T&D Life GroupThe Insurance GroupYou Can Trust
Corporate Responsibility Report 2010
Special Topics

Words each and every one of us in the
T&D Life Group always takes to heart.
Try — take up the challenge,
Discover — open up a new frontier.
People encounter all sorts of things in their lives
and sometimes quite unforeseen events happen.
We always want to shine the way for them.
To make happy times even happier.
To make warm moments even warmer.
To help people make their dreams come true.
To help them overcome difficult times.
To protect our customers and provide them with peace of mind
in keeping with these wishes — that is our job.
That is why we constantly work to enhance our ability,and broaden our scope step by step.

Try — take up the challenge,
Discover — open up a new frontier.
Our “Try & Discover” story continues.

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T&D Life Group Corporate Responsibility Report 2010

This year we publish our Corporate Responsibility Report in two separate documents, “Special Topics” and“Data Edition.” This Special Topics brochure focuses on three aspects of our activities while the Data Edition
figures out details of our corporate responsibility activities in accordance with the GRI Guidelines. The Data
Edition is available on our website at http://www.td-holdings.co.jp/e/csr/.

Contents
Chapter 1 “Try & Discover” for Our Customers· ·  ·  ·  ·  ·  ·  ·  · 3Chapter 2 “Try & Discover”
as a Good Corporate Citizen· ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  · 7Chapter 3 “Try & Discover” to Protect the
Global Environment· ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  · 9The T&D Life Group CSR Charter andMajor Approaches· ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  · 11
Top Message· ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  · 13

Third-party Opinion· ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  ·  · 14

T&D Life Group’s Corporate Philosophy
With our “Try & Discover” motto for creating value, we aim to
be a group that contributes to all people and societies.

T&D Life Group’s Management Vision
1. Aim to provide the best products and services to increasecustomer satisfaction.
2. Aim to increase the value of the group by expanding andcreating value in areas where the group can take fulladvantage of its strengths.
3. Broadly fulfill our social responsibilities with high ethicalstandards and strict compliance practices.
4. Aim to be an energetic group whose employees areencouraged to be creative and to take action.

T&D Life Group Corporate Responsibility Report 2010

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Chapter 1“Try & Discover” for Our Customers

Chapter1“Try & Discover”
for Our Customers

About the three life insurance companies in the T&D Life GroupThe T&D Life Group is a corporate group mainly consisting of three life insurance companies (Taiyo
Life, Daido Life and T&D Financial Life) under the group holding company, T&D Holdings.

T&D Holdings

Taiyo Life

Daido Life

T&D Financial Life

Taiyo Life provides total life
protection for families in thefields of death, medical care,and nursing care insurance. Our
in-house sales representatives
make visits to customers andoffer insurance products thatare optimal for them.

To cover various risks that
corporate owners face, Daido
Life delivers full health andwelfare programs to SME
customers in partnership withdiverse organizations whose
membership consists ofcompanies, tax accountants,
and CPAs.

T&D Financial Life offers life
insurance products suitable tothe needs of its customers
through over the counter sales
at financial institutions.

T&D Asset Management, Pet and Family Small-amount Short-term Insurance,and other group companies

The three companies make the most of the strengths and uniqueness of their respective businessmodels in a continuous process of “Try & Discover” to be of assistance to customers in various
situations requiring insurance.

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T&D Life Group Corporate Responsibility Report 2010

training program. You can only make recommendations about insurance to customers if you have a goodknowledge of it yourself. Each and every encounter with customers is a special one. Some customers say

Megumi Yamamoto
Sales representative
Machida Branchthey realized the importance of insurance by listening to my remarks. This gives me a keen appreciationof how vital it is to try and deliver your message to the customer surely and accurately. I have now beenwith the company about a year, and hope to draw on what I have learned and experienced so far to be of“Try & Discover” for Our Customers

After joining the company, I first learned about the role and importance of insurance in the eCompass

Chapter 1

Working to improve employees’ consulting skills to enable
them to make proposals matching the life plans of customers

assistance to customers by thinking from their perspective. Although it may be hard for me to discharge
my homemaker duties as well, I also want to take up the challenge of qualification as an FP (financial
planner) with the company’s encouragement in order to obtain knowledge of finance as a whole.
* Ms. Yamamoto passed the qualifying exam of 3rd Grade Certified Skilled Worker of Financial Planning in May 2010.

