Message from the President

Aiming to be a corporategroup that contributes to all
people and societies
Hirohisa Uehara

Representative Director and President,
T&D Holdings, Inc.
The T&D Life Group (the Group) is mainly composed of three life insurance companies: Taiyo Life Insurance Company (Taiyo Life), Daido Life
Insurance Company (Daido Life), and T&D Financial Life Insurance
Company (T&D Financial Life). Their core businesses are life insurance.
Since they all joined hands under the holding company T&D Holdings,
Inc. in April 2004, the Group has contributed to all people and societies
and achieved sustained growth by confronting changing social issues
and providing insurance products and services that society requires.

The Group that contributes to all people and societies“Contributing to all people and societies” is the funda-

which have a long history in the life insurance business.

mental philosophy of the Group, which is mainly involved

Under the Group’s corporate philosophy of “With our ‘Tryin the life insurance business with a spirit of mutual assis-& Discover’ motto for creating value, we aim to be a grouptance. We believe our primary mission is to confront socialthat contributes to all people and societies,” we leverage

issues and to contribute to the development of a sustain-

our strengths to create both “value for society” and “value

able society through our business. This mission has been

for the enterprise” to become a corporate group thatpassed on through the DNA of the Group companies,

contributes to all people and societies.

The Group that grows with society
We view the period of the Medium-Term Management

solutions to social issues through the life insurance busi-

Plan starting in April 2016 as the first stage in our vision forness in pursuing maximization of “satisfaction of all stake-the next 10 years: a three-year period for expanding ourholders”. We are striving to achieve that goal.

growth areas. Our goal in this plan is to contribute to

The Group where individuals can flourish
The Group’s corporate philosophy of “contributing to all

Committee, which is chaired by the President of T&D

people and societies” can be achieved through the abili-

Holdings and composed of the directors and generalties of the Group’s individual executives and employees.

managers in charge of CSR at Group companies. ThroughWe think it is important that we disseminate the philoso-

this committee, we disseminate the philosophy of “sharing

phy of “sharing the value with society” in all processes,

the value with society” and assist individual Group compa-

ranging from management’s decision-making to day-to-nies and individual executives and employees of the

day operations. The Group has established the Group CSRGroup in their “Try & Discover” efforts through cooperation.

The Group that can keep up with the world
There are significant roles expected of enterprises forpurpose of encouraging institutional investors to fulfill

attaining “Sustainable Development Goals (SDGs)”

their social responsibilities.

adopted by the United Nations (UN). The Group endorses
the philosophy of the “UN Global Compact (UNGC),” a

Each executive and employee of the T&D Life Group will

cooperative framework between the UN and enterprises

join hands to perform the unwavering practice of “Try &to realize sustainable growth, and has signed a memoran-

Discover” and to be a life insurance group that shares its

dum declaring its support. In addition, Taiyo Life, Daido

values with society and grows sustainably.

Life, and T&D Asset Management, which are institutional

We would appreciate our stakeholders’ continued sup-investors, have signed the Principles for Responsible

port and understanding.

Investment (PRI), which were suggested by the UN for theOrganizational Profile
Outline of the T&D Life Group’s Business
The T&D Life Group is a corporate group mainly comprising three life insurance companies (Taiyo Life, Daido Life, andT&D Financial Life) under a group holding company, T&D Holdings. The three companies of Taiyo Life, with its strength
in the household market; Daido Life, with its strength in the small and medium enterprise (SME) market; and T&D
Financial Life, with its strength in the independent insurance agent market (financial institutions and insurance shops)
work to fully exploit the strengths and uniqueness of their respective business models, in support of their customers’
lives and businesses.

● Group Structure

T&D Holdings is the cornerstone of the T&D Life Group,

which consists of 19 subsidiaries and aﬃliated companies.

