Sompo Holdings Profile

Realization of “Theme Park for the Security, Health, and Wellbeing of Customers”The Sompo Holdings Group is reforming existing business models as well as its entire business portfolio

by leveraging digital technologies and developing new businesses and services.

By creating new value through transformation into a “theme park for the security, health, and wellbeing

of customers,” we aim to help realize a resilient, sustainable society.

Sompo Japan Nipponkoa Insurance Inc. sells insurance through agencies. SAISON AUTOMOBILE AND FIRE INSURANCE COM-

PANY, LIMITED and Sonpo 24 Insurance Company Limited are responsible for direct sales. In addition, Sompo Japan Nipponkoa

DC Securities Inc. provides defined contribution pension fund management services, and Sompo Risk Management Inc. pro-

vides risk solution services and handles the cybersecurity business.

Sompo Japan Nipponkoa’s Products and Services That Leverage Leading-Edge Digital Technologies

Safe Driving Support System for Companies—Smiling Road

We offer a telematics-enabled service that supports safe driving using a

dedicated driving monitor. The service reduces accidents, with the cumu-

lative number of accidents at all companies using the service down

roughly 20%.

Introduction of Telematics-Enabled

Insurance with Safe Driving Discounts

We have developed Japan’s first telematics-

enabled insurance. Customers can receive

discounts of up to 20% on premiums based on

the results of the driving examinations of our

smartphone app. We have been selling the new

insurance product since January 2018.

Sompo Risk Management’s Main Services

• Support services to establish, revise, and train in business continuity plans

• Social media risk consultation services

• Cybersecurity services

Value-generating innovation —Be the most highly evaluated P&C insurance company—Domestic P&C Insurance Business

Domestic P&C insurance business

Domestic life insurance business

Overseas insurance business

Nursing care & healthcare

business

jpn_sompo-rm_comm-logomark_en_type-b_basic_posi

Sompo Japan Nipponkoa Himawari Life Insurance, Inc., offers new services centered on health and sells protection products,

such as medical insurance and family income insurance, mainly through agencies.

The Sompo Holdings Group has developed

its business through organic growth and

disciplined M&A. The group operates its

overseas business in 218 cities located in

30 countries and regions worldwide, in both

developed and emerging countries.

Evolve into a health support enterprise—The second founding—

Sompo International, the core company in the overseas insurance business, is a global specialty pro-

vider of commercial P&C insurance and reinsurance, currently comprised of the operations of legacy

Endurance (acquired in March 2017), Sompo America and SJNK Europe. This company, with high-

quality underwriting and risk management expertise in the commercial business, offers a wide range of commercial property, liability and

specialty insurance and reinsurance products on a global basis.

Sompo International’s operating platform across North America and Europe will lead the strategic expansion of Sompo’s overseas

commercial and retail business. In the retail business, we have established a new platform in Sompo International Holdings to facilitate

the integration of our overseas operations. This new platform will enable us to accelerate the growth of the overseas insurance business

by sharing underwriting, technology, and other expertise to fully leverage the Group’s resources.

Global Expansion218 cities in 30 countries and regions (As of March 31, 2018)

Overseas Insurance Business

Domestic Life Insurance Business

The Launch of Our First Insurhealth Product

In April 2018, we launched a renewed family

income insurance product, which combines insur-

ance coverage and health support.

The insurance industry’s first “Get Healthy

Challenge!” program reduces the premiums of

customers whose health improves within a certain

period after enrollment. Moreover, the program

provides customers with a reimbursement of the

difference between the former and reduced premi-

ums dating back to the time of policy enrollment.

Development of the Health Service Brand

Linkx (pronounced “link cross”) is a health service brand that we launched

in September 2016.Our aim is to offer health-related apps and products

that not only pay out the insurance amount when the need arises but also

provide support for illness avoidance by building relationships with cus-

tomers throughout their lifetimes and helping customers maintain and

improve their health.

Health information app that supports personal health

Dieting app that enables friends or partners to pair up to keep each other on track

Walking app that makes daily walks more fun

Automatic household accounting app that visualizes money flows

Accelerate growth through steady organic growth and disciplined M&A activities

Asset Management Business

Assistance Business Healthcare Business

Home Remodeling Business

Extended Warranty Business

Strategic Businesses

We offer services of the highest grade 24/7 that

support the security and wellbeing of customers

in their daily lives.

We use the latest technologies to provide compa-

nies, medical insurers, and other customers with

comprehensive health-care services, which cover

individualized analysis of mental and physical health

through to prevention and recurrence prevention.

