{"id":259,"date":"2023-04-24T15:11:29","date_gmt":"2023-04-24T15:11:29","guid":{"rendered":"https:\/\/companyformationjapan.com\/?p=259"},"modified":"2023-04-24T15:11:32","modified_gmt":"2023-04-24T15:11:32","slug":"establish-an-insurance-company-in-japan","status":"publish","type":"post","link":"https:\/\/companyformationjapan.com\/establish-an-insurance-company-in-japan\/","title":{"rendered":"Establish an Insurance Company in Japan"},"content":{"rendered":"\n<p>In January 2016, the Bank of Japan introduced a negative interest rate strategy. This strategy enabled lower market interest rates, which started to have an impact on the single-premium insurance products. Our specialists in\u00a0<a href=\"https:\/\/www.companyformationjapan.com\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>company formationin Japan<\/strong><\/a>\u00a0can help you in\u00a0<strong>establishing an insurance company in Japan<\/strong>.<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_65 counter-hierarchy ez-toc-counter ez-toc-custom ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title \" >Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/companyformationjapan.com\/establish-an-insurance-company-in-japan\/#types-of-insurances-in-japan\" title=\"Types of&nbsp;insurances&nbsp;in Japan\">Types of&nbsp;insurances&nbsp;in Japan<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/companyformationjapan.com\/establish-an-insurance-company-in-japan\/#capital-requirements-for-insurance-businesses-in-japan\" title=\"Capital requirements for insurance businesses in Japan\">Capital requirements for insurance businesses in Japan<\/a><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"types-of-insurances-in-japan\"><\/span><strong>Types of&nbsp;<\/strong><strong>insurances<\/strong><strong>&nbsp;in Japan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>In&nbsp;<strong>Japan,&nbsp;<\/strong><strong>insurances<\/strong>&nbsp;can be:<\/p>\n\n\n\n<p>1. <strong>Business&nbsp;<\/strong><strong>insurances<\/strong>: they provide fundamental insurance for the protection and management of a company.&nbsp;<strong>Business&nbsp;<\/strong><strong>insurances<\/strong><strong>&nbsp;in Japan<\/strong>&nbsp;can be:<\/p>\n\n\n\n<p>a. Vehicle insurances;<\/p>\n\n\n\n<p>b. Personnel insurances;<\/p>\n\n\n\n<p>c. Public liability insurances;<\/p>\n\n\n\n<p>d. Building and content insurances.<\/p>\n\n\n\n<p>2. <strong>Personal&nbsp;<\/strong><strong>insurances<\/strong>: these are customized to meet a private person\u2019s daily needs and cover him or her in case of an injury or damage, as well as to his or her assets or property. These insurances can be:<\/p>\n\n\n\n<p>a. Home insurances;<\/p>\n\n\n\n<p>b. Earthquake insurances;<\/p>\n\n\n\n<p>c. Car insurances;<\/p>\n\n\n\n<p>d. Health insurances;<\/p>\n\n\n\n<p>e. Life insurances.<\/p>\n\n\n\n<p>Our&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/about-us\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>Japan company formation advisors<\/strong><\/a>&nbsp;can provide more details about the types of&nbsp;<strong>insurance<\/strong><strong>&nbsp;in Japan<\/strong>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"capital-requirements-for-insurance-businesses-in-japan\"><\/span><strong>Capital requirements for insurance businesses in Japan<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>According to the Financial Services Agency (FSA) in the&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/relocate-to-japan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>country<\/strong><\/a>, the common framework, which represents the solvency margin standard, is set for both&nbsp;<strong>life and general insurance businesses<\/strong>&nbsp;in FY (financial year)1996.&nbsp;<\/p>\n\n\n\n<p>The solvency margin ratio is set at the solvency margin (divided by \u00bd multiplied by the risk amount) multiplied by 100. Our&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/types-of-companies-in-japan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>company<\/strong><\/a>&nbsp;<strong>registration<\/strong>&nbsp;advisors<strong>&nbsp;in Japan<\/strong>&nbsp;can provide further information on the capital necessary to open such a company.<\/p>\n\n\n\n<p>The initial capital required for such businesses is minimum JPY 1 billion.<\/p>\n\n\n\n<p>The FSA in Japan permanently monitors and verifies in a regular basis all the<strong>&nbsp;insurance companies&nbsp;<\/strong>in the country, since their number is quite small (44 for life insurance and 55 for general insurance).&nbsp;<\/p>\n\n\n\n<p>The FSA may require more reports and issues orders if needed from<strong>&nbsp;insurance companies<\/strong>, even when the solvency margin ratio of the business is above the regulatory minimum. Therefore, it might request more information on:<\/p>\n\n\n\n<ul>\n<li>\u2022 The company\u2019s profitability;<\/li>\n\n\n\n<li>\u2022 The credit risk management;<\/li>\n\n\n\n<li>\u2022 The market risk management;<\/li>\n\n\n\n<li>\u2022 The liquidity risk management.<\/li>\n<\/ul>\n\n\n\n<p>Investors who wish to open a company in Japan will most often apply for a business manager visa. This allows one to obtain&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/how-to-obtain-a-residence-permit-in-japan\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>residence in Japan<\/strong><\/a>&nbsp;and therefore be able to remain in the country for the long-term purpose of running the company. A business manager can apply for this visa based on his expertise and qualifications, however, he will also need to comply with other requirements.&nbsp; &nbsp;<\/p>\n\n\n\n<p>For more details about&nbsp;<strong>insurance companies<\/strong>, or for assistance in<strong>&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/starting-a-business-in-japan\" target=\"_blank\" rel=\"noreferrer noopener\">starting a business in Japan<\/a><\/strong>, we invite you to&nbsp;<a href=\"https:\/\/www.companyformationjapan.com\/contact\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>speak<\/strong><\/a>&nbsp;to our&nbsp;<strong>Japan company formation<\/strong>&nbsp;executives.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In January 2016, the Bank of Japan introduced a negative interest rate strategy. This strategy enabled lower market interest rates, which started to have an impact on the single-premium insurance products. Our specialists in\u00a0company formationin Japan\u00a0can help you in\u00a0establishing an insurance company in Japan. Types of&nbsp;insurances&nbsp;in Japan In&nbsp;Japan,&nbsp;insurances&nbsp;can be: 1. Business&nbsp;insurances: they provide fundamental insurance [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":70,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[38,12,96,97,14],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Establish an Insurance Company in Japan<\/title>\n<meta name=\"description\" content=\"We can assist you to establish an insurance company in Japan. 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