justInCaseTechnologies Inc. (CEO: Kazy Hata, hereinafter "the Company") announces that Tokio Marine X SAST Insurance Co., Ltd. (President: Kohei Miyatani, hereinafter "Tokio Marine X") has launched a web-based comprehensive life and non-life insurance product "Comprehensive Life Support Insurance" using the Company's SaaS insurance system "joinsure".

"Comprehensive Life Support Insurance" was developed by Tokio Marine X, an insurance company focusing on white-label*1 products for business partners, with the aim to address both customer concerns and societal challenges, offering a diverse array of insurance products that can be swiftly adapted to meet individual customer needs.

This product is characterized by integrating life and non-life insurance coverage into a single policy, which can be tailored by combining multiple riders to meet diverse customer needs. This distinguishing characteristic enables customization of products and insurance premium payment methods, making it simple to embed within business partners' products and services.*2

Tokio Marine X specializes in swiftly developing insurance products and services tailored to customers' needs, based on a thorough understanding of their risks and challenges. The company has adopted "joinsure" as its core system due to its flexibility and superior UI/UX.

The Company will continue to pursue enhanced insurance product value and improved user convenience to bring premium insurance offerings to a wider audience, together with Tokio Marine X.

1 Refers to providing insurance products under business partners' own brands.
2 For product details, please refer to Tokio Marine X's news release.

Examples of Products Developed by Customizing “Comprehensive Life Support Insurance” include Car Loan Repayment Support Insurance and Heatstroke Insurance.
https://www.tokiomarine-x.co.jp/service/index.html

About SaaS Insurance System "joinsure"
"joinsure" is a cloud-based insurance business system developed by the Company based on the justInCase Group's knowledge. It consists of an insurance application system, policy management system, and insurance claim management system. It is widely used as a middleware in the scenarios of new company establishments, new product development, and collaboration with platformers. It supports not only small-amount short-term insurance business but also life and non-life insurance operations. In addition to significantly reducing initial costs compared to typical scratch development, it enables quick market entry of insurance products and promotion of various embedded insurance that matches customer needs in collaboration with platformers.

https://justincase-tech.com/joinsure

1. Providing SaaS Benefits By using this service, not only can our customers achieve significant reduction in initial costs compared to typical scratch development, but legal revisions are automatically updated, and functions added after system adoption can be used without additional costs. By utilizing "joinsure", which has functions implemented for a series of insurance operations, swift business launch is possible. Also, as system maintenance work is unnecessary, focus can be placed on product development and design.

2. Realizing Quick Launch of New Products Typically, it takes several months to over a year from obtaining permission for an insurance product to its sale. When joinsure is implemented as a core system, the development and implementation period for the design process can be significantly shortened as the system design takes insurance-specific status event management and data structures into consideration. It is designed to support over 60 types of insurance products, allowing for quick launch of complex products that satisfy customers' various needs.

3. Enabling Fully Web-Based Insurance Operations "joinsure" is a system that provides fully web-based insurance operational functions. Although online insurance sales have been available for quite some time, its market share remains small. As "joinsure" has a track record of improving conversion rates, the Company believes it can greatly contribute to promoting the digitalization of insurance operations.

About Tokio Marine X SAST Insurance Co., Ltd.
Company Name: Tokio Marine X SAST Insurance Co., Ltd.
Established: February 2022
Representative: Kohei Miyatani, President
Head Office: 5-3-16 Ginza, Chuo-ku, Tokyo
Business Description: Small amount and short-term insurance business
URL: https://www.tokiomarine-x.co.jp/

About justInCaseTechnologies
Company Name: justInCaseTechnologies Inc.
Established: 2019
Representative: Kazy Hata, CEO
Location: 1-8-1 Nihonbashi Kayabacho, Chuo-ku, Tokyo
Business Description: Provision of insurance and finance-related tech services
URL: https://justincase-tech.com/