I once heard a person from another insurance company giving a customer a very
involved explanation other than insurance products, and realized that I still had a lot

Masami Murota
Sales representative
Toyonaka Branch

to learn. And I tried for FP qualification without any hesitation. All sorts of knowledge
are definitely needed to propose means of protection for customer contingencies.
And now when I tell customers they need insurance, I can give them detailed figures
about survivorship annuities and others. When some customers consulted me about
succession, they were really grateful as I told them about tax deductions utilizing life
insurance, which needs advance preparations.
By working to get qualified as an FP, all sales representatives really grow. Personnel
who can make efforts toward various goals also can make efforts on behalf of their

Tamae Misato
Sales Education Division
Sales Department

customers. I would like to see all of them grow into employees who are always
determined to protect the interests of all Taiyo Life customers, take pride in their work,and know how to convey the worth of life insurance. We in the Sales Education
Division are going to offer support to our sales representatives for continued
incorporation of new knowledge in areas such as public security systems andlegislative amendments.

Taiyo Life aims for the early development of employees after their hiring into personnel equipped with thecapabilities and wide-ranging knowledge needed to formulate funding plans in line with the life plans of
their customers. To this end, it has introduced FP education curriculums into eCompass, its program foreducating new hires, and encourages employees to obtain FP qualification.

Other companies in the T&D Life Group are also putting effort into education
Daido Life

T&D Financial Life

Sales representatives must get a firm grasp of customer needs, which arediversifying and becoming more sophisticated, and practice high-quality
consulting-oriented sales. For this reason, Daido Life has set up its own
E-DFP (Executive Daido Financial Planner) system whose purpose isenabling its sales representatives a wide range of specialized knowledge
in areas including taxation, finance, and financial products. Employees
who pass exams in six courses of the Life Insurance University programand exams for Certified Skilled Worker of Financial Planning (on the levelof 2nd grade or above) are certified under this system.

T&D Financial Life offers practical trainings towholesalers (staff assigned to assist agents) including
knowledge on insurance and other financial products,
asset management, laws and regulations, and financial
systems as well as presentation skills for accurately
explaining features of our products to customers andagents.

T&D Life Group Corporate Responsibility Report 2010

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Chapter 1

Making sincere efforts to serve corporate owners fromthe perspectives of our customers“Try & Discover” for Our Customers

Customers give me energy—building firm relations withintegrity and sincerity
This is my 17th year of continuous work in sales to people who run small andmedium enterprises. When dealing with customers, I always strive for integrity
and sincerity. I believe that putting the customer’s interests first instead of your

Yoko Suzuki

own helps you build relationships with customers that stay firm into the long

Kawasaki-Kita Sales Officeterm. While a review of existing policies might have led to cancellation, once I

Shin-Yokohama Branchmade the rounds of all customers whose policies were up for review, along withproposals of new products. I did this because I considered it part of my duty,
but it also pleased my customers. My source of energy is my customers. I am
glad to have made their acquaintance, and feel fortunate to be able to do thisjob day in and day out. Even when I am feeling low, talking with a customer
brings me up. It’s as if they recharge my batteries.

Pursuing ease of understanding for the customer
After experiencing sales for five years in Hiroshima, I took my present post in
April 2010. I prepare sales materials and other aids for use in explaining theneed for protection and specific products to customers. My goal is to keep
producing materials that are easy for customers to understand and interesting
to them. When thinking, I always try to put myself in the customer’s shoes in the

Yukari Amanoprocess. If you are at the desk too long and don’t get out, you are apt to be

Sales Support Divisionbound by fixed ideas. I try to get actual opinions from the front lines of sales

Product Department

while drawing on my own experience. While remaining thankful to ourcustomers for choosing Daido Life, I am going to continue striving to growmyself in my routine work of serving as a bridge between them and ourcompany.

