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This year, a change in the Insurance Business Act led to a significant reduction in the delegation of claims adjustment tasks to subsidiaries by major life insurers This year, a change in the Insurance Business Act led to a significant reduction in the delegation of claims adjustment tasks to subsidiaries by major life insurers, even as the total amount of fees paid to these subsidiaries increased. The new regulation aims to curb "self-claims adjustment" practices, but the issue of fee concentration remains persistent. This article explores the current state of subsidiary delegation in the insurance industry, the background of the regulatory changes, and their impact. In 2024, the proportion of claims adjustment work delegated to subsidiaries by major life insurance companies has significantly decreased. This change is largely attributed to the recent implementation of measures to prevent "self-claims adjustment." According to the insurance industry, three major lif...

Since the introduction of the new international accounting standard, IFRS17, non-life insurers have shown steady growth by accumulating future profits, Since the introduction of the new international accounting standard, IFRS17, non-life insurers have shown steady growth by accumulating future profits, while life insurers have been experiencing declining sales and profits. With interest rate cuts anticipated in the second half of the year, the debt burden on life insurers is expected to increase further. Let's take a closer look at the current state of the insurance industry and its future outlook. Since the adoption of the new international accounting standard, IFRS17, at the beginning of last year, the domestic insurance industry's situation has seen contrasting developments between non-life and life insurers. Based on the Contractual Service Margin (CSM), a key metric under IFRS17, non-life insurers have been steadily accumulating future profits and reporting record earnings...

Aplus Asset Advisor (Aplus Asset), a listed General Agency (GA), has shown remarkable growth in its first-half performance, with its operating profit nearly tripling. Aplus Asset Advisor (Aplus Asset), a listed General Agency (GA), has shown remarkable growth in its first-half performance, with its operating profit nearly tripling. This growth is attributed to a special boom in the life insurance market, driven by intense competition among insurers to sell short-term whole life insurance. However, Aplus Asset's performance in non-life insurance sales has also shown significant growth, proving its competitiveness in the market. This blog post will delve into the factors behind Aplus Asset's success and its future outlook. Life Insurance Boom and Non-Life Insurance Success Aplus Asset achieved significant growth in its operating profit in the first half of this year, nearly tripling compared to the same period last year. While this impressive result was largely due to a special b...