---
title: "富国生命保険"
aliases: ["富国生命", "フコク生命", "Fukoku Life", "Fukoku Mutual Life", "富国生命保険相互会社"]
domain: life-insurers
created: 2026-05-21
last_updated: 2026-07-30
last_tended: 2026-07-30
review_by: 2026-11-21
confidence: likely
tags: [JapanFG, insurance, life-insurance, mutual-company, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/hoken.pdf"
  - "https://www.seiho.or.jp/member/list/"
  - "https://www.fukoku-life.co.jp/"
---

# 富国生命保険


## Wiki route

This entry sits under [[life-insurers/INDEX|life-insurers INDEX]]. Read it against [[life-insurers/asahi-life|朝日生命保険]] for peer / contrast context and [[insurance/INDEX|insurance index]] for the broader system / regulatory boundary.

## TL;DR

富国生命保険相互会社は、金融庁 life-insurer list と生命保険協会会員一覧に載る mutual life-insurance operating company。大手 4 社ほどの規模 headline はないが、相互会社形態の independent life insurer として、[[life-insurers/asahi-life]]、[[life-insurers/nippon-life]]、[[life-insurers/meiji-yasuda]]、[[life-insurers/sumitomo-life]] と同じ governance category で扱う。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, seiho.or.jp, fukoku-life.co.jp). It restates licence / structure / product boundaries from those materials and does not invent market share, ranking, or unstated numerical claims. ^[source:fsa.go.jp; seiho.or.jp; fukoku-life.co.jp]

| Item | Notes |
|---|---|
| Legal name | 富国生命保険相互会社 |
| Brand | フコク生命 |
| License route | Insurance Business Act life-insurance company; FSA life insurer list |
| Industry body | Life Insurance Association of Japan member |
| Governance form | Mutual life insurer |

## 2. Operating model

富国生命は、traditional life-insurance products and sales channels を持つ independent mutual insurer。FinWiki では、mutual-company governance, policyholder orientation, solvency, channel productivity を比較するために standalone page とする。

Mutual life insurers are not listed equity plays; analysis should avoid using listed-company metrics alone. Instead, disclosure review should focus on policyholder protection, solvency margin / ESR transition, surplus distribution, and long-term product economics.

## 3. Why this page matters

- Adds another registry-confirmed mutual life insurer to JapanFG.
- Improves comparison coverage beyond the largest four life insurers.
- Useful for [[insurance/mutual-vs-stock-life-insurer]] routing.

## Related

- [[life-insurers/asahi-life]]
- [[life-insurers/nippon-life]]
- [[life-insurers/meiji-yasuda]]
- [[life-insurers/sumitomo-life]]
- [[insurance/mutual-vs-stock-life-insurer]]
- [[insurance/INDEX]]

## Sources

- FSA: life-insurance company license list, as of 2026-04-13.
- Life Insurance Association of Japan: member-company list, as of 2026-04-13.
- 富国生命 official website.