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MS&AD Insurance Group

MS&ADインシュアランスグループ

81Score

★★★☆☆3.7

Customer satisfaction · 15.0M members

S&P: A+ Range(2025)Oricon: Mid-Tier(2025)

MS&AD Insurance Group is a major Japanese insurer with Mitsui Sumitomo and Aioi Nissay Dowa as core subsidiaries. Revenue of JPY 5,132 billion (FY2022) and a notable 8.88% ownership stake by Toyota. Life insurance is offered through Mitsui Sumitomo Aioi Life and MSI Primary Life.

Overall Score

81/100

Founded

2008

Headquarters

Chuo-ku, Tokyo

Type

private

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Key Metrics

Revenue

JPY 5,132 billion (FY2022)

Net Income

JPY 262.7 billion (FY2022)

Toyota Stake

8.88% ownership

Index

Nikkei 225 / TOPIX 100 component

Editorial Ratings

S&P: A+ Range(2025)

Rating: S&P A+ range (max: AAA)

90R&I

Oricon: Mid-Tier(2025)

Rating: Mid-tier in domestic surveys (max: 1st Place)

72Oricon

Coverage Highlights

✓Life insurance via Mitsui Sumitomo Aioi Life and MSI Primary Life
✓Backed by Mitsui/Sumitomo keiretsu relationships
✓Toyota holds 8.88% ownership stake
✓Comprehensive P&C and life product suite
✓Nikkei 225 and TOPIX 100 component

Pros

✓Backed by major keiretsu (Mitsui/Sumitomo) relationships
✓Toyota affiliation provides stability
✓Comprehensive P&C and life product suite
✓Strong financial metrics

Cons

✗Complex group structure with multiple subsidiaries
✗Health insurance is secondary to P&C business
✗Brand fragmentation across subsidiaries

Frequently Asked Questions

What companies are part of MS&AD Insurance Group?

MS&AD's core subsidiaries include Mitsui Sumitomo Insurance and Aioi Nissay Dowa Insurance for P&C, and Mitsui Sumitomo Aioi Life and MSI Primary Life for life and health insurance.

Does Toyota own part of MS&AD?

Yes. Toyota holds an 8.88% ownership stake in MS&AD Insurance Group, reflecting the close keiretsu relationship between the companies.

Does MS&AD offer health insurance?

Yes. MS&AD offers life and medical insurance through Mitsui Sumitomo Aioi Life Insurance and MSI Primary Life Insurance, covering hospitalization, medical expenses, and health benefits.

Quick Summary

InsurerMS&AD Insurance Group

Country🇯🇵 Japan

Overall Score81/100

Satisfaction3.7/5

Members15.0M

Typeprivate

Founded2008

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