenkokeiei® (Health andProductivity Management) and supporting the resolution of management issues through “Dodai?”an online service for managers. In addition, by expanding various functions, we will grow into a

service platform that is essential for the management of SMEs and contribute to their sustainable
development.

*Kenkokeiei® is a registered trademark of Nonprofit Organization Kenkokeiei.

Contributing to solving social issues/sustainable development of SMEs
Service Platform“Dodai?”
Supporting the promotion of health-oriented management
RIntegrated package deal of “prevention” and“preparation” through promotion of“Kaisha Minnade KENCO+ ”
Kaisha Minnade
KENCO+KENCO SUPPORTPROGRAM（KSP）

RExpansion of functions of the health-oriented
management program “KSP”
RInitiatives towards promotion of health-oriented
management

Trying (various services)

Learning (case studies/webinars)
Consulting with (community)
Supporting SMEs solving issues

RSupport for sustainability management

REnhance various management support services
Sustainability
management support
program
M&A support

Safety conﬁrmation
systemEnterprise value
assessment serviceetc.

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Introduction

Sustainability Management

Strategies to Realize the Group’s Corporate Philosophy

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Independent Insurance Agent Market — T&D Financial Life
Delivering valuable products to customers through independent insurance agent channels

Aiming to be acompany of choiceby treating customers
and partners with care

Product lineup that meets diverse customer needs inthe age of 100-year lives

Strengthening business model by reinsurance utilization and promoting DX

Through independent insurance agentof 100-year lives, T&D Financial Life delivers asset formation products,

primarily foreign currency-linked whole life insurance and variable life

secure competitive yields and reduce credit risk, to utilize AI to enhancechannels, T&D Financial Life offers as-

set-building products that meet the needs

As interest rises in self-help asset formation and health care in the age
insurance, through independent insurance agent channels.

Furthermore, in April 2023, we added a new lineup of yen-denominatedof each individual customer, as well as

individual pension plans, creating a well-balanced product portfolio thatprices. Driven by our management vision,

environment.

protection-type products at affordable

we will continue to work on managementthat brings satisfaction to customers andestablish a firm position in the indepen-

dent insurance agent market. Furthermore,

can flexibly respond to diverse customer needs and the volatile financial

T&D Financial Life is proactively promoting efforts to utilize reinsurance toservice sophistication and operational efficiency, and to improve humancapital to strengthen engagement.

While strengthening our business model through these initiatives, we will

aim to deliver valuable products and services to customers and steadilybuild policies in force.

Top brand among cash ﬂow type productsby expanding policies in force, we willcontribute to Group profit.

Foreign-currency
linked type products
Yen-denominated products

Variable-rate products

T&D Financial Life Insurance Company
Representative Director and President

Kanaya Morinaka

Executive Officer of T&D Holdings, Inc.
Joined Daido Life in 1984. Served as Representative
Director and Executive Vice President of T&D Holdings
since 2020, assumed current position in June 2023.

The peace of mind that theyen can oﬀer

Stretch the life of retirement assets
Innovative asset formation

Annualized premiums of policies in force(billions of yen)

���.�

���.�

Annualized premiums of
new policies（billions of yen）

��.�

��.�

ʻ��/��

ʻ��/��

���.�

���.�

��.�

��.�

ʻ��/��

ʻ��/��
（Target）

23

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Closed Book Business — T&D United Capital

REALIZING
DREAMSTOGETHER
T&D United Capital is working to establish
and strengthen its profit center function

through strategic business investments in
new growth business domains with highaffinity to the life insurance business, withthe aim of diversifying and optimizing

the Group’s business portfolio. Moving

forward, we will continue to contribute to

the enhancement of the Group’s corporate
value over the medium- to long-term byexpanding Group earnings and pursuingsynergies with the Group’s core businesses.

Growing sector discovery and investment

To a new earnings pillar

Expansion and deepening of the closed book business

In June 2020, the Company made a cumulative investment of approximately

will also pursue new investment opportunities that are differentiated fromT&D United Capital is working on closed book business* as a growing sector.
¥140.0 billion to date (end of June 2023) in Fortitude, a specialized closed

book insurance company, making the company an equity-method affiliate.
profit, growing to the next earnings pillar after the domestic life insurance

subsidiary to mediate closed book transactions in 2023. Moving forward,

was ¥39.4 billion, accounting for approximately 20 percent of Group adjusted
business.

