"Monex Insurance Purchase" Completes Second Case, First in Japan for a Listed Company Group to Acquire Individual Life Insurance Policies
Monex Life Settlement Co., Ltd. has completed its second life insurance policy purchase, marking Japan's first instance of a listed company group acquiring an individual life insurance policy. This service, "Monex Insurance Purchase," offers a new option for policyholders, even those with no surrender value, to obtain funds during their lifetime.
📋 Article Processing Timeline
- 📰 Published: May 8, 2026 at 00:40
- 🔍 Collected: May 7, 2026 at 16:02
- 🤖 AI Analyzed: May 7, 2026 at 16:29 (27 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 recently completed its second case of life insurance policy purchase.
Following the first case announced in April 2025 (the purchase of a corporate-contracted life insurance policy), this marks the first instance in Japan of a listed company group purchasing an individually contracted life insurance policy.
**Overview of this Life Insurance Purchase:**
* **Insurance Policy:** Term life insurance without surrender value
* **Insured Amount:** 2 million yen
* **Surrender Value:** 0 yen
* **Purchase Price:** 1.3 million yen (MLS also covers premiums after acquisition)
Normally, for insurance policies without a surrender value or without a Living Needs Rider (conditional on a terminal illness diagnosis), options to obtain funds during one's lifetime have been limited.
In this case, by MLS purchasing the insurance at a fair price, policyholders can 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.
**● User Interviews Published**
Voices of those who have actually used this service are being published.
**[First Case]**
[Life Insurance Purchase User Interview] A Business Owner's Choice Facing Cancer: Solidifying Business Succession with Funds from Life Insurance Sale
**[Second Case]**
[Life Insurance Purchase User Interview] Cancer Treatment is a "Battle with Medicine": Deciding to Sell Life Insurance to Live for Today
**What is Life Insurance Purchase (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 upon mid-term cancellation."
"Life Insurance Purchase (Life Settlement)" is a third option, already established in the West. It allows policyholders to obtain funds during their lifetime by selling their life insurance policy to a third party, serving as a new means of monetization when funding needs arise.
Particularly in Japan, options for monetization have been limited for contracts without Living Needs Riders or policies without surrender value. Furthermore, a challenge with Living Needs Riders is that they can only be utilized when the illness has progressed significantly. "Monex Insurance Purchase" addresses these challenges.
**Benefits of Life Settlement:**
* If sold for a higher amount than the surrender value, funds can be used for living expenses, medical treatment, or business capital.
* Funds can be obtained earlier than with a Living Needs Rider.
* It allows addressing financial needs during one's lifetime while leveraging the insurance contract.
* In some cases, the insurance policy can be repurchased if cancer goes into remission.
**Precautions for Life Settlement:**
* With the sale of an insurance policy, the beneficiary of the insurance benefits changes, meaning family coverage is lost.
* In some cases, the amount received may be less than if the insurance policy were continued.
**Towards the Popularization 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, especially for the financial planning of seniors. However, its recognition is still low in Japan, and both the system and providers are in the process of popularization. Monex Group upholds the philosophy of "enabling individual self-realization and optimizing their lifetime balance sheet." 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 Insurance Purchase" to acquire life insurance policies from cancer patients.
Our first step is to widely spread the awareness that "there is a possibility of having life insurance purchased" and to deliver information to those who need the service, thereby aiming to popularize and establish life insurance purchase services in Japan.
MLS will actively promote collaborations 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 in the future. Through these efforts, we aim 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:** Representative Director Tomomitsu Moriyama
* **Head Office:** Ark Mori Building 24F, 1-12-32 Akasaka, Minato-ku, Tokyo 107-6024
* **Homepage:** https://life-settlement.monex.co.jp/
Following the first case announced in April 2025 (the purchase of a corporate-contracted life insurance policy), this marks the first instance in Japan of a listed company group purchasing an individually contracted life insurance policy.
**Overview of this Life Insurance Purchase:**
* **Insurance Policy:** Term life insurance without surrender value
* **Insured Amount:** 2 million yen
* **Surrender Value:** 0 yen
* **Purchase Price:** 1.3 million yen (MLS also covers premiums after acquisition)
Normally, for insurance policies without a surrender value or without a Living Needs Rider (conditional on a terminal illness diagnosis), options to obtain funds during one's lifetime have been limited.
In this case, by MLS purchasing the insurance at a fair price, policyholders can 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.
**● User Interviews Published**
Voices of those who have actually used this service are being published.
**[First Case]**
[Life Insurance Purchase User Interview] A Business Owner's Choice Facing Cancer: Solidifying Business Succession with Funds from Life Insurance Sale
**[Second Case]**
[Life Insurance Purchase User Interview] Cancer Treatment is a "Battle with Medicine": Deciding to Sell Life Insurance to Live for Today
**What is Life Insurance Purchase (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 upon mid-term cancellation."
"Life Insurance Purchase (Life Settlement)" is a third option, already established in the West. It allows policyholders to obtain funds during their lifetime by selling their life insurance policy to a third party, serving as a new means of monetization when funding needs arise.
Particularly in Japan, options for monetization have been limited for contracts without Living Needs Riders or policies without surrender value. Furthermore, a challenge with Living Needs Riders is that they can only be utilized when the illness has progressed significantly. "Monex Insurance Purchase" addresses these challenges.
**Benefits of Life Settlement:**
* If sold for a higher amount than the surrender value, funds can be used for living expenses, medical treatment, or business capital.
* Funds can be obtained earlier than with a Living Needs Rider.
* It allows addressing financial needs during one's lifetime while leveraging the insurance contract.
* In some cases, the insurance policy can be repurchased if cancer goes into remission.
**Precautions for Life Settlement:**
* With the sale of an insurance policy, the beneficiary of the insurance benefits changes, meaning family coverage is lost.
* In some cases, the amount received may be less than if the insurance policy were continued.
**Towards the Popularization 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, especially for the financial planning of seniors. However, its recognition is still low in Japan, and both the system and providers are in the process of popularization. Monex Group upholds the philosophy of "enabling individual self-realization and optimizing their lifetime balance sheet." 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 Insurance Purchase" to acquire life insurance policies from cancer patients.
Our first step is to widely spread the awareness that "there is a possibility of having life insurance purchased" and to deliver information to those who need the service, thereby aiming to popularize and establish life insurance purchase services in Japan.
MLS will actively promote collaborations 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 in the future. Through these efforts, we aim 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:** Representative Director Tomomitsu Moriyama
* **Head Office:** Ark Mori Building 24F, 1-12-32 Akasaka, Minato-ku, Tokyo 107-6024
* **Homepage:** https://life-settlement.monex.co.jp/