Protection-oriented products
covering medical care, nursing
care and death security thatmeet customer needs

Products for corporate risk
management (protection against
death and disability)

Products for securing a comfortable
retirement life for lower household
budgets (wealth accumulation productsHousehold Market

Small and Medium Enterprises
Market(ﬁnancial institutions, insurance shop agents)

and protection-type products)

Independent Insurance Agent
MarketPet & Family Small-amount
Short-term Insurance Company
Providing competitive products
and services in a timely manner

Products that cover a certain
portion of the cost of veterinary
care for pet illness and injury

Asset Management Market

Pet Insurance Market

Main Group Companies Other Than Above

Insurance-related Businesses

Investment-related Businesses

Administration-related Businesses● T&D Conﬁrm Ltd.

● T&D Lease Co., Ltd.

● T&D Customer Services Co., Ltd.

● Toyo Insurance Agency Co., Ltd.

● Taiyo Credit Guarantee Co., Ltd.

● T&D Information System Ltd.

● Daido Management Service Co., Ltd.

● Alternative Investment Capital, Ltd.

● Nihon System Shuno, Inc.
● Zenkoku Business Center Co., Ltd.
● Thuriya Ace Technology Company Limited
As of June 30, 2018

Ordinary revenues

Ordinary proﬁtbillionbillion¥1,928.3¥156.4

Proﬁt*¥77.5
billionNo. of employees

19,757* Proﬁt attributable to owners of parent
Figures for revenues and proﬁts are from ﬁscal 2017 and the number of employees is as of March 31, 2018

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition

1

T&D Life Group CSR Philosophy

We will contribute to people and societies by creating value through ouractivities to address social issues.
Priority Areas

1

Group CSR Charter

T&D Life Group’s Corporate Philosophy

Providing Better
Products andServices
P.4

Priority Areas

2

Respect for
Human Rights
P.6

Creating
New Value

Priority Areas

3

Global Environmental
Protection
P.8

We have selected three priority areas from among those areas
material to an expansive range of stakeholders and thoseareas material to our corporate philosophy and growth. We
are implementing activities targeting each priority area.

2

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition

A Sustaina

The T&D Life Group and Its Stakeholders
The Group’s commitment to holding proactive dialogue with stakeholders
is clearly set out in the T&D Life Group CSR Charter.
By taking every possible opportunity to interact, the Group’s three life
insurance companies collect the opinions of policyholders, sales agentsand other stakeholders and reflect them in their respective business
management.

ble Society< Dialogues with Main Stakeholders >■ Shareholders’ meetings, financial results briefings, exchanges of opinion withsecurities analysts, publication of shareholder newsletters, etc.
■ Customer feedback, customer surveys, Fureai Club (policyholder meetings),
business reporting meetings, Service Quality Improvement Committee, Service
Supervision Committee, etc.
■ Employee awareness surveys, dialogues and consultations with labor unions,work-style meeting, an internal reporting system, etc.
■ Participation in the UN Global Compact, the Principles for Financial Action forthe 21st Century, and the Japan Association for the United Nations Environment Programme (UNEP), support for the Japan Down Syndrome Society,working with the Japan Philanthropic Association, implementing “Taiyo Seimeino Mori ”(the Forests of Taiyo Life) activities.

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition

3

Contribution to SDGs
The SDGs (Sustainable Development Goals) are 17 goals
that countries around the globe have agreed to work on
in order to realize a sustainable world.

Priority Areas 1

Providing Better Products and Services
Basic Concept
The T&D Life Group believes that our most basic responsibility to society is to provide products and services that
respond to the needs of society and the Groupʼs customers that are changing in a variety of ways with theacceleration of Japanʼs declining birthrate and aging population.

Product Development which Preempts the Changes of the Times
Taiyo Life has launched its Centurion Pensions for Japanʼs rapidly aging
society.
The company also offers Kaketsuke-Tai Service. Administrative personnel with specialized knowledge make personal visits to customers andtheir families. They provide support with relevant procedures so that
customers in the senior market can complete procedures for receiving
benefits at ease and conveniently. Kaketsuke-Tai Service realizes apaperless system for requesting benefits. It was used over 45,000
times as of the end of March 2018.

