--- title: オリックス生命保険 aliases: ["オリックス生命", "ORIX Life", "ORIX Life Insurance", "ORIX Life Insurance Corporation", "オリックス生命保険株式会社"] domain: life-insurers created: 2026-05-19 last_updated: 2026-07-30 last_tended: 2026-07-30 review_by: 2026-12-24 confidence: likely tags: [JapanFG, life-insurance, orix, omnichannel-insurance] status: active sources: - "FSA: List of life insurance companies, ORIX Life Insurance Corporation verified 2026-06-24 (https://www.fsa.go.jp/en/regulated/licensed/ins_life.pdf)" - "ORIX Group: Insurance business overview, information as of 2025-03-31 (https://www.orix.co.jp/grp/en/about/businesses/insurance/)" - "ORIX Life: Performance page, policies in force and rating as of 2026 (https://www.orixlife.co.jp/about/results/)" - "ORIX Life: Disclosure magazine ORIX Life no genjo 2025 (https://www.orixlife.co.jp/about/results/disclosure/pdf/2025_y.pdf)" --- # オリックス生命保険 ## Wiki route This entry sits under [[life-insurers/INDEX|life-insurers INDEX]]. Read it against [[life-insurers/lifenet|ライフネット生命]] for direct-online contrast, [[leasing-firms/orix-corp|ORIX Corporation]] for group context, and [[insurance/INDEX|insurance index]] for the broader system / regulatory boundary. ## TL;DR オリックス生命保険は、FSA の life-insurance-company list に掲載される国内生命保険会社で、[[leasing-firms/orix-corp|ORIX Corporation]] group の insurance business を担う。^[source:fsa-life-list-2026][source:orix-insurance-overview-2025] ORIX Group の insurance overview は、ORIX Life が 1991 年に started し、medical insurance and death insurance を中心に、agents、financial institutions、mail-order / online sales、Conserve Advisors を組み合わせる omnichannel strategy を採ると説明する。^[source:orix-insurance-overview-2025] 2025 disclosure は 2024年度末の solvency margin ratio を **939.5%** と示す。^[source:orix-life-disclosure-2025] ライフネットのような pure online direct insurer ではなく、**ORIX group の非上場 life-insurance manufacturer / distributor with multiple channels** として扱う。 ## 1. Entity / licence boundary | Item | Reading | |---|---| | Legal name | オリックス生命保険株式会社 / ORIX Life Insurance Corporation。^[source:fsa-life-list-2026] | | Parent / group | ORIX Group business page presents ORIX Life under the Insurance business; FinWiki links parent context to [[leasing-firms/orix-corp|ORIX Corporation]].^[source:orix-insurance-overview-2025] | | Licence boundary | FSA English life-insurer list includes ORIX Life Insurance Corporation.^[source:fsa-life-list-2026] | | Disclosure regime | ORIX Life says insurers prepare disclosure magazines describing business and financial condition by fiscal year; the 2025 disclosure covers FY2024.^[source:orix-life-results-2026] | | Soundness metric | 2024年度末 solvency margin ratio 939.5%; the disclosure explains the ratio is an administrative-supervision indicator for capacity to absorb risks beyond normal expectations.^[source:orix-life-disclosure-2025] | ## 2. Business model / channel map ORIX Group describes ORIX Life's business as life insurance including medical insurance and death insurance, with assets of JPY 3,009.2bn and profits of JPY 74.4bn as of 2025-03-31.^[source:orix-insurance-overview-2025] The same page states the company offers products based on simple, easy-to-understand and reasonably priced coverage, and markets through four channels.^[source:orix-insurance-overview-2025] | Channel | Role | |---|---| | Insurance agents | Broad third-party distribution and insurance-shop reach.^[source:orix-insurance-overview-2025] | | Financial institutions | Bancassurance / bank-window route; relevant when comparing to megabank and regional-bank distribution.^[source:orix-insurance-overview-2025] | | Mail-order / online sales | Direct-response route; useful but not equivalent to pure online-only.^[source:orix-insurance-overview-2025] | | Conserve Advisors | ORIX Life's employee sales channel, named by ORIX Group as part of the sales architecture.