Advance Create

Basic Information

Stock Code
8798
Industry
Insurance
Category Detail
Insurance
Prefecture
Osaka Prefecture
Establishment Year
October 1995
Listing Year
April 2002
Official Website
https://www.advancecreate.co.jp/
TSE Information
TSE Information
Yahoo! Finance
Yahoo! Finance
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Overview

Advance Create is an insurance agency specialist company established in 1995 and based in Osaka, with strengths in hybrid sales combining mail-order and face-to-face sales.

Current Situation

Advance Create recorded consolidated sales of approximately 7.8 billion yen for the fiscal year ending September 2024, but operating profit was a loss of about 700 million yen, with ordinary profit and net profit also in the red. The main business is insurance agency operations, deploying mail-order channels and small face-to-face stores to serve a wide customer base. The group includes subsidiaries such as Insurance Market, and is focusing on new service expansions like online specialist sales bases. It is listed on the Tokyo Stock Exchange Prime Market and also participates in the Fukuoka and Sapporo Stock Exchanges. As an agent for various life and non-life insurance companies, it handles a diverse range of products, and in recent years has been working on expanding customer touchpoints using IT. Financially, improving the balance of assets and liabilities is a challenge, and achieving profitability through efficient operations is the focus going forward. In the intensely competitive insurance industry, it aims for differentiation and sustainable growth through strategies such as DX promotion and new product development. In the future, it seeks to enhance corporate value through strengthening revenue base and improving customer experience.

Trivia

Interesting Facts

  • Relatively young insurance agency company established in 1995.
  • Rare agency system strong in both mail-order and face-to-face sales.
  • Operates subsidiary Insurance Market, focusing on online sales.
  • Paid-in capital of 2.9 billion yen, mid-tier in the insurance agency industry.
  • Rare listed company listed on multiple stock exchanges nationwide.
  • Handles a wide range of products from multiple life and casualty insurance companies.
  • Head office in Chuo-ku, Osaka, with regional-focused management.
  • Group also holds subsidiary engaged in reinsurance business.
  • Consolidated sales of approximately 7.8 billion yen, mid-sized market player.
  • Recent settlements show operating and net profit losses, with profitability improvement as a challenge.
  • Advancing sales efficiency through IT system renewal.
  • Sales strategy complementing weaknesses of small physical stores and online systems.
  • Responds to customer needs with diverse insurance product lineup.
  • Comprehensive corporate welfare insurance is one strength in the corporate market.
  • Operates call center focused on customer support.

Hidden Connections

  • Group company Insurance Market serves as the core base for online mail-order sales.
  • Strengthens risk management capabilities through subsidiary's reinsurance business.
  • High ownership ratio by management among major shareholders contributes to management stability.
  • Enriched product lineup through partnerships with multiple major casualty insurers.
  • Rare company listed on Tokyo, Fukuoka, and Sapporo Stock Exchanges.
  • Differentiates by coexisting online and offline sales channels.
  • Nationwide expansion in sight despite Osaka headquarters.
  • Promoting data-driven management in sales division through IT system renewal.

Future Outlook

Growth Drivers

  • Strengthening integration of online sales and face-to-face stores
  • Improving sales efficiency through IT utilization
  • Market expansion in corporate welfare insurance
  • Promotion of digital transformation
  • Providing diverse insurance products adapted to customer needs
  • Enhancing planning and development capabilities for new services and products
  • Strengthening customer base through regional-focused services
  • Enhancing risk management through reinsurance business
  • Further expansion of Insurance Market platform
  • Optimizing marketing through customer data analysis
  • Strengthening sustainability activities
  • Improving human resources through enhanced employee education and training

Strategic Goals

  • Balancing sales ratio between mail-order and face-to-face channels
  • 30% business efficiency improvement through IT system integration
  • Doubling sales in corporate insurance business
  • Expanding online customer base fivefold
  • Sustainable management incorporating environmental and social considerations
  • Establishing and achieving profitability in new business areas
  • Improving customer satisfaction across the group
  • Systematizing and expanding community contribution activities
  • Expanding market share and strengthening competitiveness
  • Establishing an attractive corporate constitution for investors and customers

Business Segments

Agency Support Services

Overview
Provides various support services to streamline agency sales.
Competitiveness
Industry-specialized expert support and IT utilization
Customers
  • Insurance Agencies
  • Sales Staff
  • Consultants
Products
  • Sales Support System
  • Customer Management Tool
  • Sales Promotion Materials

Corporate Welfare Insurance

Overview
Provides welfare insurance for corporate employees.
Competitiveness
Customizable product design
Customers
  • Small and Medium Enterprises
  • Large Corporations
  • Group Business Owners
Products
  • Group Life Insurance
  • Group Casualty Insurance
  • Pension-Related Products

Online Sales Platform

Overview
Operates an insurance sales platform centered on online mail-order.
Competitiveness
User-friendly UI and diverse product lineup
Customers
  • Individual Customers
  • Small and Medium Enterprises
  • Insurance Intermediaries
Products
  • Insurance Market Website
  • Smart Consulting Plaza

Risk Management Consulting

Overview
Provides risk analysis and insurance proposal services for corporate customers.
Competitiveness
Extensive industry knowledge and practical expertise
Customers
  • Corporations
  • Local Governments
  • Medical Institutions
Products
  • Risk Assessment Services
  • Insurance Design Advice
  • Accident Response Support

Insurance Product Planning and Development Support

Overview
Conducts product planning and sales strategy support for insurance companies.
Competitiveness
Planning capabilities aligned with market trends
Customers
  • Life and Non-Life Insurance Companies
  • Insurance Intermediaries
Products
  • New Product Planning Consulting
  • Market Research
  • Sales Strategy Development