This company proposes and provides top-caliber

products and asset management services to assist

customers in building asset portfolios over the

medium-to-long term. Such offerings are made

available through its investment advisory business

geared toward pension funds and other institu-

tional investors and through its investment trust

business designed primarily for private investors.

As a general remodeling firm, the

company eliminates uneasiness, incon-

venience, and discomfort through

high-quality remodeling services, pro-

viding homes in which residents can

live safely, comfortably, and with peace

of mind.

As a professional extended warranty company, we

offer extended warranty services that enable cus-

tomers to prolong insurance periods beyond prod-

uct manufacturers’ warranty periods and use repair

services for malfunctioning or defective products.

Nursing Care Business Sales of Listed Nursing Care Providers (Fiscal Year Ended March 31, 2018)

Facility-based

nursing care

We operate 299 fee-based nursing homes in the low- to mid-price range under the Sompo Care Sompo no Ie and Sompo Care La vie Re brands as well as 132 serviced residential complexes for the elderly under the Sompo Care Sompo no Ie S brand.

At-home

nursing care

Under the Sompo Care brand, we provide home-visit nursing care and other at-home nursing care services through 686 offices.

* The number of at-home nursing care service offices is based on the number of separately registered service types and differs from the number of locations

Sompo Care Group’s sales second highest in industry

1 Company A ¥148.1 billion

2 Sompo Care Group ¥119.2 billion

3 Company B ¥111.8 billion

4 Company C ¥81.8 billion

5 Company D ¥45.5 billion

6 Company E ¥39.5 billion

* Prepared by Sompo Holdings, Inc., based on each company’s financial settlement documents

Main services

• Road assistance

• Home assistance

• Overseas medical care program

• Business process outsourcing

• Services for visitors to Japan

Main services

• Support services for Health & Productivity

Management* and for mental and physical health

• Health guidance and support service (information

services, specific health guidance, support in

preventing the progression of disease)

* Health & Productivity Management is a registered trademark of the incorporated nonprofit organization Workshop for the Management of Health on Company and Employee

jpn_sompo-hs_comm-logomark_en_type-b_basic_posi

In July 2018, we merged our four nursing care service companies and relaunched them as Sompo Care Inc. Further, in April 2018

we introduced a Regional Headquarters System that divides Japan into four regions. This enables us to provide one-stop con-

sultation services in each region with respect to our full lineup of nursing care services, which encompasses everything from at-

home nursing care to facility based nursing care.

Realize “Japan, an affluent country that can boast to the world of a long and quality life”

Nursing Care & Healthcare Business

Development of Products and Services Leveraging the Latest Digital Technologies

We have established SOMPO Digital Lab in the world’s leading-edge technology hubs as a base for the creation of products

and services that use new digital technologies. As an addition to our two labs in Tokyo and Silicon Valley, we established a lab

in Israel in November 2017.

DRIVING! Safe Driving Support Service for Individuals

In January 2018, as a rider for automobile insurance, we introduced a service for

individuals that is based on telematics and driving recorders.

We help customers drive safely by using our differentiated capabilities as an insu

rance company to provide an extensive lineup of services that contributes to safety

and reassurance when customers are driving, when they are off the road, and if an

accident occurs.

Home Hazard MapsWe have developed unique hazard maps by combining the insurance payment data of

Sompo Japan Nipponkoa with the hazard maps issued by public institutions. We have

been providing these maps through agencies nationwide since April 2018.

We are endeavoring to further enhance the satisfaction of customers with respect

to their insurance policies by visualizing natural disaster risks in regions where cus-

tomers reside—such as the probability of earthquakes, envisioned inundation height

(water depth) during floods, and locations with a danger of landslides—and giving

customers a better understanding of natural disaster risks.

A screenshot of the SOMPO Egao Club website service menu page

Insurance payment

Accident response

Monitoring and detection

Reinforcementmeasures

Policy formulation

Sophisticateddiagnosis

One-Stop Platform

Simple diagnosis

Full service lineup

Collaboration

Partner companies with advanced technological and solution capabilities

Participation in the Cybersecurity Business

The Sompo Holdings Group entered the cybersecurity business

in January 2018. We offer one-stop services for cybersecurity

measures that encompass risk assessments and preventive

measures through to compensation. These services are based

on an alliance with cybersecurity providers who offer advanced

services and the leading-edge technologies that are available

to the Group through SOMPO Digital Lab Tel Aviv’s local net-

work in Israel.

