# ライフネット生命保険（7157） FY2021 有価証券報告書

Source: Komori (komori.app) — https://komori.app/company/7157/filing/2021-fy
提出日: 2022-06-21
対象期間: 2021-04-01 〜 2022-03-31
企業ページ: https://komori.app/company/7157
原本（EDINET）: https://disclosure2dl.edinet-fsa.go.jp/searchdocument/pdf/S100OB3H.pdf

## 事業

Life Net Life Insurance is an online-driven life insurer aiming to be a leading company in the online life insurance market. It emphasizes customer-centric products/services and digital enablement, and migrated from Mothers to Growth market in 2022. Main products include term life insurance “かぞくへの保険”, whole life medical insurance “じぶんへの保険3” and “じぶんへの保険3レディース”, disability income insurance “働く人への保険3”, and cancer insurance “ダブルエール”. Primary sales channel is internet/website with partnerships (KDDI, Seven & i Fin. Service, Money Forward). Single segment: life insurance. 
Key indicators reported include new annualized premiums (4,089百万円), new contracts (100,636), ending-year policies (21,511百万円) and in-force contracts (507,428件), policyholders (322,231名), lapse/termination rate 6.6%, EEV metrics (2022末 116,604百万円), revised EV changes, IFRS timeline, and cash flow details. Operational and profitability indicators show operating expense ratio around 19.5%, and per-share valuations such as PBR and stock price ranges are noted.

## 数字

- 設備投資: 5億円
- フリーキャッシュフロー: -50億円
- 従業員数: 174人

## セグメント

- Life Insurance (single segment) / 売上高 262億円

## 地域別

- 日本 / 売上高 210億円
- 北米 / 売上高 50億円
- その他 / 売上高 17億円