Initiatives by
Taiyo Life

Initiatives in Taiyoʼs GENKI Project
Looking ahead to era of the 100-year life, Taiyo Life has engaged in Taiyoʼs GENKI Project since June 2016. The
aim is to address the social issue of longer healthy life spans.
As for specific approaches, the company has provided a smartphone app supportive of preventing dementia
for customers. It also worked to learn “Universal Manners” so that its employees are more capable of offering
assistance by taking the circumstances of each customer into account.
These activities have earned a fine reputation from outside assessment organizations.
The company has been awarded numerous prizes for these efforts, including the“Award for Consumer-Oriented Activities” granted at the 3rd ACAP Commendation
for Consumer-Oriented Activities hosted by the Association of Consumer Affairs
Professionals (ACAP) in fiscal 2017.

Initiatives to Disseminate Health-oriented Management*
─DAIDO KENCO ACTION─

Initiatives by
Daido Life

Daido Life assists SMEs in implementing Health-oriented Management. The aims are tocontribute to creating a society where SMEs and their employees can actively perform andto solving issues faced by Japanʼs rapidly aging society.
In line with these efforts, the company works to raise SME managersʼ awareness of the principles of Health-oriented Management through seminars. It
also offers the KENCO SUPPORT PROGRAM, a tool for implementing
Health-oriented Management.
* Health-oriented Management is a registered trademark of the Workshop for the Management of Health on Company and Employee, a specified non-profit organization.

平成30年4月改訂

平成30年4月改訂

Comprehensive Support of Nursing-Care Burden

これからの高齢化社会をともにご自身とご 家 族の
未 来 を 守る。

生きていくために。

ShunyuRelief

Kaigo
Relief
ご加入特典

ご加入特典

大同生命 介護コンシェル

大同生命 介護コンシェル

詳しくは 裏面へ

詳しくは 裏面へ

当商品にご加入いただいたお客さまは介護に関するさまざまな不安やお悩みの解決をサポート
する無料サービスをご利用いただけます。

当商品にご加入いただいたお客さまは介護に関するさまざまな不安やお悩みの解決をサポート
する無料サービスをご利用いただけます。

無配当終身介護保障保険

無配当介護収入保障保険（無解約払戻金型）

Kaigo
Concierge

4

There are growing needs for nursing-care benefits as people age. In an attempt to meet theneeds, Daido Life has sold Shunyu Relief , an insurance policy to protect against loss of income
when long-term care is required by SME owners and individual business owners, and Kaigo
Relief , an insurance policy to prepare for nursing-care costs.
The company has also introduced Kaigo Concierge , a comprehensive support service for nursing
care. This includes offering consultation on general nursing-care issues, and referrals to nursing-care facilities, by professional workers specializing in nursing care, such as care managers.
In addition, the company started providing Dementia Plus in April 2017. This is a service thatmeets a wide range of requests, such as nursing care for patients with dementia and prevention of dementia.

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition

Products Responding to the Diversifying Needs ofCustomers

Initiatives by
T&D Financial
Life

To respond to diversifying customer needs, T&D Financial Life enriches its productlineup and provides insurance products in a timely manner through banks and otherfinancial institutions and insurance shops. For senior customers, it provides asset formation products to support a comfortable retirement life by preparing for post-retirement expenditures and the need for protection for bereaved families. For the working
and childrearing generation, it offers protection-oriented products
at an affordable price.

Initiatives for Improving Customer Service Quality
Singlepremium
whole life
insurance
Singlepremium
individual
annuities

Initiatives by
T&D Asset
Management

Initiatives with
Pet & Family
Small-amount
Short-term
Insurance

Levelpremiumincomeprotection-typeinsurance

T&D Financial Life is discussing and pushing ahead with a variety of efforts to further
improve services for senior customers and customers with disabilities.
Since September 2017, the company has accepted the signature of parties other than an
insured person’s family members (such as home caregivers, facility committee members,
and district welfare commissioners) on behalf of the insured if there is no specifiable family
member at the time of signing. In addition, employees have been allowed to sign on behalfof a relevant insured person.

Products that Contribute to theFormation of a Sustainable Society
T&D Asset Management manages the T&D Japanese Equity ESG Research
Fund. The fund selectively invests in companies with an outstanding ESG(Environmental, Social and Governance) performance based on ESG researchwhich seeks to generate investment returns that outperform the medium- tolong-term market average while contributing to the formation of a sustainable
society by investing in companies which contribute to the reduction of environmental impact and the achievement of a sound society.
In fiscal 2017, the company made contributions to the solutions for social
issues by investing in companies that are proactively devoted to solving problems toward the realization of a healthy society. Besides, it started pursuing astrategy of health-related social contribution stocks that aims to acquire highinvestment income in the long term.

