THE RECORD, IN PRACTICE
- Income protection
- Children's education
- Mortgage coverage
- Second child expected
- Fits need for guaranteed long-term protection
- Supports education funding
- Term life: lower premium, declined
- Whole life: selected
- ULIP: out of scope
- Selected whole life option
- Confirmed understanding of alternatives
- Reviewed for high-risk flags
- None found, no manager review required
- Needs confirmed
- Disclosures completed
- Alternatives discussed
- Understanding confirmed
BEYOND COMPLIANCE
Surface needs, priorities, and goals before recommending anything.
Link what matters to the customer with what you recommend.
Hoken Budd-E creates the record. Advisors stay focused on the customer, not paperwork.
Know what top performers do differently. Scale it.
Spot patterns across advisors, branches, and teams.
Build it into how the whole team operates.
FROM RECORD TO OUTPUT
Customer needs, life events, and household situation.
What the customer wanted, and why.
Key points, decisions made, and open items.
Follow-up timing, owner, next steps, and product considerations.
Structured customer data reflected with zero manual entry.
What's working across the team, and what to improve.
WHY NOW
Japan's strengthened insurance distribution requirements entered force
Regulatory action across Japan has raised the bar for suitability, disclosure, and supervision. The conversation has always mattered. Now it has to be on the record.
Sales quality and compliance are now the same problem.
The FSA has moved from policy guidance to active supervision.
Suspensions, investigations, and improvement orders. The audit trail is now a board-level concern.