AXA life insurance in Japan, explained in your language
Musubi Insurance is an exclusive agency of AXA Life Insurance Co., Ltd. We help you choose and apply for the right AXA plan, and we stay with you for changes, renewals and claims, in English, Japanese or Tagalog.
English · 日本語 · Tagalog · Online
Registered agency
Licensed insurance agency in Japan
AXA Life products
A global insurance group
Free consultation
No fee to you, no obligation to sign
Trilingual support
From first meeting through claims
An agency, not a consultancy
La Cuna offers two separate insurance services. Musubi Insurance is the agency: we arrange AXA Life policies and look after them with you. If you need independent advice on coverage you already hold with other companies, that is our separate Insurance Consulting service.
Musubi Insurance (this page)
- Exclusive agency of AXA Life Insurance Co., Ltd.
- We explain, recommend and help you apply for AXA plans
- Ongoing support for changes, renewals and claims
- Free to you: we are paid commission by AXA Life
La Cuna Insurance Consulting
- Independent review of your existing policies
- Gap analysis and risk assessment
- For corporate clients
AXA Life coverage for you, your family and your business
Japan’s public insurance covers a lot, but not everything. Each service below starts with what you already have through National Health Insurance, employee health insurance and the public pension, then looks at what’s missing. Product details, eligibility and premiums are set by AXA Life and explained in full before you apply.
For individuals & families
Life Insurance & Income Protection
If something happened to you, would your family be able to stay in Japan, keep up the rent or basic living expenses and keep the children in school? Japan’s survivors’ pension may be smaller than people expect, especially if you haven’t been paying into the system for long. Life insurance fills that gap with a lump sum or a monthly income for your family.
Income protection goes further. It pays a monthly benefit if illness or injury keeps you from working. This matters most for the self-employed and freelancers, because National Health Insurance doesn’t include the sickness allowance (傷病手当金) that company employees receive.
- Needs calculation: we look at your income, housing, children's education and existing public benefits to work out how much cover you actually need
- Lump sum or monthly income: choose the structure that suits your family's budget
- Families across borders: we explain how beneficiaries work when family members live in the Philippines or elsewhere
Good for: parents, main earners, mortgage holders, self-employed and freelancers.
Medical & Cancer Insurance
Japan’s public health insurance covers most treatment at 70%, and the high-cost medical expense system (高額療養費制度) limits what you pay each month. That’s a strong base, but some costs still fall on you: private or semi-private room charges, meals during a hospital stay, advanced treatments (先進医療) that aren’t covered by public insurance, and the income you lose while you recover.
Private medical and cancer insurance pays cash benefits for these situations, so you can focus on getting better instead of the bills. We explain clearly what public insurance already covers, so you don’t pay for protection you don’t need.
- Hospital and surgery benefits: daily or lump-sum payments when you're admitted or have an operation
- Cancer and serious illness: diagnosis benefits and support during long-term treatment
- Advanced treatment cover: help with the high cost of treatments outside public insurance
- Health conditions: we explain the health questions honestly and look at what options may be available if you have a pre-existing condition
Good for: anyone living in Japan long term, families with young children, people far from family support.
Savings & Retirement Planning
Some life insurance plans combine protection with long-term saving. You pay premiums over the years while building value you can use for retirement, your children’s education or a future move. Variable insurance (変額保険) invests part of your premium in funds, and foreign-currency insurance (外貨建保険) is denominated in currencies such as the US dollar.
These plans can be useful, but they are long-term commitments with real risks. Their value can go down with markets or exchange rates, and cancelling early can return less than you paid in. We’ll explain how each plan works, what it costs and what could go wrong, and help you decide whether it fits your goals at all.
- Goal-based planning: retirement, education funds or savings for life after Japan
- Clear risk explanation: market, currency and early-cancellation risk explained in your language before you decide
- Tax basics: an overview of life insurance premium deductions (生命保険料控除); for your own situation.
- Long-term review: regular check-ins as your income, family or plans change
Good for: long-term residents planning for retirement, parents saving for education.
Ongoing Policy Support & Claims
Our work doesn’t stop once your AXA Life policy starts. Insurance letters, renewal notices and claim forms all arrive in Japanese, and life changes like marriage, a new baby, a new job or a move all affect what you need.
As your agency, we stay your point of contact for the life of the policy. We explain every document, help you update your details, and walk you through a claim from start to finish.
- Claims help: we explain what's covered, help prepare documents and communicate with AXA Life for you
- Policy changes: address, beneficiary, payment method and coverage updates
- Annual review: a yearly check that your cover still matches your life
- Leaving Japan: we explain your options for keeping or ending your policy before you move
Good for: every Musubi client, included at no extra cost.
For business owners & companies
Key Person & Business Protection
In many small and mid-sized companies, the business depends on one or two people. If the owner or a key director passed away or couldn’t work, the company could lose sales, struggle to repay bank loans, and find it hard to keep paying staff.
Business protection insurance (事業保障) is owned by the company and pays out to the company. That money can cover loan repayments, keep operations running while you find a successor, or settle obligations to business partners.
