Monex Life Insurance Purchase Completes Second Case, First in Japan for a Listed Company Group to Acquire Individual Life Insurance Policies
Monex Life Settlement (MLS), a wholly-owned subsidiary of Monex Group, has completed its second life insurance policy acquisition case, marking the first instance in Japan where a group company of a listed firm has acquired an individual life insurance policy. This provides a new option for individuals to obtain funds during their lifetime, even for policies without surrender value or living benefits riders.
📋 Article Processing Timeline
- 📰 Published: May 8, 2026 at 00:40
- 🔍 Collected: May 7, 2026 at 16:02
- 🤖 AI Analyzed: May 7, 2026 at 16:40 (38 min after Collected)
Monex Life Settlement Co., Ltd. (Headquarters: Minato-ku, Tokyo; Representative Director: Tomomitsu Moriyama; hereinafter "MLS"), a wholly-owned subsidiary of Monex Group, Inc., has completed its second life insurance policy acquisition case.
Following the first case announced in April 2025 (acquisition of life insurance policies contracted by corporations), this marks the first instance in Japan where a group company of a listed firm has acquired an individual life insurance policy.
Overview of this Life Insurance Acquisition:
Insurance Policy: Term life insurance without surrender value
Insured Amount: 2 million yen
Surrender Value: 0 yen
Acquisition Amount: 1.3 million yen (MLS will also bear future premiums after acquisition)
Normally, for policies without surrender value or those without a living benefits rider (conditional on terminal illness diagnosis), options for obtaining funds during one's lifetime were limited.
In this case, by MLS acquiring the policy at a fair price, the policyholder was able to secure a lump sum of cash early and utilize it during their lifetime, in exchange for transferring rights such as the claim for insurance benefits.
● Policyholder Interviews Now Available
Voices of those who have actually used this service are now public.
[Case 1]
[Life Insurance Acquisition User Interview] A Business Owner's Choice Facing Cancer: Securing Business Succession with Life Insurance Sale Proceeds
[Case 2]
[Life Insurance Acquisition User Interview] Cancer Treatment is a "Battle with Medicine": Deciding to Sell Life Insurance to Enjoy Life Now
What is Life Settlement? — The "Third Option" for Life Insurance
Generally, there are two ways to utilize life insurance: "receiving insurance benefits (upon death)" or "receiving surrender value through mid-term cancellation."
"Life settlement" is a third option, already established in Europe and the US, that follows these two. By utilizing life settlement, policyholders can obtain funds during their lifetime by selling their life insurance policy to a third party, making it a new means of monetization when financial needs arise.
Especially in Japan, options for monetizing policies without a living benefits rider or those without surrender value were limited. Furthermore, a challenge with the living benefits rider is that it can only be used when the illness has progressed considerably. "Monex Life Insurance Purchase" can address these issues.
Benefits of Life Settlement:
If sold for a higher amount than the surrender value, funds can be used for living expenses, medical treatment costs, business funds, etc.
Funds can be obtained earlier than with a living benefits rider.
Can meet financial needs during life while keeping the insurance policy active.
In some cases, the policy can be repurchased if cancer goes into remission.
Precautions for Life Settlement:
As the beneficiary of the insurance policy changes with the sale, family protection will be lost.
In some cases, the amount received may be less compared to continuing the insurance policy.
Towards the Spread of Life Settlement in Japan
Life settlement has a history of several decades in the US and some European countries, proving to be an effective system for financial planning, especially for the elderly. However, its recognition is still low in Japan, and both the system and providers are in the early stages of dissemination. Monex Group upholds the philosophy of "enabling individual self-realization and optimizing their lifetime balance sheets." We believe that providing cancer patients with the option to monetize their life insurance policies at a fair price contributes to this philosophy. Therefore, we established MLS and offer "Monex Life Insurance Purchase" to acquire life insurance policies from cancer patients.
Our goal is to widely publicize the possibility of "selling life insurance" and deliver information to those who need the service, thereby promoting the spread and establishment of life insurance acquisition services in Japan.