Daido Life has always aspired to the practice of easy-to-understand sales and service activities that make good
sense to customers in all areas, from product offering to post-sales services and payments. We are striving toremain solidly supported by our customers as a company they patronize with complete peace of mind.

Other companies in the T&D Life Group are also working to build and keep the trust of customers

5

Taiyo Life

T&D Financial Life

Taiyo Life obtained third-party certification under ISO 10002, theinternational standard related to Quality management—
Customer satisfaction—Guidelines for handling of complaints
within organizations, in March 2008. It is working to improve its
business through efforts grounded in customer views. Since
obtaining its certification, it has undergone regular conformity
assessment by a third-party certifying organization once a year.

The employees at our customer service center arecommunicators who have received training of a bothsophisticated and practical nature. They aspire to politeness,
speed, and accuracy in their handling of inquiries and requests
phoned in from customers across the country. Their goal isprovision of customer services of the highest quality.

T&D Life Group Corporate Responsibility Report 2010

I am assigned to support for sales of products over the counters of banks andJunichi Fujiwara
Wholesaler
Sales Team Leader
East Japan Sales
Promotion Office No. 2
Business Promotion
Department

other financial institutions. While I deal directly with my assigned counterparts atthese institutions, beyond them are the end-user customers. Although they may“Try & Discover” for Our Customers

Constantly taking up challenges while cherishing“relationships” and the “three perspectives”

Chapter 1

Supporting wealth building of customers in collaboration
with financial institutions and trying to achieve customers’
wishes through concerted company-wide efforts

want to increase their assets, the customers themselves may not have any specificidea of how and when to use their funds, surprisingly enough. In such cases, thetask is to elicit the latent needs of the customer in order to select the optimal planand product for them. This requires work with thought from three perspectives—
your own, that of the counterpart, and that of the customer. The linkage among
the different people is critical to the job. I therefore take step after step for
communication, and feel gratified when it gets results. I hope to continue
treasuring ties with the people I meet and forging strong bonds with them.

Product development begins with listening to the customers
Our job is to develop products that meet the wants and needs of customers. It begins
with the process of listening to customer views in the form of questionnaire responses
and feedback from customer service centers. We also try to stay constantly apprised ofcustomer wants and needs through agents. In considering proposed products, we learn
about the tasks required for commercialization from the concerned in-house units, andcoordinate things in order to discharge them, one by one. We check items such as theunderstandability of the product and appropriateness of the protection, and also makecalculations of insurance prices in drafting products. Our company actively incorporates

Yoshihiro Hatakeyama
Product Planning
Division Manager
Product Business
Department

new schemes and is working to bring out life insurance that meets wants and needs
that have been present but remained unmet so far. Through concerted efforts every
single day, we continue to take up the challenge of delivering peace of mind andsatisfaction to customers through products that are better and a step ahead.

T&D Financial Life offers a rich assortment of products to address needs related to preparation of funds for a
comfortable second life and protection for surviving family. We hope to build a solid position for ourselves in thefield of life insurance sales through over-the-counter channels at financial institutions and others.

Other companies in the T&D Life Group also offer better products in response to customer wishes
Taiyo Life

Daido LifeIn its product development activities, Taiyo Life rigorously
pursues ease of understanding by the customers. With its“Hoken Kumikyoku Best” lineup, it is able to propose policies
tailored to the requirements of the individual customer. In
March 2010, the line-up was further strengthened by theaddition of “Life Support Insurance.”

In October 2010, Daido Life is going to launch sales of nonparticipating insurance for serious illnesses, to hedge the risk ofcancer, acute myocardial infarction, and strokes amongcorporate owners.

The information concerning insurance products on this page is provided for the purpose of describing corporate responsibility activities in the T&D Life Group, not for that ofinsurance product offering. For more detailed information on products, please see the product pamphlets and others.

T&D Life Group Corporate Responsibility Report 2010

6

Chapter 2“Try & Discover” as a Good Corporate Citizen

Chapter2“Try & Discover”
as a Good Corporate Citizen

National Sports Games for the Disabled @ Niigata
Daido Life is a special supporter of the National Sports Games for the Disabled. It set up a game areain the Fureai Plaza, a space for communication with the participating athletes and others. Executives
and employees of both Daido Life and Taiyo Life did volunteer work for the event.