* A type of insurance business that aims to generate profit by acquiring and consolidating the closed books(contracts for the retention of discontinued products (group)) of other insurance companies through mergers
and acquisitions (M&A), reinsurance transactions, etc., and increasing the value of such closed books

T&D United Capital initiatives and earnings trends

Track record of investments in Fortitude¥

Approximately

80.0 billion(2020)

Approximately¥

60.0 billion(2022-2023)

Fortitude begins to be accounted
for by the equity method(June ����)Managing Executive Officer of T&D Holdings, Inc.
Joined Daido Life in 1987. Served as Executive Officer
and General Manager of Business Development Department of T&D Holdings, etc. since 2015, and assumed
current role in June 2021.

In addition, closed book transactions are expected to grow in Japan in

anticipation of the introduction of economic value-based solvency regu-¥

Approximately

140.0 billion

Grown to account for around 20% of Group adjusted profit over a
cumulative three years

Tomoyasu Isobe

Fortitude’s in terms of business model, geography, and other factors.

T&D United Capital’s adjusted profit for the three years from FY2020 to FY2022

Group adjusted profit (¥ billions)

T&D United Capital Co., Ltd.
Representative Director and President

With continued global growth expected for the closed book market, we

��.�

��.�

TDUC within the total

��.�

FY����

we will continue to leverage our accumulated know-how and expertiseto achieve robust development of the closed book business by resolving
issues in the domestic life insurance market.

Life insurance closed book transactions (deposit assets)* (billions of dollars)

����
����

���

���

���

��
UK

*Source: Compiled by T&D Holdings

��

US

���

Europe (excl. UK)

Domestic closed book transaction scale forecast*
��.�

��.�
FY����

lations in FY2025. In light of this, we established a reinsurance brokerage

�.�

FY����

Cumulative

20

Cumulative

35

trillion yen

trillion yen

Until FY2025

Until FY2027*S ource: Compiled by the Company/includes reinsurance (flow reinsurance) that transfers assets andliabilities for new business24

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Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Asset Management Business ― T&D Asset Management
We aim to be an asset
management company
that builds long-term
trusting relationships
with our clients andmoves forward with them

Collaboration with Group life insurance companies and expansion of earnings in the asset management business
T&D Asset Management aims to contribute to the enhancement of thetive assets of the Group life insurance through TDAM. In the future, our goalGroup’s corporate value by contributing to the life insurance businessis to further increase its value by expanding the area of collaboration.

through collaborative projects with the Group life insurance and by ex-

In the asset management business for external clients, we aim to in-

panding our asset management business to meet the needs of society.

crease the number of assets under management through sales focusing on

In FY2021, we started a cooperative Group effort to manage the alterna-

privately placed investment trusts.

With “Make a Difference” as our principle,

T&D Asset Management strives to provide
products and services that highly satisfy

our customers by creating value in line with
newly emerging needs. In the future, wewill continue to contribute to the enhancement of the Group’s corporate value by
expanding our contribution to the life

insurance business through collaborative

Collaboration
with Group
life insurance

Advancement of asset
management✔ Professional talent✔ Scale merit

協働Collaboration

Taiyo Life

Bond

Stock

Daido Life
Alternative
etc.

projects with Group life insurance and by
expanding our asset management business to meet the needs of society.

T&D Asset Management Co., Ltd.
Representative Director and President

Yoshihisa Tanaka

Executive Officer of T&D Holdings, Inc.
Joined Taiyo Life in 1989. Became General Manager of
the Group Planning Department of T&D Holdings in
2014, and Director and Managing Executive Officer of thecompany in 2019.
Assumed current role in June 2021.

Asset managementbusiness for externalcustomers

Strengthening external sales business・Expansion of assets under management driven by privately placed investment trusts

Contribution to the life insurance business
Increase in revenues of the Group’s asset
management business25

Try＆Discover

Introduction

Strategies to Realize the Group’s Corporate Philosophy

Sustainability Management

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

Non-life Insurance Business — Pet & Family Insurance

Bringing peace ofmind to a full life
with pets who aremembers of the family

Being there for pets and supporting families

We provide full coverage and simple and easy-to-understand insurance toenable pet owners and pets to receive treatment with peace of mind.
In addition, Pet & Family Insurance offers “Pet News Storage” on its

website, which presents information to enhance life with pets in an under-

Starting point for expansion of the Group’s customer
contact points

Pet & Family Insurance helps enhance the product lineup by providing pet
insurance products to Taiyo Life.

