Survey of 129 Child-Rearing Households in Their 30s Using Insurance Consultation Services: 70% Use Campaigns, But Top Reason for Choice is "Multi-Company Comparison," Only 13% for Gifts. Insurance Sales Representative Misconduct Boosts Choice of Neutral Consultation.
Selectra Japan K.K. announced the results of a survey on the usage of insurance consultation services by 129 child-rearing households in their 30s. Although about 70% use campaigns, the primary reason for choosing a service was "multi-company comparison," with only 13% motivated by gifts. Anxiety over misconduct by insurance company sales representatives is also a significant factor driving the choice of neutral insurance consultation.
📋 Article Processing Timeline
- 📰 Published: May 7, 2026 at 19:00
- 🔍 Collected: May 7, 2026 at 10:31
- 🤖 AI Analyzed: May 7, 2026 at 11:03 (32 min after Collected)
Selectra Japan K.K. (Shibuya-ku, Tokyo; Representative Director: Xavier Pinon), which operates the money information media "Smart Money Life" (https://smart-moneylife.jp), conducted a survey on the actual usage of insurance consultation campaigns among 129 child-rearing households in their 30s who have used insurance consultation services.
▶Details of the survey results: https://smart-moneylife.jp/consulting/campaign#survey-result-campaign
Summary of Survey Results
70% of 129 child-rearing households in their 30s who used insurance consultation services responded that they "used a campaign."
The reasons why 92 campaign users chose an insurance consultation service were:
1st place: Wanted to compare multiple companies (51%)
2nd place: Anxiety about news of insurance company sales representative fraud (42%)
3rd place: Can consult for free (40%)
▶Only 13% of people chose an insurance consultation service because they were attracted by campaign gifts.
The satisfaction of 92 campaign users is determined by the quality and convenience of insurance consultation, rather than gifts.
1st place: Smoothness of application (70%)
2nd place: Knowledge and quality of proposals from consultants (62%)
3rd place: Accessibility (62%)
Regardless of campaign usage, over 60% of the 129 respondents reviewed their insurance after consultation.
▶Reviewed (premiums increased but satisfied with coverage): 53 people (41%)
▶Reviewed (able to reduce premiums while maintaining coverage): 30 people (23%)
▶Many of those who did not review their insurance also had positive results from the consultation, such as "confirmed current insurance is optimal" or "gained new knowledge."
Survey Flow
① Screening survey conducted on 2,000 people (April 10, 2026)
Among the 2,000 responses collected, 454 respondents who met all the following conditions were extracted:
・Have children
・Enrolled in life insurance
・Selected "insurance shop or FP consultation (in-person/online)" as the enrollment channel
・Insurance management by the respondent themselves
・Valid descriptive responses
② Main survey conducted on 200 people (April 28, 2026)
Among the 454 people, 200 were selected for the main survey and asked about their experience using insurance consultation campaigns. Excluding invalid responses, 129 valid responses were classified as follows, and their content was analyzed.
Breakdown of 129 people who used insurance consultation services
Usage of insurance consultation campaign
Number of people
Used
92 people
Did not use
37 people
70% use insurance consultation campaigns, but...
We asked 129 people who had consulted with an insurance consultation service if they had ever used an insurance consultation campaign.
As a result, 92 out of 129 people (71%) answered "yes," and 37 people (29%) answered "no." This means approximately 70% use insurance consultation service campaigns.
However, despite 70% of people using insurance consultation campaigns, it became clear from subsequent data that surprisingly few people use insurance consultation services primarily for campaign content or gifts.
Why did campaign users choose an insurance consultation service? Campaign motivation is a minority, 1st place is "wanting to compare multiple companies."
We asked 92 insurance consultation campaign users why they chose an insurance consultation service. This can also be interpreted as the reason why they did not consult with a sales representative from a specific insurance company.
92 insurance consultation campaign users | Reasons for choosing an insurance consultation service?
●The main motivations for choosing an insurance consultation service are "can compare multiple companies and consult for free."
●42% of people were motivated by "anxiety about financial fraud incidents by insurance company sales representatives."
●Only 13% responded that they were "attracted by campaign gifts."