IT System Development and Operation

Overview
Develops and supports IT systems for the insurance industry.
Competitiveness
Industry-specialized system development experience
Customers
  • Insurance Agencies
  • Insurance Companies
Products
  • Sales Support System
  • Customer Management System
  • Data Analysis Tools

Education and Training Services

Overview
Provides education and training to strengthen insurance sales capabilities.
Competitiveness
Instructors with extensive practical experience
Customers
  • Sales Employees
  • Agency Staff
  • Managers
Products
  • Sales Skills Training
  • Product Knowledge Education
  • Management Training

Customer Support and Call Center

Overview
Deploys customer response call center services.
Competitiveness
Prompt and courteous support system
Customers
  • Individual Customers
  • Corporate Customers
Products
  • Contract Information Guidance
  • Accident Reception Services
  • Product Consultation Support

Reinsurance-Related Business

Overview
Supports risk diversification through reinsurance services.
Competitiveness
Extensive reinsurance network
Customers
  • Life and Non-Life Insurance Companies
  • Insurance Brokers
Products
  • Reinsurance Contract Intermediation
  • Risk Analysis
  • Contract Management

Marketing Support Services

Overview
Marketing services supporting sales promotion and customer acquisition.
Competitiveness
Planning capabilities leveraging industry knowledge
Customers
  • Insurance Agencies
  • Insurance Companies
Products
  • Promotion Planning
  • Customer Analysis
  • Market Research Reports

Health Check and Health Support Business

Overview
Provides services supporting health maintenance and insurance risk reduction.
Competitiveness
Integrated support utilizing insurance knowledge
Customers
  • Corporations
  • Individuals
Products
  • Health Check Services
  • Lifestyle Improvement Programs
  • Insurance-Linked Health Services

Legal and Compliance Support

Overview
Specialized support services for insurance business regulations.
Competitiveness
Extensive practical experience and legal knowledge
Customers
  • Insurance Agencies
  • Insurance Companies
Products
  • Regulatory Compliance Consulting
  • Internal Audit Support
  • Risk Management Programs

Competitive Advantage

Strengths

  • Hybrid sales system combining mail-order and face-to-face
  • Industry-specialized expertise and experienced sales team
  • Efficient sales support system utilizing IT
  • Diverse insurance product lineup within the group
  • Establishment of online specialist sales bases
  • Partnerships with a wide range of casualty and life insurance brands
  • Regional customer base centered on Osaka
  • Trust and transparency as a listed company
  • Marketing leveraging extensive customer data
  • Specialized training system for sales staff
  • Utilization of Insurance Market platform
  • Risk diversification system including reinsurance business
  • Comprehensive corporate services
  • Sophisticated customer relationship management (CRM) strategy
  • Strict accounting management by audit firms

Competitive Advantages

  • Unique sales channels combining mail-order and face-to-face sales
  • Online sales strength through collaboration with subsidiaries like Insurance Market
  • System capable of providing specialized risk consulting
  • Strong partnerships with diverse life and casualty insurance brands
  • Advanced sales efficiency and customer management via IT systems
  • Discipline and financial transparency as a listed company
  • High proposal capabilities for corporate welfare insurance
  • Capable of risk diversification through reinsurance-related operations
  • Fine-tuned response with small stores in regional-focused sales expansion
  • Well-developed education and training for sales staff, high skill levels
  • Able to propose diverse insurance products tailored to customer needs
  • Secures customer touchpoints both online and offline
  • Differentiation from competitors via agency support services
  • Comprehensive proposal capabilities including risk management for corporate customers
  • Rapid response to market trends leveraging partnerships

Threats

  • Intensifying price competition due to increasing competitor insurance agencies
  • Risk of lost sales opportunities from delays in digitalization
  • Complication of business operations due to strengthened regulations
  • Decline in profit margins from insurance premium reduction pressures
  • Decrease in policyholders due to deteriorating economic environment
  • Risk of business suspension from IT system failures
  • Market share capture by new entrants
  • Intensifying competition in online sales channels
  • Increased damage compensation risks from rising natural disasters
  • Security risks such as customer data leaks
  • Market size contraction due to population decline
  • Delays in responding to diversifying customer insurance needs

Innovations

2021: Opening of Online Specialist Sales Base

Overview
Opened Insurance Market Smart Consulting Plaza to strengthen online sales.
Impact
Expanded customer touchpoints and increased digital channel usage rate.

2023: Renewal of Sales Support IT System

Overview
Introduced latest CRM and business efficiency tools to enhance sales capabilities.
Impact
25% improvement in sales efficiency, contributing to better customer satisfaction.

2022: Start of Handling New Insurance Products

Overview
Expanded lineup by handling new products from FWD Life and other life insurers.
Impact
Strengthened market competitiveness and expanded response to customer needs.

2020: Launch of Risk Management Consulting Business

Overview
Launched risk assessment and insurance design services for corporate customers.
Impact
Expanded corporate customer base and diversified revenue sources.

2024: Introduction of Multi-Channel Sales Integration Platform

Overview
Developed sales management system integrating mail-order, face-to-face, and online.
Impact
Contributes to overall customer management efficiency and sales growth.

Sustainability

  • Promoting paperless operations to reduce environmental impact
  • Aiming to reduce CO2 emissions through business efficiency
  • Insurance education and life support activities for local communities
  • Active utilization of diverse employment forms and diversity promotion
  • Strengthening information security to protect customer data