^[source:orix-insurance-overview-2025] | This hybrid channel structure is the key distinction from [[life-insurers/lifenet|Lifenet]]. ORIX Life can use online acquisition, but its core positioning is a multi-channel ORIX-group insurer rather than an internet-only challenger. ## 3. Products / group role | Lane | Reading | |---|---| | Medical / third-sector insurance | ORIX Group emphasizes medical insurance and customer appreciation; ORIX Life's disclosure and results pages should be the source for any product-level updates.^[source:orix-insurance-overview-2025][source:orix-life-results-2026] | | Death insurance | ORIX Group names death insurance as part of the life-insurance business.^[source:orix-insurance-overview-2025] | | Group balance-sheet role | The insurance business sits inside broader ORIX financial services; this links the page to [[leasing-firms/orix-corp]] and non-bank finance / asset-management readings. | | Customer base | ORIX Life's performance page reports 4.71mn policies in force as of 2026-03.^[source:orix-life-results-2026] | | Rating signal | The same performance page reports R&I insurance-claims-paying ability rating AA as of 2026-02-24.^[source:orix-life-results-2026] | ## 4. Solvency / capital reading The 2025 disclosure's solvency-margin table matters because ORIX Life is large enough for asset-management risk, interest-rate moves and third-sector insurance risk to be explicit reading axes: - 2024年度末 solvency margin ratio: **939.5%**, down 47.8 points from the prior fiscal year.^[source:orix-life-disclosure-2025] - The table attributes risk-total movement partly to asset-management risk, so interest-rate / market-risk assumptions matter for ORIX Life even though retail product pages emphasize medical / death insurance.^[source:orix-life-disclosure-2025] - The disclosure notes a 200% threshold as the level below which supervisory early-correction action can be taken; this makes the ratio a regulatory signal rather than a marketing KPI.^[source:orix-life-disclosure-2025] ## 5. Peer / contrast map The following table is scoped to public primary sources (fsa.go.jp, orix.co.jp, orixlife.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; orix.co.jp; orixlife.co.jp] | Peer / category | Contrast | |---|---| | [[life-insurers/lifenet|Lifenet]] | Online-first listed insurer with embedded partner strategy; ORIX Life is larger and omnichannel. | | [[life-insurers/aflac-japan|Aflac Japan]] | Third-sector / cancer-heavy peer set; ORIX Life has ORIX group financial-services adjacency. | | [[life-insurers/dai-ichi-life|Dai-ichi Life]] / [[life-insurers/nippon-life|Nippon Life]] | Large legacy insurers with very different agency / workplace distribution and mutual / group structures. | | [[megabanks/sbi-hd|SBI group insurance]] | Internet-finance ecosystem peer; ORIX's adjacency is broader financial services and leasing / investment. | ## Related - 親会社・グループ: [[leasing-firms/orix-corp]] - Direct-online peer: [[life-insurers/lifenet]] - 日系大手生保: [[life-insurers/dai-ichi-life]] · [[life-insurers/nippon-life]] · [[life-insurers/meiji-yasuda]] · [[life-insurers/sumitomo-life]] · [[life-insurers/kampo-life]] - 外資・第三分野系: [[life-insurers/aflac-japan]] · [[life-insurers/prudential-japan]] · [[life-insurers/axa-japan]] ## Sources - **FSA**: List of life insurance companies（ORIX Life Insurance Corporation 掲載、2026-06-24 確認）https://www.fsa.go.jp/en/regulated/licensed/ins_life.pdf - **ORIX Group**: Insurance business overview（information as of 2025-03-31）https://www.orix.co.jp/grp/en/about/businesses/insurance/ - **ORIX Life**: 業績 / performance page（保有契約件数 471 万件、R&I AA、2026-06-24 確認）https://www.orixlife.co.jp/about/results/ - **ORIX Life**: ディスクロージャー誌「オリックス生命の現状2025」https://www.orixlife.co.jp/about/results/disclosure/pdf/2025_y.pdf --- > [!info] 検証状況 > confidence: **likely**（2026-06-24）。FSA life-insurer list、ORIX Group official business overview、ORIX Life 2025 disclosure / performance pageで確認。旧 Wikipedia 依存の沿革・商品記述は、公式 source に寄せて弱化・置換した。