<figure id="attachment_468264" aria-describedby="caption-attachment-468264" style="width: 1749px" class="wp-caption alignnone"><a href="#" data-ident_hash="49dca33c"><img src="https://res.cloudinary.com/fridaydigital/image/private/t_article_image/wpmedia/2026/05/598861c2a1aa59025282c50177c8035a.jpg" alt=""></a><figcaption id="caption-attachment-468264" class="wp-caption-text">Chinese sales employees are increasing at major Japanese life insurance companies (Photo: Image)</figcaption></figure>
<p> The number of Chinese salespeople is increasing at major Japanese life insurance companies. Following Part I, which revealed that Chinese salespeople account for 70% of the workforce at some sales offices, Part II will introduce the advantages and disadvantages of the increase in Chinese salespeople.</p>
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<p><a href="https://friday.kodansha.co.jp/article/468256"> Part I: Some sales offices are seeing a rapid increase in the number of Chinese salespeople, who now account for 70% of the workforce! Chinese sales staff in life insurance companies</a></p>
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<p> How do life insurance companies view the dramatic increase in the number of Chinese employees? A Japanese employee at one sales office commented <span class="strongInContent">, &#8220;Chinese employees are generally aggressive and hardworking</span>. Although some Japanese employees do not, many Chinese are energetic, and this <span class="strongInContent">has a &#8220;positive impact&#8221; on</span> the entire sales office, he said.</p>
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<p> A Japanese who works for another life insurance company also shared the following story as one of the &#8220;good things about the increase in the number of Chinese employees.</p>
<p><span class="strongInContent"> The director of the office was happy to hear that his salary has gone up because Chinese people are actively working and getting contracts. There are some Japanese who do not like the fact that there are too many Chinese in the sales office, but I think the industry as a whole sees it as a good thing to have more Chinese employees with sales ability.</span></p>
<h2> Insurance products are being discontinued.</h2>
<p> But it is not only on the positive side. A Japanese employee in an in-house position is concerned about their &#8220;awareness of compliance. The number of cases of misuse of the lump-sum hospitalization payment is now slowly increasing, and it is becoming an internal problem. Most Chinese work diligently with a positive attitude as mentioned above. On the other hand, some of them are experiencing the following problems.</p>
<p><span class="strongInContent"> In the past few years, there have been a string of cases where a customer (life insurance policyholder) has submitted a hospital certificate saying, &#8216;I have returned to China for a long vacation and have been hospitalized,&#8217; and has demanded payment of the insurance claim. This has even led to the suspension of the sale of one insurance product&#8221; (Japanese national mentioned above).</span></p>
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<p> According to the Asahi Shimbun (March 29, 2026), the number of cases of people claiming lump-sum hospitalization payments under their medical insurance policies for being hospitalized in China has increased rapidly at several life insurance companies. The name of the illness is often gastroenteritis, and the life insurers believe that many of the hospitalizations are &#8220;unnecessary&#8221; for the purpose of lump-sum payments.</p>
<p> Lump-sum hospitalization benefits are paid in a lump sum when a person is hospitalized for illness or injury, regardless of the number of days of hospitalization. Depending on the life insurance company, the amount paid ranges from 50,000 yen to 300,000 yen. According to the same report, one life insurance company reported that the number of cases in China in FY2022 was about 650, but in FY2024, the number was about 13,000, a 20-fold increase in two years. The hospitalizations were concentrated at several specific medical institutions, and the majority of the cases were for gastroenteritis, which is said to be basically treated at home in many cases.</p>
<p> Unnecessary hospitalization for the purpose of lump-sum payments is believed to be increasing, and several life insurance companies have begun tightening their screening procedures, while the Financial Services Agency is also working to understand the actual situation.</p>
<p> Chinese life insurance salespeople, while making a significant contribution to the company, also pose a risk of trouble. The response of Japanese life insurance companies is being questioned.</p>
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<div data-friday-book-link-url="https://amzn.to/4dUF75q" data-friday-book-link-title="中国人は日本で何をしているのか (日経プレミアシリーズ)" data-friday-book-link-author="中島恵（なかじま・けい）" data-friday-book-link-publisher="日経BP 日本経済新聞出版" data-friday-book-link-description="日本にいる中国人は一体どんな仕事をしているのか？ 彼らの意外な稼ぎ方を、豊富な取材をもとに紹介する。 生命保険会社の優秀営業担当、大手企業のシステム開発請負といった「日本企業で働く在日中国人」から、料理店経営、医療通訳に起業家、コンビニ店経営やYouTuberまで――在日中国人の働き方も多様化してきている。 彼らはなぜ日本で働くのか、そして日本についてどう思っているのか。 いまや100万人規模となった、在日中国人の最新のビジネス事情を明かす。 【目次】 プロローグ 日本で働いていて、日本と日本人について思うこと 第１章 中国人が支える日本企業 第２章 日本で起業して社長になる 第３章 中国人の商才と商魂 第４章 危険ゾーンで働く人、まじめに働く人 第５章 在日中国人の相克 エピローグ 中国にアイドル文化を根づかせた人" data-friday-book-link-thumbnail="https://res.cloudinary.com/fridaydigital/image/private/t_book_cover/wpmedia/2026/05/cef5b542146b3c344d3b65372c675b37.jpg"></div>
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<figure id="attachment_468262" aria-describedby="caption-attachment-468262" style="width: 1701px" class="wp-caption alignnone"><a href="#" data-ident_hash="e6d41d49"><img src="https://res.cloudinary.com/fridaydigital/image/private/t_article_image/wpmedia/2026/05/3a5462ae926b5d1b6be9df7fb37687de.jpg" alt=""></a><figcaption id="caption-attachment-468262" class="wp-caption-text"> Megumi Nakajima&#8217;s recent book, &#8220;What Are Chinese Doing in Japan?</figcaption></figure>


 Megumi Nakajima (Journalist)

 AFRO

 The number of Chinese salespeople at major Japanese life insurance companies is rapidly increasing. Most of them are doing well and contributing to the sales of their companies. On the other hand, there is a downside. ...... This is the second part of a series of articles by journalist Megumi Nakajima on the realities of the Chinese living in Japan.

Aggressive and hardworking&#8221; while &#8220;abusing the lump-sum hospitalization payment&#8221;..! Chinese sales staffs of major life insurers: &#8220;A drastic increase in the number of Chinese sales staffs&#8221;.

Aggressive and hardworking” while “abusing the lump-sum hospitalization payment”..! Chinese sales staffs of major life insurers: “A drastic increase in the number of Chinese sales staffs”.

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