First in Japan (*1), Launch of "Wealth Term Insurance", a Group Life Insurance for Users of Discretionary Investment Services
WealthNavi and Dai-ichi Life launched 'Wealth Term Insurance', Japan's first group life insurance exclusively for users of WealthNavi's asset management service. Utilizing a user base of over 460,000 as a 'group' enables affordable premiums online.
📋 Article Processing Timeline
- 📰 Published: April 14, 2026 at 00:00
- 🔍 Collected: April 13, 2026 at 16:35
- 🤖 AI Analyzed: April 19, 2026 at 20:38 (148h 3m after Collected)
WealthNavi Inc. (Headquarters: Shinagawa-ku, Tokyo, Representative Director and CEO: Kazuhisa Shibayama, hereinafter 'WealthNavi') and Dai-ichi Life Insurance Company, Limited (Headquarters: Chiyoda-ku, Tokyo, Representative Director and President: Toshiaki Sumino, hereinafter 'Dai-ichi Life') have started offering 'Wealth Term Insurance', a group insurance aimed at customers using WealthNavi's asset management services.
For the first time in Japan (*1), we are providing a group life insurance with death benefits for users of a discretionary investment service.
'Wealth Term Insurance' is an online-only group term insurance exclusively for WealthNavi customers. By multiplying the service base of WealthNavi, which is used by over 460,000 people (*3)—the largest (*2) among discretionary investment services in Japan—with a group insurance scheme, customers can secure death coverage at an affordable premium.
Group insurance is often introduced as part of a welfare program for people belonging to a specific 'group', such as corporate employees. By positioning WealthNavi customers as a single 'group' this time, we can now offer insurance products that leverage the unique advantages of group insurance to customers using WealthNavi.
Please note that an application for 'Wealth Term Insurance' requires opening an account for WealthNavi's asset management service (starting the use of the discretionary investment service).
Apply for 'Wealth Term Insurance' here: https://www.wealthnavi.com/insurance/lp/group
■ Background of Offering 'Wealth Term Insurance'
For the working generation, balancing 'preparation for the future' through asset management and 'preparation for emergencies' through life insurance is an essential and important issue. While the penetration rate of life insurance remains high at about 90% (*4), the amount of life insurance enrolled against the necessary coverage amount for death benefits remains at about 50% (*5), showing a tendency of not sufficiently securing the necessary coverage. Furthermore, as a preparation for future living and retirement funds, the importance of asset management is increasing even more for the working generation.
Against this backdrop, Dai-ichi Life, which has continued to support customers' peace of mind since its founding in 1902, and WealthNavi, which is used by over 460,000 customers (*3) primarily from the working generation, have combined their strengths to launch the handling of 'Wealth Term Insurance', creating a synergy between 'life insurance' and 'asset management'.
'Wealth Term Insurance' is a group term insurance that makes it easy to suppress premium burdens while the working generation secures necessary coverage. By allocating the surplus funds generated from suppressing insurance premiums to asset management, it is expected to accelerate the speed of asset formation for the future.
Through the provision of 'Wealth Term Insurance', WealthNavi and Dai-ichi Life will spread it as one of the rational options that simultaneously realize 'preparation for emergencies' and 'preparation for the future' for the working generation in Japan, and will continue to contribute to a secure and affluent life for each individual.
■ Main Features of 'Wealth Term Insurance'
1. Secure coverage with affordable premiums unique to group insurance.
'Wealth Term Insurance' utilizes the mechanisms unique to group insurance to secure coverage at an affordable premium. WealthNavi handles administrative procedures as the insurance policyholder, and by utilizing the service base used by over 460,000 customers (*3), it suppresses operating costs and realizes affordable premiums.
Also, 'Wealth Term Insurance' is a term insurance that provides death coverage for a certain period. By securing the necessary coverage only for the necessary period according to the life stage, such as 'until the children become independent' or 'until retirement', it is expected to reduce the burden of insurance premiums.
⚫︎ The stated insurance premiums are for April 2026 to March 2027.
⚫︎ The above is just an example. Premiums vary depending on the enrollment details (premium rate corresponding to the insurance amount, insurance age, gender, number of insured persons, whether 'Health Support Discount' is applied, etc.).