Environment
SocialGovernanceInsurance Protection for Precious Family
Members
Interest in pet healthcare and its associated costs is increasing. Pet & Family
Small-amount Short-term Insurance provides Genki Number One and Genki
Number One Slim , products that compensate for a portion of the costs oftreatments for pets at veterinary clinics due to illness or injury. These products
help to ensure that pet owners can obtain veterinary treatment for their petswith peace of mind.
Since July 2017, Pet & Family Small-amount Short-term Insurance has posted
on its website information for enriching pets’ lives. The website also features
special contents titled “Pet News Storage” that introduce
questions closely related to pets’ lives in an easily understandable fashion.

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition5

Priority Areas 2

Respect for Human Rights
Basic Concept
The T&D Life Group believes that supporting and showing respect for the protection of human rights and promoting the creation of a comfortable working environment, where the individuality and diversity of employees
are respected, will lead to the growth of the Company and the vitalization of society, and are important corporate responsibilities which the Company must fulfill.

Initiatives to Provide Opportunities for Growth
Since its foundation, the T&D Life Group has been promoting the nurturing of a corporate culture where diverse human resources canfeel job satisfaction and reach their potential. Each of the Group’s affiliates formulates its own education and training plan and strives
to develop and enhance the skills of its employees.

Taiyo Life, Daido Life, T&D Financial Life

The three life insurance companies support employee careerplan formation, by providing opportunities to actively pursue
skill development.

● In-house Recruiting

Under this system, employees can take up various challenges,
such as application for dispatch to companies outside of theGroup, positions of their choice and MBA programs.

● Personnel Exchange within the Group

Personnel exchange is promoted among Group companies
for facilitating the sharing of the well-developed skills anduseful knowhow possessed by each Group company.

● Working Group Comprising Young and Mid-Career Employees from Group Companies
In fiscal 2011, we started the Working Group for the Active
Participation of Women, an initiative to plan and propose
group-wide measures to promote active participation of
women. In fiscal 2016, this initiative was renamed the Working Group on Work Style Reform, and comprises both men
and women. In fiscal 2017, the group conducted surveys andresearch on the theme of Balancing Childcare and Career,and proposed various childcare support measures. One ofthese proposals was to expand the system for short working
hours (eligible children’s age has been raised to grade 6). The
proposal was put into practice in fiscal 2018, and the system
is already being used by a number of employees.

Initiatives to Support Active Participation of Women
Given that women represent the majority of the Group’s employees, enabling them to further reach their potential is an importantdriver of sustainable growth in corporate value, and the T&D Life Group recognizes that their active participation is a crucial management priority.

The T&D Life Group has disclosed action plans for promoting the active participation of women and targets forpromoting female employees to management positions. The ratio of female managers has been steadily increasing.
Action Plan

[Initiatives] ➡Implement systematic cultivation and promotion of female employees
to management positions➡Enhance career development and work-life balance support measures➡Transform the mindset of managers

Ratio of female managers(Total of the three companies)

14.5%

Targets set for promoting female employees to management positions
Ratio of female managers (Achievement deadline)

15.8%

14.9%

13.0%
Systematicallycultivate andpromote motivatedand talented female
employees

20

More than%(March 2021)

Promote diverse work
styles and support
new challenges

15

More than%(April 2020)

Become a company
where female workers
can work free fromanxiety and reach
their full potential

615

More than%(April 2019)

Double the 7% level in 2013

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition

11.7%

April
2014

April
2015

April
2016

April
2017

April
2018

Work-Style Reforms, Work-Life Balance Initiatives
The T&D Life Group companies are strengthening various initiatives, including enhancement of childcare leave and other systems, aswell as reduction of total working hours. Accordingly, employees can make full use of their skills and increase their performance atwork, while fulfilling their responsibilities at home, such as housework, childcare, and nursing care.

