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Family Baton (support for gift-tax exemption)
For those who consider asset succession, we offer "Family Baton," a service to support your asset transfer to your family, using an annual gift-tax exemption system. In addition to Japanese yen, this service is available in five foreign currencies (US dollars, Australian dollars, New Zealand dollars, British pounds, and Euros).
Smart Inheritance Account
We provide "Smart Inheritance Account," a pay on death (POD) account that allows you, upon your passing, to smoothly transfer the assets in your deposit and mutual fund accounts with us to family members designated in advance. Under the arrangement, you maintain full control over the account balances while you are alive.
This is the first product in Japan that meets the diversified asset succession needs of those who:
- do not want to bother their family with inheritance procedures
- think that writing a will is troublesome
- want to hold down the cost of inheritance
- still want to spend their money freely after taking care of inheritance arrangements
We have begun providing this service to financial institutions by utilizing our know-how in managing smart inheritance accounts. We obtained a patent for "Smart Inheritance Account" in April 2025.
| POINT 1Smooth inheritance - no need to prepare complicated documentation |
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| POINT 2Quick procedures enabled by electronic contracts |
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| POINT 3Deposit, withdrawal, and switching of assets possible even after the contract |
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Support for Dementia Supporter Training
To respond to changes in the social situation in Japan, we have been training internally "Dementia Supporters" who possess accurate knowledge and understanding of dementia, enabling them to help people with dementia in the community and their families to the best of their abilities. Currently more than 75% of our employees, over 1,400 people, are Dementia Supporters (as of March 2025).
We also provide training for employees to help them understand universal manners (universal etiquette) and the revised Act for Eliminating Discrimination against Persons with Disabilities.
A "Handbook for Dealing with Customers who need Special Support" has been distributed to employees and it is being used to facilitate smooth response to customers in accordance with their situations.
A Trust for Business Succession in Preparation for Dementia
With the advancement of the aging society, we have had more opportunities to hear our customers say about their need to set the course to pass their company shares to the next generation or to manage the risk of not being able to exercise their voting rights due to dementia, etc.
As a financial solution to address social issues expected in a 100-year-old life, we offer Living Trust for Dementia.