With a base of approximately 190,000 policies in force (as of March 31,

standable manner.

2023), we are working to further increase policies in force by delivering pet

company that contributes to people andproviding pet owners with a variety of information, we hope to uncoverand executing our tie-up strategy.

striving to improve our customer service byissues through the provision of pet insurance.

Pet & Family Insurance aims to become asociety through pet insurance. We areleveraging the knowledge we have accu-

The rate of pet insurance enrollment is still low, at less than 20%. By

the medical and health needs of their pets and contribute to solving social

needs. We will also serve as a starting point

for expanding customer contact points andcontribute to strengthening the Group’s
customer base.

Pet News Storage is online media operated
with the theme“bringing new discoveries
to life with pets”(Japanese only)

Masao Mikame

Joined Taiyo Life in 1983.
Became Representative Director and President of Pet &Family Small-amount Short-term Insurance Company in2015. Assumed current role in April 2019.

Group’s customer base through the supply of products and the joint use of

Pet News Storage

across the six categories of: entertainment, health,illustrated information, feelings, trivia, and rearing tips.
URL: https://www.petfamilyins.co.jp/pns/

Pet & Family Insurance Co., Ltd.
Representative Director and President

Pet & Family Insurance will serve as the starting point for expanding

the Group’s customer contact points and contribute to strengthening thepersonal information.

mulated to date to provide the optimal

insurance products that meet customers’

insurance to more pet owners through strengthening our online channel

Strengthening the customer
base of Pet & Family Insurance

Contributing to expanding
customer contact points
・Pet insurance product supply
・Joint use of personal information,
etc.

Strengthening sales
channels and tie-up strategies

・Strengthening online channel
・Building partnerships withcompanies and other organizations

26

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Introduction

Sustainability Management

Strategies to Realize the Group’s Corporate Philosophy

ERM

Corporate GovernanceSupplementary Materials and Corporate Data

New Sector ― All Right

Explore new sectors
and strengthencore life insurance
business
All Right is a company that explores new
sectors and engages in new business tostrengthen its core life insurance business

All Right was established with the aim of creating new customer contacts
With the declining birthrate, aging and shrinking population in Japan,

care-related companies to provide an official “Peer-Conne” LINE accountissue is how to establish customer contact points in the future. In light ofthat help their customers lead comfortable lives, covering exercise,the domestic market is becoming increasingly competitive, and a majorthis, All Right was established in September 2022 with the aim of creating

new customer contact points through the use of digital tools and collaboration with partner companies.

In July 2023, we began collaborating with health promotion and health-to support customers of their partners. We will provide various services
diet, sleep, and other matters. Moving forward, we will continue to use

digital tools as points of contact to compile customer data and utilize it
to improve our services, as well as to develop and offer new insurance
products and services.

for the future. By utilizing digital tools andcollaborating with each of our partners,
we aim to create new customer contact

points for the Group, as well as develop

and provide insurance and other products
and services that meet customer needs in
new ways.

Two axes of business

Understand customer needs and concerns through data obtained
from digital tools, and develop and provide products and services thatsatisfy/solve them
Building customer contact
points using digital tools

Developing new products andservices using digital tools

Osamu Ikebata

Executive Officer of T&D Holdings, Inc.
Joined Taiyo Life in 1991. Became General Manager of
the Group Planning Department of T&D Holdings in
2020, and Executive Officer of the company in April 2023.
Assumed current role in April 2023.

Alliance collaboration✔ Official LINE accounts are provided for each of ourpartner companies.
✔ Gifts are presented upon new registration.

✔ By toggling the rich menu, you can use the servicesof other partner companies.

Date

All Right Co., Ltd.
Representative Director and President<Image>✔ The rich menu displays various services according
to the partner companies.

ServiceCompany/community

Health support service “Peer-Conne”

All Right✔ Points will be awarded for using the services ofpartner companies through official LINE accounts.

Partner companies and service contents
will be expanded gradually in the future.

27