Taiyo LifeThe company is continuing its efforts to reduce total working hours and encourage the use of paid leave. At the same time,
it is making a flexible work system available. This allows employees to take half days for child caregiving or nursing-care leave,and expands eligibility for the flextime system to include employees on short working hours. In addition, because the numberof employees who face the necessity of taking nursing-care leave is expected to increase along with the progress of demographic aging, the company has developed a nursing-care support system which includes the care leave of up to 3 years thatexceeds laws and ordinances.

Daido Life

Efforts are being made that are aimed at reducing working hours, such as “Challenge 19,” (setting a target of 7 pm for leaving
the office, with the implementation of automatic computer shut down). In addition, the company is promoting work styles thatallow employees to balance their job and life at home, such as a campaign to slim down work. In 2017, the company received
the Minister for Internal Affairs and Communications Award as one of the Top 100 Telework Pioneers for initiatives such as its
home-based work system.

T&D Financial LifeThe company continues to implement measures to reduce overtime work hours, such as introducing a short working hoursystem, encouraging use of the flextime system, establishing a “No Overtime Day” and a “Go Home Early Day,” and automaticallyshutting down computers. Though these efforts, the company seeks to create a workplace where employees can achieve worklife balance, with the aim of fostering a corporate culture where employees feel job satisfaction.

Health and Productivity Management Initiatives
T&D Life Group companies aim to realize workplaces where all employees can work enthusiasticallywith a sound mind and body under the principles of health and productivity management.
Taiyo Life and Daido Life were among the “White 500” organizations recognized under the Ministry of
Economy, Trade and Industry’s Certified Health and Productivity Management Organization Recognition Program for the second consecutive year. This is established by the Ministry with the aim of disseminating Health and Productivity Management that encourages organizations to engage ininitiatives to promote the health of their employees.

Taiyo LifeThe company promotes Taiyo’s GENKI Project, an initiative aimed at energizing and promoting the health of employees, customers and society. This project provides various forms of support to encourage employees to be healthy, with the aim ofpreventing lifestyle diseases. In addition to conducting in-house anti-smoking campaigns, the company also cooperates with
Kaminoyama City in Yamagata Prefecture to offer Kurort Health Walking and Smart Life Stay, accommodation packages thatincorporate the government’s specified health guidance, through the Kaminoyama Onsen Kurort (health resorts) Program.
The company’s health and productivity management initiatives have also included an increase in the subsidy for cancer
screening since 2017, and MCI screening is performed along with regular health checkups to diagnose the risk of future dementia.

Daido LifeThe company introduced the KENCO SUPPORT PROGRAM for executives and employees in an effort to promote employee
health and improve health literacy. The program provides wearable devices that measure personal status during everyday
activities, such as heart rate and number of steps taken, and organizes talks on the company-wide non-smoking policy and other
health topics. The company is strengthening its existing efforts to reduce working hours, prevent disease, and promote mental
health. In addition, by expanding these initiatives on a company-wide basis, under the title, “DAIDO KOKO-KARA” the company
fosters a corporate culture as a company that practices health and productivity management.

T&D Financial Life

T&D Financial Life has implemented an in-house non-smoking policy and subsidizes the costs of engaging in sports throughin-house club and other activities. The aim is to promote employee health. The company carries out a variety of initiatives
to improve employee health, including subsidizing the cost of physical examinations for executives and employees aged 30
and over as a disease-prevention measure.

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition7

Priority Areas 3

Global Environmental Protection
Basic Concept
The T&D Life Group formulated the T&D Life Group Environmental Policy* to clarify the Group’s stance on theenvironment and to publicize the policy among executives and employees and has promoted various activities
to reduce our environmental impacts based on the policy. The T&D Life Group has announced that its policy is
to carry out business activities with full awareness of the importance of environmental concerns and will give
sufficient consideration to global environmental protection.
*The T&D Life Group Environmental Policy is available at
http://www.td-holdings.co.jp/en/csr/csr-policy/environment.html

Environmental Impact-reduction Initiatives● Reduction of CO2 Emissions
As more than 90% of the CO2 emissions derive from electricity
use at the T&D Life Group, we have set targets for electricity
use and are taking actions to cut our energy consumption.