- Risk check: we look at your loans, fixed costs and how much the business relies on each key person
- Loan and guarantee protection: funds to repay borrowings if the owner, who is often the personal guarantor, passes away
- Succession support: funding to help hand the business over smoothly
- Bilingual explanations: for foreign owners, partners and overseas head offices
Good for: owner-managed companies, businesses with bank loans, foreign-owned SMEs.
Executive Retirement Benefit Planning
Many Japanese companies pay a retirement benefit to directors when they step down (役員退職慰労金). Paying a large amount in one year can put pressure on cash flow, so companies often use corporate life insurance to build the funds over time.
We help you plan how much to prepare and when, so the payout fits your company’s finances and your own retirement plans. Corporate insurance tax treatment depends on the product and your circumstances.
- Retirement funding plan: timing and amount matched to your expected retirement
- Cash flow fit: premiums set around your company's budget
- Built-in protection: life cover for the executive while the fund grows
- Tax advisor coordination: we share the details your accountant needs
Good for: company directors and owners planning their own retirement.
Employee Welfare & Benefits
Good benefits help you hire and keep people, and they matter even more for international teams who don’t know the Japanese system. Company-arranged life and medical coverage shows staff that you’ll look after them and their families.
We help you design a benefits plan that fits your budget and your rules, and we explain it to employees in English, Japanese or Tagalog so they understand what they have.
- Staff life and medical coverage: protection for employees and their families
- Condolence and retirement payments: funding for the payments set out in your company rules
- Multilingual staff briefings: sessions in English, Japanese or Tagalog
- Ongoing administration help: support when staff join, leave or need to claim
Good for: companies with foreign staff, growing SMEs competing for talent.
Not sure where to start?
Most people don’t know what they need, and that’s fine. In a free first consultation we look at your family, work and what public insurance already covers, then tell you honestly whether extra coverage makes sense. There’s no pressure to apply.
Built for people and companies new to Japan's system
Whether you arrived last month or have lived here for years, we make Japanese life insurance understandable.
Expats & international families
Life and medical coverage that fits your time in Japan, with everything explained in English, Japanese or Tagalog
Filipino community in Japan
Full consultations in Tagalog, so nothing gets lost in translation.
Foreign business owners
Executive, key person and retirement planning for your company.
Japanese clients
Straightforward, careful service in Japanese.
Four simple steps
Online or in person at our Ginza office.
Free consultation
We learn about your family, work, business and budget. Identity your risks and help you understand what best fit to your goal.
Needs check
We work out how much coverage you need based on your current situation, family and financial situation.
Premium Policy Design
We present suitable plans and explain every term in your language.
Apply & stay supported
We help with the application, then support you with changes, renewals and claims.
Common questions
Yes. As an insurance agency ,You pay nothing for our advice, and there is no obligation to apply.
No. Musubi Insurance is an exclusive agency of AXA Life Insurance Co., Ltd. and handles AXA Life products only. If you’d like independent advice on policies from other insurers, see La Cuna’s Insurance Consulting service.
Yes. All resident, working visa and business manager visa regardless of the length of stay can apply.
The acceptance will depend on the applicant current health declarations and selected premiums.We check these with you first.
It depends on the plan. We’ll go through your options before you move.
Yes. We help you understand what’s covered, prepare documents and communicate.
Yes. Online from anywhere in Japan
Are you and your family properly protected in Japan?
Book a free, no-obligation consultation in English, Japanese or Tagalog.
Agency Information
保険代理店に関する表示
| Agency name 代理店名 | MUSUBI INSURANCE (operated by LLC La Cuna) 合同会社La Cuna（MUSUBI INSURANCE） |
|---|---|
| Registration 登録番号 | [REGISTRATION NO. / 登録番号] 00EBTKE005387 |
| Address 所在地 | 2F, 1-22-11 Ginza, Chuo-ku, Tokyo 東京都中央区銀座1-22-11 2F |
| Insurer 所属保険会社 | AXA Life Insurance Co., Ltd.（アクサ生命保険株式会社） We are an exclusive agency and handle this insurer’s products only. 当社はアクサ生命保険株式会社の専属代理店です。 |
| Agency authority 代理店の権限 | We act as an intermediary (媒介) for life insurance contracts and do not have authority to conclude contracts. A contract is formed when AXA Life accepts your application. 当社は保険契約の締結の媒介を行う代理店であり、保険契約締結の代理権はありません。保険契約はアクサ生命保険株式会社が承諾したときに成立します。 |
| Contact お問い合わせ | info@lacuna-jp.com · Mon–Fri 10:00–18:00 |
This page provides general information and does not describe the terms of any specific insurance product. Before applying, please read the product brochure, Important Matters (重要事項説明書：契約概要・注意喚起情報) and policy terms (ご契約のしおり・約款). Variable and foreign-currency products carry investment and exchange-rate risk and may lose principal. Eligibility and premiums are determined by AXA Life Insurance Co., Ltd.