Opening ceremony (upper), Racing event (lower)

In the Fureai game area, visitors enjoyed bowling, ring tossing, and yo-yo fishing.

Positive about volunteer activities
Midori Miura
Niigata Branch
Taiyo Life

It was the first time for me to volunteer, and I was worried about what I could do to
make myself useful. There was a very good turnout and everybody enjoyedthemselves. Before I knew it, the event was over. I realized that, although I hadn’t
had any such opportunities in my own life, I could be of some help by participatingon such occasions. This has given me a positive attitude about doing volunteer work.

About National Sports Games for the Disabled
In 1992, when the company celebrated its 90th anniversary,
the first National Sports Games for the Mentally Handicapped(Yuaipic)* was held in Japan, and Daido Life has been a special
supporter of this annual event ever since. It is the largest sports
event for people with disabilities in Japan, aimed at helping
the disabled experience the joy of sport, deepen public
understanding about the disabled and promote greater social
participation by the disabled. Every year, Daido Life sets up asite called Daido Life Corner in the Fureai Plaza where theathletes and others interact. Many executives and employees

7

T&D Life Group Corporate Responsibility Report 2010of Daido Life volunteer at this event. Since 2000, Taiyo Life has
also taken part in volunteer activities at the Games and isthereby widening the circle of participation by the T&D LifeGroup.
*The National Sports Games for the Mentally Handicapped mergedwith the National Sports Games for the Physically Disabled in 2001, andhas been held as the National Sports Games for the Disabled sincethen.

Chapter 2

Nationwide Clean Campaign @ Shiodome

No littering!

Ugh! The gutter is fullof cigarette butts!

So many people
littering in the shrubs!

Employees of Taiyo Life, T&D
Holdings, and T&D AssetManagement, all on thesame team.

“Try & Discover” as a Good Corporate Citizen

Concerned employees from other companies of the T&D Life Group also participated in the
Nationwide Clean Campaign, a community clean-up drive initiated by Taiyo Life. Throughout theGroup, employees shared the desire to take care of the area and environment where they work.

Discovery of littereven beneath trees
providing shadealong a path!

Put cigarettebutts here.

Would you say thisis non-combustible
refuse?

Having fun while working for the community and environment
People are apt to have the preconception that you cannot do volunteer work without

Yuiko Itagaki
Real Estate General
Affairs Divisiona keen sense of serving others, but my participation with senior employees and peers
on good terms with me surprisingly turned out to be a lot of fun. Picking up litter inthe heat gives you a graphic lesson in the importance of not littering in the first place.
Companies use large quantities of paper, electricity, and water, and I intend to

Daido Life

continue taking an active part in such activities while enjoying myself, with the idea
of making a commensurate contribution to the community and environment.

Real feelings of responsibility and gratitude to the community
Yasumi Chiba

While I was picking up litter, people on the street thanked me and told me I wasBusiness Administration
Divisiondoing a good job. Experiencing this kind of warmth from the community, I felt a

Customer Service
Department
T&D Financial Life

sense of responsibility and gratitude to the area where I work. With volunteer work,
the important thing is to take the first step, beginning by doing what you can. It feels
good to tackle a single task together with all sorts of people beyond the corporate
framework. I look forward to taking part in the campaign every time.

About the Nationwide Clean Campaign
As part of its activities for contribution to the community, Taiyo
Life began the annual cleaning of the vicinity of its Head Officein 1982. In 2004, it renamed this activity the “Nationwide Clean
Campaign,” and its branches in all parts of the country, from
Hokkaido in the north to Okinawa in the south, began cleanup campaigns in the surrounding community. In fiscal 2009,
the Campaign attracted the participation of 8,704 persons(executives, employees and their families) from the Head
Office, affiliated firms, and branches.

With the cooperation of Tokyo’s Minato Ward Office and theparticipation of corporate members of the Minato Eco-conscious
Consortium and local residents, the Head Office (in Tokyo’s
Shiodome district) conducted the “Big Clean-up Project” coordinatedwith the activity promoting thorough compliance with the Minato
Tobacco Rule (prohibition on smoking outside the designated areas,smoking while walking, and littering of cigarette butts). On the dayof the project, executive and employee volunteers from the Group
companies (including Daido Life, T&D Financial Life, T&D AssetManagement, and T&D Holdings and others) took part in the event.