⚫︎ Please check here for coverage details, here for insurance age, and here for the 'Health Support Discount'.
2. Application process takes a minimum of 5 minutes (*6). Easy to do with just a smartphone.
The application procedure is completed online in a minimum of 5 minutes (*6). Even without specialized knowledge or even if you have no time due to work or childcare, you can easily apply with a single smartphone in your spare time.
When purchasing insurance individually, detailed declarations of health conditions and medical examinations by a doctor are often required, but 'Wealth Term Insurance' only requires a simple declaration
For the first time in Japan (*1), we are providing a group life insurance with death benefits for users of a discretionary investment service.
'Wealth Term Insurance' is an online-only group term insurance exclusively for WealthNavi customers. By multiplying the service base of WealthNavi, which is used by over 460,000 people (*3)—the largest (*2) among discretionary investment services in Japan—with a group insurance scheme, customers can secure death coverage at an affordable premium.
Group insurance is often introduced as part of a welfare program for people belonging to a specific 'group', such as corporate employees. By positioning WealthNavi customers as a single 'group' this time, we can now offer insurance products that leverage the unique advantages of group insurance to customers using WealthNavi.
Please note that an application for 'Wealth Term Insurance' requires opening an account for WealthNavi's asset management service (starting the use of the discretionary investment service).
Apply for 'Wealth Term Insurance' here: https://www.wealthnavi.com/insurance/lp/group
■ Background of Offering 'Wealth Term Insurance'
For the working generation, balancing 'preparation for the future' through asset management and 'preparation for emergencies' through life insurance is an essential and important issue. While the penetration rate of life insurance remains high at about 90% (*4), the amount of life insurance enrolled against the necessary coverage amount for death benefits remains at about 50% (*5), showing a tendency of not sufficiently securing the necessary coverage. Furthermore, as a preparation for future living and retirement funds, the importance of asset management is increasing even more for the working generation.
Against this backdrop, Dai-ichi Life, which has continued to support customers' peace of mind since its founding in 1902, and WealthNavi, which is used by over 460,000 customers (*3) primarily from the working generation, have combined their strengths to launch the handling of 'Wealth Term Insurance', creating a synergy between 'life insurance' and 'asset management'.
'Wealth Term Insurance' is a group term insurance that makes it easy to suppress premium burdens while the working generation secures necessary coverage. By allocating the surplus funds generated from suppressing insurance premiums to asset management, it is expected to accelerate the speed of asset formation for the future.
Through the provision of 'Wealth Term Insurance', WealthNavi and Dai-ichi Life will spread it as one of the rational options that simultaneously realize 'preparation for emergencies' and 'preparation for the future' for the working generation in Japan, and will continue to contribute to a secure and affluent life for each individual.
■ Main Features of 'Wealth Term Insurance'
1. Secure coverage with affordable premiums unique to group insurance.
'Wealth Term Insurance' utilizes the mechanisms unique to group insurance to secure coverage at an affordable premium. WealthNavi handles administrative procedures as the insurance policyholder, and by utilizing the service base used by over 460,000 customers (*3), it suppresses operating costs and realizes affordable premiums.
Also, 'Wealth Term Insurance' is a term insurance that provides death coverage for a certain period. By securing the necessary coverage only for the necessary period according to the life stage, such as 'until the children become independent' or 'until retirement', it is expected to reduce the burden of insurance premiums.
⚫︎ The stated insurance premiums are for April 2026 to March 2027.
⚫︎ The above is just an example. Premiums vary depending on the enrollment details (premium rate corresponding to the insurance amount, insurance age, gender, number of insured persons, whether 'Health Support Discount' is applied, etc.).
⚫︎ Please check here for coverage details, here for insurance age, and here for the 'Health Support Discount'.
2. Application process takes a minimum of 5 minutes (*6). Easy to do with just a smartphone.
The application procedure is completed online in a minimum of 5 minutes (*6). Even without specialized knowledge or even if you have no time due to work or childcare, you can easily apply with a single smartphone in your spare time.
When purchasing insurance individually, detailed declarations of health conditions and medical examinations by a doctor are often required, but 'Wealth Term Insurance' only requires a simple declaration