MLS will actively promote collaboration with medical institutions, healthcare companies, facilities for the elderly, care managers, and other welfare-related parties to provide this new option of "monetizing life insurance" to even more people. This aims to create an environment where cancer patients can access life settlement when needed.
Company Information:
Company Name: Monex Life Settlement Co., Ltd. (100% subsidiary of Monex Group, Inc.)
Representative: Tomomitsu Moriyama, Representative Director
Headquarters: Ark Mori Building 24F, 1-12-32 Akasaka, Minato-ku, Tokyo 107-6024
Website: https://life-settlement.monex.co.jp/
Following the first case announced in April 2025 (acquisition of life insurance policies contracted by corporations), this marks the first instance in Japan where a group company of a listed firm has acquired an individual life insurance policy.
Overview of this Life Insurance Acquisition:
Insurance Policy: Term life insurance without surrender value
Insured Amount: 2 million yen
Surrender Value: 0 yen
Acquisition Amount: 1.3 million yen (MLS will also bear future premiums after acquisition)
Normally, for policies without surrender value or those without a living benefits rider (conditional on terminal illness diagnosis), options for obtaining funds during one's lifetime were limited.
In this case, by MLS acquiring the policy at a fair price, the policyholder was able to secure a lump sum of cash early and utilize it during their lifetime, in exchange for transferring rights such as the claim for insurance benefits.
● Policyholder Interviews Now Available
Voices of those who have actually used this service are now public.
[Case 1]
[Life Insurance Acquisition User Interview] A Business Owner's Choice Facing Cancer: Securing Business Succession with Life Insurance Sale Proceeds
[Case 2]
[Life Insurance Acquisition User Interview] Cancer Treatment is a "Battle with Medicine": Deciding to Sell Life Insurance to Enjoy Life Now
What is Life Settlement? — The "Third Option" for Life Insurance
Generally, there are two ways to utilize life insurance: "receiving insurance benefits (upon death)" or "receiving surrender value through mid-term cancellation."
"Life settlement" is a third option, already established in Europe and the US, that follows these two. By utilizing life settlement, policyholders can obtain funds during their lifetime by selling their life insurance policy to a third party, making it a new means of monetization when financial needs arise.
Especially in Japan, options for monetizing policies without a living benefits rider or those without surrender value were limited. Furthermore, a challenge with the living benefits rider is that it can only be used when the illness has progressed considerably. "Monex Life Insurance Purchase" can address these issues.
Benefits of Life Settlement:
If sold for a higher amount than the surrender value, funds can be used for living expenses, medical treatment costs, business funds, etc.
Funds can be obtained earlier than with a living benefits rider.
Can meet financial needs during life while keeping the insurance policy active.
In some cases, the policy can be repurchased if cancer goes into remission.
Precautions for Life Settlement:
As the beneficiary of the insurance policy changes with the sale, family protection will be lost.
In some cases, the amount received may be less compared to continuing the insurance policy.
Towards the Spread of Life Settlement in Japan
Life settlement has a history of several decades in the US and some European countries, proving to be an effective system for financial planning, especially for the elderly. However, its recognition is still low in Japan, and both the system and providers are in the early stages of dissemination. Monex Group upholds the philosophy of "enabling individual self-realization and optimizing their lifetime balance sheets." We believe that providing cancer patients with the option to monetize their life insurance policies at a fair price contributes to this philosophy. Therefore, we established MLS and offer "Monex Life Insurance Purchase" to acquire life insurance policies from cancer patients.
Our goal is to widely publicize the possibility of "selling life insurance" and deliver information to those who need the service, thereby promoting the spread and establishment of life insurance acquisition services in Japan.
MLS will actively promote collaboration with medical institutions, healthcare companies, facilities for the elderly, care managers, and other welfare-related parties to provide this new option of "monetizing life insurance" to even more people. This aims to create an environment where cancer patients can access life settlement when needed.
Company Information:
Company Name: Monex Life Settlement Co., Ltd. (100% subsidiary of Monex Group, Inc.)
Representative: Tomomitsu Moriyama, Representative Director
Headquarters: Ark Mori Building 24F, 1-12-32 Akasaka, Minato-ku, Tokyo 107-6024
Website: https://life-settlement.monex.co.jp/