Acquisition of prospective insurance customers and expansion of corporate partnerships

「In December 2025, the Company began a new business partnership with a major company operating nationwide, and customer acquisition through partner companies is showing signs of recovery.」

「The number of prospective insurance customers is currently somewhat weak, but going forward the Company will continue strengthening efforts to expand its customer base and improve services alongside expansion of its sales workforce, while working to create an environment in which customers can seek advice with confidence.」

「As a result, the pace of growth in the overall sales workforce slowed, and the Company restrained customer acquisition through partner companies in some regions, causing the number of prospective insurance customers to remain somewhat weak. Customer acquisition through the Company’s own channels, including its website, remained firm.」

「Accordingly, in parallel with expanding its sales workforce, the Company is actively working to increase prospective insurance customers, and both partner-company and own-channel acquisition are progressing smoothly. Reservations to visit Money Doctor Premier stores and the contract transfer business also contributed to the increase in customers acquired through the Company’s own channels.」

「In parallel with increasing the number of sales representatives, the Company is actively working to increase the number of prospective insurance customers. At the same time, it will strengthen relationships with partner companies capable of securing appointments that better match its services and narrow the number of partners to prevent the dispersion of internal resources and improve operational efficiency.」

「Alongside measures to increase the number of sales representatives, the Company is also focusing on expanding its prospective insurance customer base and is developing new sources of visits through both partner-company and own-channel acquisition.」

「The number of prospective insurance customers progressed smoothly, supported by stronger relationships with existing partners, reaching 150,130, an increase of 10,135, or 7.2%, from the end of the previous fiscal year. During the fiscal year, efforts to improve the efficiency and productivity of customer acquisition through partner companies reduced the number of partner companies by 8 to 92 as of 30 November 2023, while the number of leads increased as described above.」

「Following the full-scale launch of the DC Office, established in March 2023, the number of prospective insurance customers acquired through a fully remote process increased. The Company continued reviewing its partner companies to acquire more qualified prospective insurance customers, reaching 96 companies after entering into new partnerships with 9 companies and terminating partnerships with 13 companies during the three months ended August 2023.」

「In March 2023, the Company established the Direct Center Office of its Non-Life Insurance Business Division (the “DC Office”), which concludes contracts by telephone and other means, and began serving prospective insurance customers through a fully remote process, contributing to the increase in the number of leads. The number of partner companies remained unchanged at 100 from the end of the previous fiscal year, but the Company reviewed its partners to acquire more qualified prospective insurance customers, entering into new partnerships with 3 companies and terminating partnerships with 3 companies during the three months ended May 2023.」

「In addition, leads generated through the Company’s Money Doctor service website during the three months ended February 2023 progressed smoothly at 4,258, up 32.8% from the fourth quarter of the fiscal year ended November 2022. The number of partner companies was unchanged from 100 at the end of the previous fiscal year, but the Company reviewed its partners to acquire higher-quality prospective insurance customers, entering into new partnerships with 2 companies and terminating partnerships with 2 companies.」

「The number of prospective insurance customers continued to progress smoothly during the fiscal year, supported by an increase in partner companies and stronger relationships with existing partners, reaching 139,995, up 18.6% from the end of the previous fiscal year. Leads generated through the Company’s service website during the fiscal year totaled 9,974, an increase of 4,306 from the end of the previous fiscal year. The number of partner companies increased by 7 from the end of the previous fiscal year to 100 as of 30 November 2022.」

「The number of prospective insurance customers continued to progress smoothly during the nine months ended August 2022, reaching 101,761. Apart from July 2022, when infections spread rapidly, the impact of COVID-19 was limited, and the figure reached 86.2% of the 118,117 recorded at the end of the previous fiscal year. Leads generated through the Company’s service website during the nine months ended August 2022 totaled 7,116, an increase of 2,570 from the six months ended May 2022. The number of partner companies increased by 5 from the six months ended May 2022 to 105 as of 31 August 2022.」