T&D Life Group Corporate Responsibility Report 2010

8

Chapter 3“Try & Discover” to Protect the Global Environment

Chapter3“Try & Discover” to Protect
the Global Environment

Concern for environmental burden by our business activities ispart of our social responsibility
Each and every executive and employee of the T&D Life Group is keenly aware of the environmental
consequences of our business and striving to reduce environmental burden.
Communication measures as also effective for group-wide approaches
As part of my duties at T&D Holdings, I am involved in group-wide approaches toenvironmental management, which requires management of data on
environmental burden and the setting of common targets in coordination withGroup companies and building owners, and activities such as the “Lights Down”
Campaign.

Takashi Fujiwara

To help these approaches take effect, I believe it is also important to take special
steps in the aspect of communication by repeatedly encouraging even routine
acts and putting together programs that make an impression. For example, theGeneral Affairs
Department
T&D Holdings

monthly environmental report published by T&D Holdings always carries
reminders about little things such as putting your computer on the energy-saving
mode when away from your desk and making sure to reuse clips that do not bear
the eco mark. We waged an in-house competition to reduce the use of paper for
making copies. I think the commendation by the president did much to heighten
awareness of the need to eradicate unnecessary copying.

Environmental targets and achievements (FY2009)
Electricity consumption

Volume of office paper consumed

Green purchasing ratio
Rate of purchase of environmentallyfriendly office supplies etc.

92,648,000 kwh

203 t

90.1%

-0.9% less than the
yearly target-13.2% less than the
yearly target

Target: Above 80%* Subject scope: Head Offices of T&D
Holdings, Taiyo Life, Daido Life, T&D
Financial Life, and T&D AssetManagement (Shiodome Shibarikyu
Building)* Subject scope: Head Office units of
T&D Holdings, Taiyo Life, Daido Life,
T&D Financial Life, and T&D AssetManagement* Subject scope: T&D Holdings, Taiyo
Life, Daido Life, T&D Financial Life,and T&D Asset Management

T&D Life Group Corporate Responsibility Report 2010

Devising various ways of using paper as well as constantly reducing volumes to help preserve forests
The T&D Life Group uses large quantities of paper in its
business. For this reason, we strive to reduce these quantities
by various measures. Besides switching to paperlessarrangements in office work, these include installation of
printers to shrink and print out several pages on a single pageand use of less documents in conferences. At the same time,
we have adopted the idea of choosing paper that is linked toforest preservation when paper use cannot be avoided. Just
what is this all about?
In Japan, most of the chips that are used to make paper areimported from other countries. About two-thirds of Japan’sland is covered by forests, and about 40 percent of these
forests were deliberately planted for the purpose of supplying
lumber. For a long time now, use of domestic lumber has beenless cost-effective than use of the low-priced imports, andsome of these artificial forests have consequently been left
unexploited and untended, and even gone to ruin. To enable
forests to fully demonstrate their benefits for absorption of CO2

and prevention of natural disasters, and to preserve them as
nearby habitats for a diversity of wildlife, we reasoned that it
would be effective to smoothly perform the cycle of “planting,raising, harvesting, and wisely using” them. This gave birth to asetup for paper that contributes to forests by its use. Under thissetup, part of the paper price is applied to the costs oftransporting domestic lumber and activities for preservation ofcommunity forests. The Group
Corporate Responsibility Report was
printed on this kind of paper.

The 3.9 Green style markstanding for the “KIZUKAIUNDOU (Wood Products
Use Campaign of Ministryof Agriculture, Forestry and
Fisheries)” to promote thespread and awareness ofusing domestically
produced lumber.

“Try & Discover” to Protect the Global Environment

We are promoting all sorts of activities to protect the global environment together with the national
government, paper-making companies, environmental NGOs, and other parties.

