ANNUAL REPORT 2025 - Key Points and Corporate Strategy

Oct 12, 2026

Annual Report 2025 for Sumitomo Life presents the company’s vision for 2030 and explains the initiatives that support well-being beyond conventional insurance. It outlines strategies for creating corporate value, including four key initiatives, two value-creation engines, and governance as a foundation. The report also covers sustainability priorities, human capital management, financial and non-financial highlights, and compliance, risk management, and disclosure, with translation and edition details for the reviewed period.

LanguageEnglish

CategoryGeneral

FormatPDF

Pages178

Reading Time1 h 2 min

AccessFree to download

Key Points of Annual Report 2025

Corporate Purpose, Message from the President, and Operating Policy

Value Creation History and Process

Group Vision 2030

Special Feature: Stakeholders’ Well-being Initiatives

Sustainability and Human Capital Management

Financial and Capital Policies

Financial Section (Editorial Policy)

Corporate Governance and Risk Management

Financial Highlights and Disclosure

ANNUAL REPORT 2025 To live each and every day in peace. This is what you want. To live in good health and spirits when the day comes around together with family you love and friends you trust. This is simply what you want. Life happens, however. Sometimes it is rainy and sometimes it is windy. We believe that, when life happens, the only thing that can support you is, after all, a human like you. We believe that it is a human that is able to see your heart and tell what you think, what you want and what you want to be. And we believe that this ability is the most important thing for our job, and cultivating it is the only way to enhance the quality of our job. Your sense of security can be enhanced even more . We, Sumitomo Life, wish more than anything to empower your future. C ONTENT S Key Points of Annual Report 2025 ~~ ~~ Sumitomo Life has set its vision for 2030 as an “indispensable insurance group” that contributes to well-being.“REPORT SUMISEI 2025”explains the significance of our initiatives to contribute to well-being that go beyond the conventional insurance domain, our strategies for creating value, and examples of specific initiatives. This report was prepared with the aim of deepening readers’ understanding of the Company’s management. It touches on four initiatives and two engines for improving corporate value being carried out as part of the Sumitomo Life Medium-Term Business Plan 2025, as well as governance as a foundation of value creation. | 01 | Sumitomo Life Value Creation P.2 | | --- | --- | Corporate Purpose “Contribute to the Advancement of Social and Public Welfare” ……………………………………………… P.2 Message from the President ………………………………………………… P.4 Sumitomo Life Operating Policy ……………………………………… P.10 Value Creation History ………………………………………………………… P.12 Sumitomo Life Value Creation Process ………………………… P. 14 Sumitomo Life Group Vision 2030 ………………………………… P.16 Special Feature Key initiatives for contributing to our stakeholders’ well-being ………………………………… P.18 Achieving a balance of social value and economic value (Message from the Deputy President)…………………… P.20 Sustainability Key Items of Sustainability and Sustainability Promotion System …………………………………………………………… P.24 Climate Change and Biodiversity Initiatives … P.26 Responsible Investment Initiatives…………………… P.32 Initiatives for Future Generations (Future Generations Relations)………………………… P.34 Human Rights Initiatives……………………………………… P.35 Human Capital Management (Human Capital Development Initiatives)…… P.35 Financial and Capital Policies …………………………………………… P.36 Financial and Non-financial Highlights ………………………… P.38 | 02 | Sumitomo Life Management Strategies P.40 | | --- | --- | Review of Past Business Plans …………………………………………… P.40 Roadmap to 2030 ………………………………………………………………… P.42 Sumitomo Life Medium-Term Business Plan 2025…… P.44 [Four Initiatives] Advancing to Well-being Design ……………………………… P.46 SUMITOMO LIFE Vitalit………………………………………… P.47 Sales Representatives (life designers)…………… P.50 Wholesale ………………………………………………………………… P.52 Bancassurance Banks, Financial Institutions, etc. and Insurance Outlets ………………………………… P.53 Realizing Innovation in New Domains …………………… P.56 Well-being as a Service (WaaS) initiatives …… P.57 Earnings Structure Reform Group Strategies …… P.60 Asset Management ……………………………………………… P.61 Overseas Operations …………………………………………… P.63 Group Strategies …………………………………………………… P.67 [Two Engines] Human Capital Development and Human Capital … P.68 Digital & Data …………………………………………………………………… P.76 | 03 | Base to Support Value Creation P.78 | | --- | --- | Message from an Outside Director ………………………………… P.78 Corporate Governance………………………………………………………… P.80 Efforts toward Compliance………………………………………………… P.95 Risk Management System…………………………………………………… P.97 11-year Key Financial Data ……………………………………………… P.101 Disclosure…………………………………………………………………………………

FAQs

What is the 2030 vision stated in the Annual Report 2025?

Sumitomo Life sets its vision for 2030 as an “indispensable insurance group” that contributes to well-being.

Which main parts explain how corporate value is created?

The report covers four initiatives and two engines for improving corporate value, together with governance as a foundation of value creation.

What sustainability topics are highlighted in the report?

It includes key items of sustainability and the sustainability promotion system, climate change and biodiversity initiatives, responsible investment initiatives, future generations relations, and human rights initiatives.

Oct 12, 2026

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