Launch of the SOMPO Dementia Support Program

In order to address various social issues surrounding dementia, Sompo

Holdings, Inc., launched “SOMPO Dementia Support Program” by aiming “to

build a society that strives to prevent dementia, and enables people to continue

living with dignity as individuals, even after being diagnosed with dementia”.

Since October 2018, Sompo Japan Nipponkoa has been marketing Oyako

No Chikara, an insurance product that enables people to avoid having to

resign from work to provide nursing care to aging parents. At the same time,

Sompo Japan Nipponkoa Himawari Life Insurance has been marketing Linkx

Egao Wo Mamoru Dementia Insurance, an insurance product which pays a

one-time insurance benefit when the insured is diagnosed with both mild

cognitive impairment (MCI) and dementia. As an ancillary service to these

products, we are also providing the SOMPO Egao Club Dementia Support

Service, which supplies information of the measures to prevent a cognitive

impairment and services to support the delivery of appropriate care.

Tel Aviv / Silicon Valley

18.11 501427 -0600

(billions of yen)

(FY)0

500

2,000

3,000

1,000

2,500

1,500

2,552.1

2,854.7

2,550.3

2015 2016 2017

159.5

139.8

166.4

50

100

200

0

150

2015 2016 2017

(billions of yen)

(FY)

Corporate Data

Key Indicators

(As of March 31, 2018)

History

Tokyo FireJul. 1887

Sompo JapanJul. 2002

Sompo Japan NipponkoaMerged on September 1, 2014

Yasuda Fire & Marine Nissan Fire & Marine Taisei Fire & Marine

Nippon AccidentMay 1911

Nippon FireMay 1892

NIPPONKOAApr. 2001

Nippon Fire & Marine Koa Fire & Marine

Chugai MarineApr. 1918

NKSJ HoldingsEstablished on April 1, 2010

Sompo Japan Nipponkoa HoldingsChanged our company name on September 1, 2014

Sompo HoldingsChanged our company name on

October 1, 2016

Company name : Sompo Holdings, Inc.

Date of establishment : April 1, 2010

Capital : 100 billion yen

Group CEOPresident & CEO

: Kengo Sakurada

Business activities : Management of P&C insurance compa-nies, life insurance companies, and other companies controlled as subsidiaries pur-suant to the Insurance Business Law, and other related operations.

Exchange listing : Tokyo Stock Exchange (First Section)

Net Premiums Written Rating Information (As of August 16, 2018)

Rating agency ObjectSompo Japan Nipponkoa

Sompo Japan Nipponkoa Himawari Life

S&PFinancial Strength Rating A+ A+

Moody’sInsurance Financial Strength Rating A1 —

Rating and InvestmentInformation, Inc. (R&I)

Issuer Rating AA —

Insurance Claims Paying Ability — AA

Japan Credit RatingAgency, Ltd. (JCR)

Ability to Pay Insurance Claims Rating AA+ —

A.M.BestFinancial Strength Ratings A+ —

Net Income Attributable to Shareholders of the Parent

26-1, Nishi-Shinjuku 1-chome, Shinjuku-ku, Tokyo 160-8338, Japan

URL: https://www.sompo-hd.com/en/

FY2011June Berjaya (Malaysia) becomes

consolidated subsidiary.October Sompo Japan Himawari Life and

Nipponkoa Life merge to form the company that is now Sompo Japan Nipponkoa Himawari Life Insurance.

FY2012April Prime Assistance is established and

enters assistance business.September Cedar becomes affiliate and enters

nursing care business.

FY2013June Marítima Seguros (Brazil) becomes

consolidated subsidiary.

　

FY2014September Sompo Japan and NIPPONKOA

merge to form Sompo Japan Nipponkoa.

FY2015April Fresh House becomes subsidiary and

enters home remodeling business.December Watami no Kaigo becomes subsid-

iary, and Group establishes Sompo Care Next.

Product Warranty Japan (now Sompo Warranty) becomes subsidiary and enters extended warranty business.

March Former capital alliance partner Mes-sage becomes subsidiary.

　

FY2016June Group concludes Bancassurance

agreement with major banking group in ASEAN, CIMB Group Holdings.

March Sompo International (British Overseas Territory of Bermuda) becomes subsidiary.

FY2017January The Sompo Holdings Group enters

the cybersecurity business.

FY2018July Four companies, including Sompo

Care and Sompo Care Next, merge to form Sompo Care.

October Sompo Risk Management & Health Care splits into Sompo Risk Manage-ment and Sompo Health Support.

Domestic P&C Insurance Business Domestic Life Insurance Business Nursing Care & Healthcare Business

Overseas Insurance Business Strategic Businesses