Chapter 3

Doing now what we can for the environment in various aspects

Corporate Responsibility
Report 2010

“Lights Down” Campaign

Activities with Associates of the Earth

At 8:00 PM on July 7, 2010, the T&D Life Group staged the“Lights Down” Campaign, in which it called upon employees
to turn off all lights in offices, mainly in the Shiodome Head
Office Building. This was done in support of the “Reduce
CO2: “Lights Down” Campaign” resting on partnership
between the Ministry of the Environment and the “Candle
Night” movement organized by a private-sector group. The
Campaign exhorts business to turn off both indoor andoutdoor lights to encourage concern for environmental
problems, with a view to preventing global warming.
On the day in question, executives and employees wereencouraged to leave the office early, turn lights off in thehome as far as possible to get a better idea of how muchlighting they normally use, andconsider the implications for the
problem of global warming. In theconviction that repeated approachesof this type would help to heighten
awareness among all executives andemployees, we are implementing it
twice a year, in July and December.
“Lights Down”

T&D Holdings endorses the activities of Associates of the
Earth, a Japanese environmental NGO which produces
the Japanese edition of Our Planet and TUNZA, bothpublished by the United Nations Environment
Programme (UNEP). These two publications are
distributed not only to all companies in the T&D LifeGroup but also to local junior and senior high schools,
public libraries, and other parties, to raise awareness ofenvironmental issues.
We also support the UNEP Global Environment
Information Display, which is staged by Associates of the
Earth. The Display exhibits photos and panels at airports
and other places where a lot of people gather, and is
aimed at heightening environmental consciousness.
We consider it an important part of our corporate
responsibility also to provide support for approaches
aimed at protection of the global environment that we
could not mount all by ourselves. We are going tocontinue assisting such activities by externalorganizations.

Campaign poster

Group logo mark on the Shiodome Head Office
Building (before lights were turned off)

The logo mark was turned
off at the same time as thelights in offices.

Our Planet, TUNZAUNEP Global Environment
Information Display

T&D Life Group Corporate Responsibility Report 2010

10

The T&D Life Group CSR Charter and Major Approaches

The T&D Life Group CSR Charter and Major Approaches
The T&D Life Group is committed to further promotion of corporate responsibility activities inaccordance with its Corporate Philosophy and Management Vision. To this end, it formulated the
T&D Life Group CSR Charter as a basic policy. This section presents a digest of the major approaches
undertaken in line with the CSR Charter.

T&D Life Group CSR Charter
The T&D Life Group is firmly committed to fulfilling the public mission of life insurance andother businesses and to undertaking its corporate social responsibilities based on its
management philosophy and by achieving sustainable growth along with society.
1

Providing Better Products and Services
The T&D Life Group will offer well-suited and high-quality products that meet customer needs.

2

Strict Compliance• The T&D Life Group will strictly observe laws, regulations and rules, and act with integrity.
• The T&D Life Group will maintain and promote fair and free competition.
• The T&D Life Group will stand firmly against antisocial forces and groups that may threaten
the order or safety of civil society.

3

Respect for Human Rights• The T&D Life Group will respect human rights, and make efforts to enlighten all its employees
on human rights.
• The T&D Life Group will respect the individuality of all its employees, ensure a safe andrewarding work environment, and develop its human resources.
• The T&D Life Group will respect privacy, and will strictly control and protect personal
information.

4

Communication
The T&D Life Group will widely disclose its management information in an appropriate andtimely manner to the public as well as to its customers and shareholders, and will actively strive
to maintain a dialog with all its stakeholders.

5

Contribution to Communities and Societies
The T&D Life Group will implement social action programs as a good corporate citizen, and will
make contributions to the sound development of regional communities and society.

6Global Environmental Protection
The T&D Life Group will carry out its activities with full awareness of the importance ofenvironmental concerns, and with sufficient consideration given to global environmental
protection.

11

T&D Life Group Corporate Responsibility Report 2010

Approaches reflecting customer feedback into management

1

Quality control and ongoing improvement of products andservices based on the customers’ perspectives
Efforts to enhance the skills of service staff

Daido Life poster for CS
improvement campaign—“Prompt, Understandable,
and Simple for All
Customers”

Special Topics p.3-6, and Data Edition p.18-26

Strict ComplianceObservance of Compliance Code of Conduct

2

Implementation of training and other activities
based on the compliance program
Whistleblower system

The compliance manualserves as both a guide foruse in daily business
operations and a textbook
for compliance training.

