Financial Soundness

The solvency margin ratio is one of the indicators used by the supervising administrative agency to ascertain the extent to which an insurance company can meet payment obligations in the event risks exceed the normally anticipated level.
A solvency margin ratio exceeding 200% is one indication that an insurance company has met the standards for general financial stability.

Adjusted net assets are real net worth derived by subtracting non-capital adjusted liabilities from adjusted assets at fair market value. They serve as one of the indicators used by the supervising administrative agency to ascertain the financial soundness of insurance companies.

Unrealized gains and losses represent differences between the fair value of assets (securities, real estate, etc.) held and their book value. Unrealized gains act as a defense against the different types of risks to which Dai-ichi Life is exposed and leave more room for risk-taking in investments, making a substantial contribution to the increase in profitability.