Multi-company comparison / Free consultation
The most common reasons why 92 campaign users chose an insurance consultation service, as shown below, highlight the unique characteristics of insurance consultation services.
Anxiety about insurance company sales representatives
Another characteristic trend is that many people chose insurance consultation services due to anxiety about the successive financial fraud incidents by insurance company sales representatives, which are currently making news as of May 2026.
It can now be said that more people prefer to choose their own insurance at an insurance consultation service not affiliated with a specific insurance company, rather than the traditional method of joining insurance through a proposal from an insurance company sales representative.
Similarly, a certain number of people chose to avoid solicitation by insurance company sales representatives.
▶Details of the survey results: https://smart-moneylife.jp/consulting/campaign#survey-result-campaign
Summary of Survey Results
70% of 129 child-rearing households in their 30s who used insurance consultation services responded that they "used a campaign."
The reasons why 92 campaign users chose an insurance consultation service were:
1st place: Wanted to compare multiple companies (51%)
2nd place: Anxiety about news of insurance company sales representative fraud (42%)
3rd place: Can consult for free (40%)
▶Only 13% of people chose an insurance consultation service because they were attracted by campaign gifts.
The satisfaction of 92 campaign users is determined by the quality and convenience of insurance consultation, rather than gifts.
1st place: Smoothness of application (70%)
2nd place: Knowledge and quality of proposals from consultants (62%)
3rd place: Accessibility (62%)
Regardless of campaign usage, over 60% of the 129 respondents reviewed their insurance after consultation.
▶Reviewed (premiums increased but satisfied with coverage): 53 people (41%)
▶Reviewed (able to reduce premiums while maintaining coverage): 30 people (23%)
▶Many of those who did not review their insurance also had positive results from the consultation, such as "confirmed current insurance is optimal" or "gained new knowledge."
Survey Flow
① Screening survey conducted on 2,000 people (April 10, 2026)
Among the 2,000 responses collected, 454 respondents who met all the following conditions were extracted:
・Have children
・Enrolled in life insurance
・Selected "insurance shop or FP consultation (in-person/online)" as the enrollment channel
・Insurance management by the respondent themselves
・Valid descriptive responses
② Main survey conducted on 200 people (April 28, 2026)
Among the 454 people, 200 were selected for the main survey and asked about their experience using insurance consultation campaigns. Excluding invalid responses, 129 valid responses were classified as follows, and their content was analyzed.
Breakdown of 129 people who used insurance consultation services
Usage of insurance consultation campaign
Number of people
Used
92 people
Did not use
37 people
70% use insurance consultation campaigns, but...
We asked 129 people who had consulted with an insurance consultation service if they had ever used an insurance consultation campaign.
As a result, 92 out of 129 people (71%) answered "yes," and 37 people (29%) answered "no." This means approximately 70% use insurance consultation service campaigns.
However, despite 70% of people using insurance consultation campaigns, it became clear from subsequent data that surprisingly few people use insurance consultation services primarily for campaign content or gifts.
Why did campaign users choose an insurance consultation service? Campaign motivation is a minority, 1st place is "wanting to compare multiple companies."
We asked 92 insurance consultation campaign users why they chose an insurance consultation service. This can also be interpreted as the reason why they did not consult with a sales representative from a specific insurance company.
92 insurance consultation campaign users | Reasons for choosing an insurance consultation service?
●The main motivations for choosing an insurance consultation service are "can compare multiple companies and consult for free."
●42% of people were motivated by "anxiety about financial fraud incidents by insurance company sales representatives."
●Only 13% responded that they were "attracted by campaign gifts."
Multi-company comparison / Free consultation
The most common reasons why 92 campaign users chose an insurance consultation service, as shown below, highlight the unique characteristics of insurance consultation services.
Anxiety about insurance company sales representatives
Another characteristic trend is that many people chose insurance consultation services due to anxiety about the successive financial fraud incidents by insurance company sales representatives, which are currently making news as of May 2026.
It can now be said that more people prefer to choose their own insurance at an insurance consultation service not affiliated with a specific insurance company, rather than the traditional method of joining insurance through a proposal from an insurance company sales representative.
Similarly, a certain number of people chose to avoid solicitation by insurance company sales representatives.