The T&D Life Group CSR Charter and Major Approaches

Providing Better Products and Services

Data Edition p.12-13

Respect for Human Rights
3

Better utilization and development of human resources
Approaches for a good work-life balance and diversity
Better workplace environments facilitating works
Human rights education
Protection of personal information
Data Edition p.23, 27-29

Communication
Active information disclosure

4

IR activities
Communication with stakeholders
Data Edition p.15-16

The three life insurancecompanies and T&D
Information Systems are
striving to support thegrowth of the next
generation.

We engage incommunication withstakeholders throughPolicyholder Meetings,
Business Partner Meetings,
etc.

Contribution to Communities and Societies
5

Blood donation
Special support for the National Sports Games for the Disabled
Nationwide Clean Campaign
Support for the Japan Down Syndrome Society
Voluntary activities of contribution based on employee donations

The T&D Life Group
cooperates with theJapanese Red Cross Tokyo
Metropolitan Blood Centerto solicit blood donations.

Special Topics p.7-8, and Data Edition p.30-32

Global Environmental Protection
Approaches to forest conservation and afforestation

6

Environmental education and awarenessApproaches based on numerical targets
Special Topics p.9-10, and Data Edition p.33-36

To restore forest resources
and preserve greenery, Taiyo
Life conducts afforestation
projects. It has established“Forest of Taiyo Life” inNasu-Shiobara (Tochigi
Prefecture) and Takashima(Shiga Prefecture).

For disclosure of information on our corporate responsibility activities, we prepared two editions of the T&D Life Group Corporate Responsibility
Report: 1) the Special Topics (this document), which was prepared with a view to making the main information we want to convey easier tounderstand and read for all, and 2) the Data Edition, which is a more detailed and comprehensive presentation of the Group approaches. The
Data Edition is available on the T&D Holdings website.

http://www.td-holdings.co.jp/e/csr/
T&D Life Group Corporate Responsibility Report 201012

Top Message

Top Message

Living up to stakeholder trust based on our motto “Try & Discover”

Representative Director and President
T&D Holdings, Inc.

Naoteru Miyato

Life insurance, the core business of the T&D Life Group,

To achieve sustainable growth, it is essential for

has a critical public and social mission of providing

enterprises to earn and keep the trust of, and advanceassurance to support people’s lives and society.

with, society at large. To this end, we in the T&D Life Groupendeavor to enable our executives and employees to

To discharge this mission, all the members of the Group

properly execute their duties with a keen sense of mission

are striving to bolster the foundation of their activities by

and pride in their work. At the same time, I believe wetaking full advantage of the strengths of their respective

must never forget our indebtedness to the society andoriginal business models. At the same time, they haveglobal environment as the bases of our activities, andmounted approaches to qualitative improvement ofstrive to make a positive contribution to a sustainable andproducts and services anticipating the needs of the times

better tomorrow through a concerted effort by the entire

and society, while having each and every one of theGroup.

executives and employees prize the customer’s
perspective and give the earnest thoughts to the

We in the T&D Life Group practice a corporate philosophy

question of what is currently expected from us.

advocating contribution to people and society by creating
value with our “Try & Discover” motto. If we do not try andtake up challenges in keeping with this philosophy, there
can be no discovery. We must take this logic as our starting
point, and constantly ask ourselves what we can do forfurther growth, however slight. I intend to see that eachand every one of our executives and employees always
thinks and acts in his or her own capacity, so that we canlive up to the trust placed in us by all the stakeholders.

13

T&D Life Group Corporate Responsibility Report 2010

Third-party Opinion

Third-party Opinion

Mr.

