---
title: "楽天生命保険"
aliases: ["楽天生命", "Rakuten Life", "Rakuten Life Insurance", "楽天生命保険株式会社"]
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, rakuten, ecosystem-finance, operating-company]
status: active
sources:
  - "https://www.fsa.go.jp/menkyo/hoken.pdf"
  - "https://www.seiho.or.jp/member/list/"
  - "https://www.rakuten-insurance.co.jp/"
---

# 楽天生命保険


## Wiki route

This entry sits under [[life-insurers/INDEX|life-insurers INDEX]]. Read it against [[non-life-insurers/rakuten-general-insurance|楽天損害保険]] for peer / contrast context and [[insurance/INDEX|insurance index]] for the broader system / regulatory boundary.

## TL;DR

楽天生命保険株式会社は、[[payment-firms/rakuten-fg]] / Rakuten ecosystem の life-insurance operating company。金融庁 life-insurer list に載る separate underwriter で、楽天カード・銀行・証券・決済・ポイント経済圏と接続しうる insurance node として見る。

## 1. License / group boundary

The following table is scoped to public primary sources (fsa.go.jp, seiho.or.jp, rakuten-insurance.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; rakuten-insurance.co.jp]

| Item | Notes |
|---|---|
| Legal name | 楽天生命保険株式会社 |
| License route | Insurance Business Act life-insurance company; FSA life insurer list |
| Industry body | Life Insurance Association of Japan member |
| Group boundary | [[payment-firms/rakuten-fg]] / Rakuten insurance ecosystem |
| Wiki role | Rakuten ecosystem life-insurance underwriting arm |

## 2. Operating model

楽天生命は、Rakuten ID, points, card, bank, securities, payments, marketplace traffic と接続しうる life insurer。FinWiki では [[card-issuers/rakuten-card]]、[[payment-firms/rakuten-edy]]、[[securities-firms/rakuten-securities]]、[[payment-firms/rakuten-fg]] と同じ ecosystem-finance cluster に置く。

Ecosystem insurer の分析では、保険単体の商品収益だけでなく、customer acquisition cost, points economics, app / marketplace traffic, cross-sell rules, sales-conduct obligations を見る必要がある。

## 3. Why this page matters

- Parent [[payment-firms/rakuten-fg]] page did not expose the separate life-insurance underwriting entity.
- Important comparison point against [[life-insurers/sbi-life]], [[life-insurers/lifenet]], and [[life-insurers/sony-life]].
- Supports consumer ecosystem finance mapping.

## Related

- [[payment-firms/rakuten-fg]]
- [[card-issuers/rakuten-card]]
- [[payment-firms/rakuten-edy]]
- [[securities-firms/rakuten-securities]]
- [[life-insurers/sbi-life]]
- [[life-insurers/lifenet]]
- [[insurance/internet-life-insurance-business-model]]

## 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.
- 楽天生命 / 楽天保険 official website.