We are pleased to announce that, in order to ensure that all our customers can use insurance with peace of mind and to provide insurance proposals that are tailored to the individual needs of each customer, we have adopted the seven principles of the FD Declaration.

​

[Principle 1] Formulation and publication of policies regarding customer-centric business operations, etc.

Our company prioritizes the best interests of our customers and will publish this policy on our website and other platforms.

In addition, to verify that this policy is being properly implemented and adopted within the company, we will formulate "Key Performance Indicators (KPIs)," publish the verification results annually, and work towards improvement.

​

[Principle 2] Pursuing the best interests of the customer

In our insurance sales process, we carefully confirm our customers' intentions and circumstances to propose the most suitable insurance products and services.

【Initiatives】

1. Insurance policies can be complex, but we strive to provide explanations that are easy for anyone to understand, using brochures and verbal communication while minimizing the use of technical jargon.

2. We will provide information and advice that we believe may be necessary in addition to insurance.

3. We provide 24-hour telephone interpretation support in case of emergencies.

 

[Principle 3] Appropriate management of conflicts of interest

​

We do not recommend or sell products for the agency’s own benefit, such as commission income.

​

【Initiatives】

​

1. We record and save customer intentions and negotiation details in our customer management system.

 

[Principle 4] Clarification of fees, etc.

 

Our company provides customers with easy-to-understand information tailored to the specific characteristics of each product.
We will provide a thorough explanation of costs, risks, and other details, especially for investment products.

【Initiatives】

1. We will provide explanations and deliver brochures and important information documents.

2. We record and save customer intentions and negotiation details in our customer management system.

[Principle 5] Providing important information in an easy-to-understand manner.

Our company will explain not only the coverage details, but also important points and exclusions (cases in which insurance benefits will not be paid) in a clear and thorough manner.

【Initiatives】

1. We will provide explanations and deliver brochures and important information documents.

2. For products other than life insurance, we will explain them to foreign customers in Portuguese or English.

3. We record and save customer intentions and negotiation details in our customer management system.

[Principle 6] Providing services that are appropriate for the customer

Our company proposes necessary insurance and coverage based on the customer's age, family structure, living situation, future plans, etc.

Even after the contract is signed, we provide ongoing support, including assistance with insurance claims, various change procedures, and renewal/maturity notices.

【Initiatives】

1. We provide follow-up support to customers who are behind on their insurance payments.

2. The information will be recorded and stored in the customer management system.

[Principle 7] Appropriate motivation and education for employees

To ensure customer-centric business operations, our company continuously provides education and training to our employees.

Furthermore, we will establish an internal system that recognizes and rewards sincere and honest customer service.

【Initiatives】

1. Compliance training and product training will be conducted according to the annual schedule.

2. We hold monthly meetings based on customer feedback to improve our operations.

Key Performance Indicators (KPIs) for evaluating business operations

To implement the above policy, we will set the following KPIs.

• Information shared through our website and social media: at least 30 times per year. • Internal training on products and systems: at least once a month. • Customer needs and proposal records completed: 100%. • Agency self-inspections: at least twice a year. • Questionnaires collected after accidents or procedures: at least 15 per year. • Internal meetings based on customer feedback: at least 10 per year.

We will review the achievement status of these KPIs at least once a year and revise them as necessary.