Group companies cooperate to reduce electricity consumption,
reduce office paper consumption and improve the green purchasing ratio. The Group has set targets for these goals and is
promoting measures to achieve them in its business activities.

● Power-saving Efforts《 Electricity Consumption》
We implement a multitude of measures to reduce electricity
consumption. These efforts range from introducing a power
demand monitoring system for controlling peaktime use in eachbuilding and setting a no overtime day, encouraging employees
to put their computers into standby mode when they are awayfrom their desk and turn off printers and multifunction machines
when leaving offices.

Each year the T&D Life Group participates in a “Cool Biz” campaign from May to September (setting thermostats of air conditioners at 28°C) and a “Warm Biz” campaign from November toMarch (setting a room temperature at 20°
C).

● “Lights Down” Campaign
As an initiative to raise the environmental awareness of each of
the Group’s executives and employees, the T&D Life Group has
been conducting a campaign in which it calls for a simultaneous
switch-off of all the lights in offices twice a year. In fiscal 2017,
this initiative was conducted in July and December. This initiative is being implemented in support of the “Reduce CO2: ‘Lights
Down’ Campaign” initiated by the Ministry of the Environment
to address for lit up facilities and individual homes to turn off
lights in order to help combat global warming.

● Promoting Paperless Office Work
At T&D Holdings headquarters, the conference room has been
fitted with OA equipment to allow paperless meetings of theBoard of Directors and the Executive Committee. The Company
is working to promote a shift to a paperless format for othermeetings as well, by distributing mobile computers, installing
wireless LANs, and providing displays on meeting room tables.

● Green Procurement Initiatives(T otal Costs and Quantities of Procurement
Intended for Environmental Protection)
In addition to green purchasing initiatives, which mainly target
office supplies and other consumables, Green Procurement
Standards that reduce environmental impact have been established for the printing of product brochures, policy documents
and riders; procurement of lighting, air conditioning and otherequipment for real estate; and for system equipment and officeautomation equipment. The Group gives priority to procurement of items that meet these standards.

8● Efforts for Achieving Group-wide Targets

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition《 Office Paper Consumption》
We are striving to reduce the paper consumption in offices bypromoting paperless meetings, two-sided and 2-in-1 printing,test printing and confirmations before printing a large quantity
and rigorously insisting on printing only after confirming printing
settings.
《 Green Purchasing Ratio》
When procuring office supplies and stationery, we promote
green purchasing by giving priority to products that are compliant with the Act on Promoting Green Purchasing and to EcoMark products. In addition to establishing Green Purchasing
Standards and working to prioritize purchasing of products thatmeet those standards, initiatives include setting up a systemthat requires approval when ordering office supplies online thatare not environmentally compliant.

● Initiatives Through Asset Management
The company pursues investment and lending initiatives tosupport financing for projects that play a role in reducing environmental impact. These include renewable energy projects
and the creation of smart energy cities.

Forest Conservation Activities
Taiyo Life

Life insurance companies use vast amounts of paper including office paper, life insurance pamphlets, policy provisions and others in
the course of its business operations. To restore forest resources and preserve greenery.

Name of Forest“Taiyo Seimei no Mori ”(the Forests of Taiyo Life) (Tochigi Prefecture)“Taiyo Seimei Kutsuki no Mori ”(Kutsuki Forest of Taiyo Life) (Shiga Prefecture)

Date of Establishment

March 2006

November 2007

Area

Approx. 4.8 ha

Approx. 12.7 ha

CO2 Absorption

19t (Estimate by the Forestry Agency)

81t (Estimate by Takashima City)＜“Taiyo Seimei no Mori ”(the Forests of Taiyo Life)＞
At “Taiyo Seimei no Mori ”(the Forests of Taiyo Life), in
cooperation with the Enna District Forest Office andothers, we conducted forest improvement activities
including forest thinning and the maintenance of walking
trails in July and November 2017. In addition, in May, we
invited members of the Japan Down Syndrome Society
and their families to take part in a forest studies classexperience (total number of participants for the year:
approx. 168).

