Information for same sex couples
Possible things that Asmo small amount short-term insurance can do
|1||All life insurance products of our company can be applied on the internet.You can apply from anywhere you live, and there is no interview by insurance agents.|
|2||The insurance amount starts from 1 million yen."I do not need such a large amount of security but I want to leave even a little to my beloved partner in case of emergency."We can respond to such demands.|
|3||According to our term life insurance plan and term life insurance with hospitalization benefit plan, we will pay a severe disability insurance claim (death benefit equivalent amount) when you become the nursing care status 4 or 5, or equivalent to the occupational accident disability class 1 or 2. (Severe disability insurance claims will be paid to the insured person himself, not the death benefit recipient.)|
|4||Since it is a one－year renewable plan, we can prepare the necessary security reasonably. (Security can be continued up to age 90 years old by automatic renewal.)|
|5||All our staff members have taken the LGBT training provided by external lecturers. Please do not hesitate to consult us. Please note all the consultations and services will be provided in Japanese.|
You can apply easily from the smart phone or PC through the internet.
Persons who have certificates issued by local governments
Please send a copy of the partnership certificate for confirmation after applying on the internet.(We will inform you later.)
Persons who do not have certificates issued by local governments
Underwriting assessment will be carried out on condition that the insured (people covered by the guarantee) and the recipient are co-living based on marriage relationship and that there are no spouses of each other".
After applying online, we will send you a "Confirmation on Designation of Beneficiary of the Death Benefit." (We will inform you later.)
※If you apply through the internet and etc, such as the mail order, we will check with all of our applications by telephone for everyone.
Even if I designate the same-sex partner as a beneficiary of the death benefit, will he/she not be unable to receive it due to the claim from a relative of the insured?
Please be assured. The death benefit is a recipient-specific right as the recipient is specified based on the insurance contract. Nobody other than the payee has the right to receive it.
When I receive the certificate of the municipality (local government) and move to other municiality after insurance contract, what happens to the insurance contract ?
Please be assured. Even if you move to other municipality (local government), the effectiveness of the insurance contract will not change.
If a same-sex partner is a foreigner, can he/she be designated as a recipient?
Of course you can designate.However the payment can be made only in Japan. In addition, please understand that documents and explanations at the time of death benefit claim will be in Japanese.
I am a foreigner, but can I join the insurance plan and designate a same sex partner as a recipient?
Of course you can apply. It is also possible to designate a same-sex partner as a death beneficiary recipient. However the payment can be made only in Japan. Please note that documents and explanations at the time of death benefit claim will be in Japanese.
Who is the beneficiary of the hospitalization benefits (life insurance with hospitalization benefit)?
We pay the hospitalization benefit to the insured person himself / herself. However, if you are deceased before charging for hospital benefits after the hospitalization that hospitalization benefits are applied , the hospital benefit part will be paid to the insured's legal heir. (Provisions of the clause) The death benefit will be paid to the deceased beneficiary recipient.