Question 1

Is Meiji Yasuda Life Insurance a regulated and financially strong company?

Accepted Answer

Meiji Yasuda Life Insurance Company is highly regulated and rated with strong financial strength by AM Best, having an A+ (Superior) Financial Strength Rating and a "aa-" (Superior) Long-Term Issuer Credit Rating with a stable outlook. The company exhibits strongest balance sheet strength supported by robust capital adequacy and prudent risk management. It maintains a high solvency margin ratio of 1,033% and an economic solvency ratio of approximately 220%, reflecting excellent capital adequacy. These ratings and ratios demonstrate that Meiji Yasuda Life is financially stable and well-capitalized to meet its obligations and support long-term business sustainability.

Question 2

What are Meiji Yasuda Life’s core profit and growth drivers?

Accepted Answer

Meiji Yasuda Life has shown strong profitability with a core profit margin rising to 18% by March 2024, up from 12% a year earlier, driven by reduced COVID-19 related claims and favorable foreign exchange impacts due to a weaker yen against the US dollar. Its premium income increased by 15% and core profit by 27% in the first quarter of fiscal year 2025. The company is also expanding its operations internationally, notably through acquisitions such as American Heritage Life Insurance via its US subsidiary StanCorp Financial Group, which diversifies its revenue streams and supports growth.

Question 3

Is Meiji Yasuda Life Insurance suitable for beginner investors?

Accepted Answer

Meiji Yasuda Life Insurance is suitable for a broad range of investors, including those new to insurance and investment products, as it offers diversified insurance products including foreign currency-denominated policies that have performed well owing to favorable exchange rates. The company’s solid financial foundation, stable profit growth, and expanding international presence provide a strong and trustworthy platform for beginner investors seeking stability and growth potential in their insurance investments.

Question 4

How does Meiji Yasuda Life manage investment risks related to market volatility?

Accepted Answer

Meiji Yasuda Life manages investment risk through robust enterprise risk management and sophisticated economic-based capital indicators like its economic solvency ratio and group surplus results. Despite holding significant equity investments which expose it to market volatility and foreign exchange risk, the company maintains a strong capital base to absorb potential fluctuations. Its financial leverage has been lowered from 18% to 12%, improving its risk profile. Fitch Ratings has noted some elevated risky-asset exposure but acknowledges the company’s conservative risk management practices.

Question 5

What steps is Meiji Yasuda Life taking toward responsible investing and ESG commitments?

Accepted Answer

Meiji Yasuda Life through its asset management arm embraces ESG (Environmental, Social, and Governance) principles and has joined the Net Zero Managers Initiative aiming for net zero greenhouse gas emissions in its investment portfolios by 2050. The company believes environmental sustainability is increasingly aligned with investment returns and is committed to continuous engagement with firms it invests in to promote values and sustainability. Despite fluctuations in ESG policy popularity globally, Meiji Yasuda remains focused on long-term environmental responsibility as a core investment strategy.

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