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NN Life's New Variable Whole Life Insurance

NN Life Insurance Co., Ltd., a company devoted to supporting small and medium enterprises (SMEs) in Japan, has announced the launch of its latest insurance product, the 'Variable Whole Life' policy, effective May 7, 2026. This offering follows the successful introduction of the 'Variable Term' policy, launched earlier in 2025.

The 'Variable Whole Life' insurance aims to provide lifelong death coverage for business owners, ensuring security in the event of an unexpected demise. While the insurance amount and savings values fluctuate based on the performance of a specific investment account, the fundamental insurance value is guaranteed for a lifetime. This feature offers peace of mind, addressing long-term insurance needs critically for both shareholders and their families.

As market conditions have evolved recently due to changing stock prices, interest rate fluctuations, and rising inflation, NN Life's new policy is designed to meet current challenges. It combines essential elements such as lifelong death coverage with minimum guarantees, protection against inflation, and competitively priced premiums tailored for long-term security.

Key Features of Variable Whole Life

• - Lifetime Guaranteed Coverage: Regardless of the performance of the special account, the basic insurance amount is guaranteed for life. Coverage continues even after the premium payment period ends, providing enduring peace of mind throughout the long journey of life.

• - Affordable Premium Structure: Compared to conventional whole life insurance, NN Life's 'Variable Whole Life' offers lower premiums to secure necessary coverage, emphasizing affordability to ensure long-term protection without financial strain.

• - Inflation-Resistant Design: Clients can select from various investment opportunities including Japanese and foreign stocks, as well as bonds, offering a portfolio where the stock ratio can be adjusted from 0% to 100%. This ensures that even during inflationary periods, clients are better positioned to protect the value of their coverage.

Clients can utilize this insurance in multiple ways; corporate policies assist in planning for death benefits and business succession, while individual policies support estate planning and long-term protection needs. Thus, 'Variable Whole Life' caters to a broader client base, encompassing not just SMEs but also their owners and families.

The head of the product development department, Toshifumi Kinoshita, emphasizes the importance of providing comprehensive protection that extends beyond immediate needs. He states, "True security for business owners lies not only in safeguarding the present moment but also in ensuring the future for their companies and families. The 'Variable Whole Life' combines lifelong guarantees with a flexible investment structure to address the challenges of inflation. It’s crucial for navigating a long timeline focused on the well-being of our clients and their families."

NN Life remains committed to listening to the voices of business leaders, their families, and staff, ensuring that they remain a supportive partner for SMEs and their evolving needs in insurance.

For further details about 'Variable Whole Life' and its offerings, visit NN Life's website.