MS&AD

MS&AD Insurance Group Holdings (MS&AD) is a Japanese insurance company that serves as an insurance holding company. It was established in 2008 through the merger of Aioi Insurance Co., Ltd., Nissay Dowa General Insurance Co., Ltd., and Mitsui Sumitomo Insurance Group. The company operates globally and is listed on the Nikkei 225.

MS&AD Insurance Group Holdings operates in five business domains: Domestic Non-life Insurance Business, Financial Services Business, Domestic Life Insurance Business, Risk-Related Services Business, and International Business. The company focuses on developing appealing products and services, improving business efficiency, and utilizing its expanded sales base. It leverages its extensive network across various countries and regions to conduct international business. Additionally, MS&AD Insurance Group Holdings operates in financial and capital markets to cater to sophisticated customer needs and offers risk-related services beyond insurance to provide comprehensive risk solutions. 

The company's management plans revolve around value creation, transformation, and group synergy. It strives to provide new value through innovative products, leverage data and digital technology for risk consulting, establish new business opportunities, and enhance operational efficiency. MS&AD Insurance Group Holdings aims to be a resilient and sustainable corporate group, supporting society while achieving steady growth.

MS&AD Insurance Group Holdings has its headquarters in Tokyo, Japan, and continues to be a prominent player in the insurance industry, both domestically and internationally.

MS&AD Holdings, Inc. was established in April 2008 as a holding company through the integration of four prominent insurance companies: Mitsui Sumitomo Insurance Co., Ltd., Mitsui Sumitomo Kirameki Life Insurance Co., Ltd., Mitsui Sumitomo MetLife Insurance Co., Ltd., and Mitsui Direct General Insurance Co., Ltd. This move aimed to consolidate their resources and expertise under a unified entity.

In September 2009, MS&AD Holdings, Inc. made an important announcement regarding the integration of management between three insurance companies: Aioi Insurance Co., Ltd., Nissay Dowa General Insurance Co., Ltd., and Mitsui Sumitomo Insurance Group Holdings, Inc. This strategic integration aimed to enhance their collective capabilities, strengthen market presence, and streamline operations for improved efficiency.

Recognizing the evolving nature of the insurance industry, MS&AD Holdings, Inc. underwent a name change in April 2010 and became known as MS&AD Insurance Group Holdings, Inc. This new name better reflected the company's core focus on the insurance business and its position as a holding company overseeing multiple insurance entities.

Continuing their efforts towards consolidation and optimization, in October 2010, Aioi Insurance Co., Ltd., and Nissay Dowa Insurance Co., Ltd. completed the integration of their management operations. This integration led to the formation of Aioi Nissay Dowa Insurance Co., Ltd., leveraging the combined strengths and resources of both companies to enhance their competitive position in the insurance market.

In February 2020, MS&AD Holdings announced Noriyuki Hara as its next president. Hara assumed the leadership role within the company, responsible for guiding its strategic direction and overseeing its operations. This appointment aimed to drive the company forward and navigate the dynamic landscape of the insurance industry.

Throughout its history, MS&AD Holdings has pursued a strategy of mergers, integrations, and partnerships to strengthen its position in the insurance market. By bringing together diverse insurance entities under its umbrella, the company seeks to provide comprehensive insurance solutions and enhance its competitiveness in serving the evolving needs of customers.

MS&AD's mission is to contribute to the development of a vibrant society and secure a sound future for the planet through its global insurance and financial services business. The company aims to enable safety and peace of mind, providing security and satisfaction to its customers.

MS&AD upholds a set of core values. Customer focus is paramount, with a commitment to delivering security and satisfaction to customers. Integrity is upheld through sincere, kind, and fair dealings with people. Teamwork is fostered, valuing individual respect, opinions, and knowledge sharing. Innovation is embraced, continuously improving work processes while responding to stakeholders' interests. Professionalism is a cornerstone, providing high-quality services through the constant enhancement of skills and proficiency.

In line with its mission and values, MS&AD engages in co-creation with diverse stakeholders to address social issues such as climate change. Through these initiatives, the company aims to grow alongside society, fostering a resilient and sustainable corporate group that supports societal well-being.

MS&AD's CSV (Creating Shared Value) initiatives involve confronting evolving social issues, developing a value-creation story, and engaging in value co-creation with various stakeholders. The company strives for sustainable growth and the enhancement of corporate value, aligning with the development of society.

MS&AD's vision is to create a world-leading insurance and financial services group that consistently pursues sustainable growth and enhances corporate value. The company strives to be at the forefront of the industry, setting a benchmark for excellence and innovation.

With this vision, MS&AD aims to establish itself as a global leader in the insurance and financial services sector. It seeks to continuously improve and expand its offerings, providing exceptional products and services that meet the evolving needs of its customers.

Sustainable growth is a key component of MS&AD's vision. The company is committed to long-term success and aims to achieve it by effectively managing risks, optimizing its operations, and seizing strategic opportunities. By embracing sustainable practices and maintaining a strong financial position, MS&AD aims to create lasting value for its stakeholders.

Enhancing corporate value is another crucial aspect of MS&AD's vision. The company seeks to deliver consistent returns to its shareholders while also contributing to the well-being of society. Through responsible business practices, ethical conduct, and a commitment to social and environmental stewardship, MS&AD aims to build trust and credibility, ultimately enhancing its corporate value.

Looking ahead to 2030, MS&AD aspires to be a corporate group that supports a resilient and sustainable society, making a positive impact and contributing to a better future for all.

MS&AD offers a comprehensive range of services across various business domains to meet the diverse needs of its customers:

- Domestic Non-life Insurance Business: MS&AD develops and provides appealing products and services tailored to its diverse sales and customer base. The company focuses on improving business efficiency through strategic integration, ensuring seamless operations and delivering value to its customers.

- Domestic Life Insurance Business: Leveraging its expanded sales base, MS&AD offers attractive products and services with a focus on cross-selling opportunities alongside non-life insurance. In the realm of personal annuities, the company has established itself as a leading provider by offering unique and innovative solutions.

- International Business: With a strong network spanning 49 countries and regions, including a significant presence in the Asian region, MS&AD conducts business leveraging its global strength. The company capitalizes on its top-class business foundations to serve customers worldwide and meet their insurance and financial needs.

- Financial Services Business: MS&AD operates in various areas within the financial and capital markets, catering to increasingly sophisticated customer demands. The company strives to offer comprehensive financial services, ensuring it remains at the forefront of market trends and providing tailored solutions to meet the evolving needs of its clients.

- Risk-Related Services Business: MS&AD goes beyond traditional insurance offerings and provides services that contribute to customers' overall risk solutions. By understanding the complexities of risk management, the company offers additional support and expertise to help customers mitigate and navigate risks effectively.

Through its diverse range of services, MS&AD aims to be a trusted partner to its customers, delivering innovative and tailored solutions that provide security and peace of mind. By constantly adapting to changing market dynamics and customer expectations, MS&AD remains committed to meeting the evolving needs of its clients across various sectors and regions.