Regarding fractional gures■ Fractions in both yen and U.S. dollar amounts and the number of policies have been rounded down.■ Fractions in component ratios and year-on-year comparisons have been rounded off.Unique Insurance Services for the Agricultural and Rural Community in JapanZenkyoren (National Mutual Insurance Federation of Agricultural Cooperatives) was founded in 1951 to insure members of the farming community as a cooperative insurance organization under the motto “One for all, all for one.” The 10-million member strong JA (Japan Agricultural Cooperatives) Group, to which Zenkyoren belongs, comprises primary societies (local-level agricultural cooperatives, called “JAs”) and supporting organizations at the prefectural and national levels. The JA Group conducts a variety of businesses and provides a wide range of services through JAs. Zenkyoren is tasked with providing insurance coverage for JA members and policyholders against accidental loss of life and property damage, and assisting them with worry-free coverage throughout their lives. The core goal of Zenkyoren is to help secure members’ livelihoods through farming and elevate their standard of living. We meet this goal by identifying the needs of people in agriculture and their communities, then offering unique life and non-life insurance. Zenkyoren continues to strengthen cooperative relationships with local JAs to provide members and policyholders with improved services and a greater sense of security.


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