Takaji Hishiyama

Principal, Center for Corporate Behavior

The following observations of mine derive from my wish toperspective in the first chapter of the Corporate

see the T&D Life Group achieve sustainable growth andResponsibility Report. Nevertheless, I would have liked todischarge its responsibility to society. I hope the readers

see some general description, even if brief, of the Group’s

share this wish, and urge them to offer constructive opinions

medium- and long-term outlook and strategy for life

when given the opportunity through questionnaires and theinsurance business as its main line, in order to deliver the

like.

peace of minds to stakeholders and contribute to society,Corporate Responsibility Report 2010, this year’s report, isgiven that its contribution to society is made chiefly throughdivided into the Special Topics and the Data Edition. This

this business.

may be considered as a new step in the “Try & Discover”

Nowadays, there are expectations of a new expansion of theprocess. Further progress appears, I hope, to be in store forrole of finance for protection of the global environment.

next year as well in response to various feedback.

Cases of investment and lending for environmental projects

The first page of the Corporate Responsibility Report Special

and environmental rating loan are being cited as examples

Topics (hereinafter referred to as the “Corporateof corporate responsibility activities through the businessResponsibility Report”) takes up the corporate philosophy,

operations of financial institutions. There have also beenand states that the “Try & Discover” motto is taken to heart

reports about a movement to formulate “Principles ofby each and every employee. In content, the material in all

Environmental Financial Behavior” by 25 Japanese financial

chapters, right from the first, is presented from the “Try &institutions. The stakeholders of the T&D Life Group would

Discover” perspective. There is something refreshing about

undoubtedly be interested to learn about the kind of action

this stance of mounting approaches while keeping theit intends to take as regards the environment-related role ofcorporate philosophy at the basis of all activities. This isfinance. I think it would have been advisable to include a

because it clearly shows that the “Try & Discover” philosophy

concise account of this area in Chapter 3, entitled “‘Try &is at the core of routine management. To my regret, it is not

Discover’ to protect the global environment.”

hard to find companies that put their management

Overall, the Corporate Responsibility Report attained thephilosophies on the shelf and allow their managerial

objective of descriptions with higher levels ofdecisions to be swayed by circumstances, with many of themunderstandability and legibility. I also like the design (andending up embroiled in financial scandals as a result of blindillustration) on the cover, which are novel and have thepursuit of merely higher profits. I would like to reiterate my

special warmth of hand-drawn pictures.

hope that the T&D Life Group will continue to practice soundLastly, I would like to express my gratitude for theand steady management firmly rooted in its philosophy.

opportunity to participate in the Corporate Responsibility

The T&D Life Group CSR Charter begins with the following

Report in this capacity.

words: “The T&D Life Group is firmly committed to fulfilling
the public mission of life insurance and other businesses andto undertaking its corporate social responsibilities based on
its corporate philosophy and by achieving sustainablegrowth along with society.” The first item of the Charter is“Providing Better Products and Services.” I therefore had notrouble understanding the reason for the emphasis on
approaches developed rigorously from the customer’s[Biography]
Mr. Hishiyama was engaged in a variety of tasks inside and outside Japan as asenior executive before leaving Mitsubishi Oil Co. (current JX Nippon Oil &Energy Corporation). After studying at the Center for Business Ethics at Bentley
University in the U.S. as a Visiting Executive Scholar, he established the Centerfor Corporate Behavior in Japan. He is now engaged in consultancy work forcorporations and the operations of a related non-profit organization as its
director, as well as teaching at universities as an adjunct instructor in order tofulfill his mission of disseminating business ethics, corporate social
responsibility, and socially responsible investment. He has authored a numberof books and articles in these fields.

T&D Life Group Corporate Responsibility Report 201014

1-2-3 Kaigan, Minato-ku, Tokyo 105-0022, Japan
http://www.td-holdings.co.jp/e/ E-mail: csr@td-holdings.co.jp

T&D Holdings is participatingin the Challenge 25 Campaign,
a national movement to
mitigate global warming.

The T&D Life Group practices
green purchasing.
This report was printed on Satoyama Monogatari paper, which contributes topreservation of biodiversity, with 100% vegetable oil (non-VOC) ink. The printing
was done by the computer-to-plate (CTP) process, which makes no use of film, anda waterless method that does not generate any hazardous waste liquid.

This report has been certified by
non-profit organization the Color
Universal Design Organization(CUDO) as having been designedwith colors that have good legibility.