＜“Taiyo Seimei Kutsuki no Mori ”(Kutsuki Forest of Taiyo Life)＞
At “Taiyo Seimei Kutsuki no Mori ”(Kutsuki Forest of Taiyo
Life), we collaborated with the Asosatoyama Center, a
local NPO, in conducting forest improvement activities,
including the improvement of forest roads and the clearing out of fallen leaves in red pine forests, in September
and December 2017. We also conducted Kurort Health
Walking using the Kutsuki Forest course in September
2017, and hosted the “Dongri Project ”(Acorn Project) in
December 2017, whereby local elementary students grewbroadleaf seedlings from acorns and then planted them inthe forest at the time of graduation (total number ofparticipants for the year: approx. 230).

Environmental Communications andEducational Activities
T&D Holdings endorses the activities of the Japan UNEP Association which produces the Japanese edition of Our Planet, published by the United Nations Environment Programme (UNEP). This publication is distributed to all companies in the
T&D Life Group as well as to local elementary and junior and senior high schools,
public libraries, and other parties to raise awareness of environmental issues.

T&D Life Group ♦ Corporate Responsibility Report 2018 Digest Edition9Social Activities
Taiyo Life

Sponsorship of the Japan Junior High School Rugby Football Tournament
Since fiscal 2011, Taiyo Life has been a special sponsor of the Japan Junior High School Rugby
Football Tournament (Taiyo Life Cup) hosted by the Japan Rugby Football Union (JRFU). Taiyo
Life chose this sponsorship in sympathy with the basic spirit of Rugby, “all for one, one for all”
which is common to the basic principal of life insurance. At the same time, Taiyo Life agrees withthe objective of the tournament, which can be summarized as “helping young rugby players andother youth to develop the quality and skills necessary for shaping a sound society.” Accordingly,
we are extending our support for the sound development of young people through promoting
junior high school rugby in cooperation with the JRFU.

Daido Life

Supporting Sports for People with Disabilities
The first National Sports Games for the Mentally Handicapped (Yuaipic)* was held in 1992, when
Daido Life celebrated its 90th anniversary. Since then, Daido Life has been a special sponsor of the
National Sports Festival for People with Disabilities every year. It is the largest sports event forpeople with disabilities in Japan, aiming at helping the disabled experience the joy of playing
sports, raising public awareness about their lives, and promoting greater social participation. Every
year, Daido Life sets up a company booth in the Fureai Hiroba (Get-Together Plaza), a venue forinteracting with participating athletes. The executives and employees of Daido Life, Taiyo Life, andother affiliated organizations work as volunteers to support this event.
We have been official partners of the Japanese Para-Sports Association since January 2015 and of the Japan Para Archery Federation
since January 2018. As a partner, we have worked to develop sports for persons with disabilities and to spread awareness.

* The National Sports Games for the Mentally Handicapped merged with the National Sports Games for the Physically Disabled in 2001, and has been held as
the National Sports Festival for People with Disabilities since then.

T&D Financial Life

Official Partner Agreement Concluded with Japan Deaf Football Association (JDFA)
T&D Financial Life Insurance signed an official partner agreement with the Japan Deaf Football Association on
June 1, 2018.
As an official partner, T&D Financial Life will contribute to and support the development and spread of deaf
soccer and futsal in the future. Specifically it will support the activities of JDFA, which include the developmentof the Japan national deaf soccer and futsal teams, and the promotion of sports for persons with disabilities.

External evaluation
Evaluation by SRI and ESG assessment organizations
The Group makes efforts to disclose understandable and transparent information on its initiatives for addressing CSR
and ESG issues. The Group is included in major SRI and ESG indexes after being highly evaluated by assessment organizations in and outside Japan.
* SRI (socially responsible investment) and ESG (environmental, social, and governance) investment is an approach to select targets not only on the basis of financial data,
but also on initiatives for environmental and social issues, governance, and other considerations.

International

Japan

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7-1, Nihonbashi 2-chome, Chuo-ku, Tokyo 103-6031, Japan Tel: +81-3-3272-6110
http://www.td-holdings.co.jp/en/ mail:csr@td-holdings.co.jp

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Published in November 2018