Finance / Insurance / Vivinavi Funabashi (Japan) Local Information

Vivinavi Los Angeles

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Have you thought about what happens after you sign a life insurance or annuity policy? ？

Do you still remember the purpose of the life insurance or annuity policies you purchased many years ago? ？

I imagine that when people purchase life insurance or annuities, they receive a detailed explanation of the product’s features and benefits and make the purchase after fully understanding them. However, now that 5, 10, or even more years have passed, have you ever considered why you needed that product in the first place, or whether they still suit your current circumstances? ？

In my conversations with many people over the years, I’ve often heard comments like, “The agent was very attentive when I signed the contract, but I’ve hardly heard from them since.”

When I ask about life insurance policies or annuities they purchased in the past, it’s not uncommon to find that their living circumstances and future goals have changed significantly since the time of purchase. For example, a life insurance policy taken out to protect the family when your children were young may no longer provide the same level of coverage now that your children have become independent and your mortgage is paid off.

Similarly, regarding annuities purchased to secure future income, if your retirement timeline or income situation changes, you may need to reevaluate how you originally planned to use them. Some people signed up for a product after being recommended it many years ago, but as time has passed, they’ve forgotten why they purchased it in the first place or what features it offers. There are also cases where, even though the coverage or features needed have changed since the time of purchase, people have continued with their current policy without knowing if it still fits their situation simply because they haven’t had the opportunity to review it.

Of course, there are times when holding onto a product for the long term is the right choice. I believe the key is to **understand whether your current situation aligns with the purpose for which you held the product in the first place**. I believe that while explanations when selecting financial products are important, follow-up after signing the contract is just as crucial.

[We also handle consultations such as these]

・ I want to review the details of a life insurance policy I purchased many years ago
・ I want to understand
・ My life circumstances have changed since I purchased it, so I’d like to review my current coverage
・ I’d like to confirm whether I should continue holding the insurance policies or annuities I’ve had for many years
・ As retirement approaches, I’d like to plan for retirement, including Social Security, a 401(k), and IRAs
・ I’d like to hear a different perspective from someone other than my current advisor

Based on our consultation, if your current products align with your goals, continuing with them as is is one option.

**You don’t necessarily need to sign up for new financial products.**

First, let’s review the details of your current contracts and the goals you had when you opened them, and then work together to determine how best to utilize them moving forward.

[November’s Retirement Column has been updated]

**“Do you still hold the life insurance or annuity you purchased 10 years ago for the same reasons today? ？ ”**

In this column, we’ll look at specific examples of how your life circumstances may have changed since you first purchased the policy—such as your children becoming independent, paying off your mortgage, or retiring. I also provide detailed information on five key points to check regarding policies you’ve held for many years, as well as what to consider if you haven’t received any follow-up from your agent since taking out the policy.

**Reviewing your policy doesn’t necessarily mean canceling it or switching to a new product. **

“Should I take a look at the insurance policies and annuities I currently hold? ？”

If you have questions like these, please be sure to read on.

You can view the November Retirement Column via the link below.

[Consultant Profile]

**Takeshi Yashima （ Takeshi Yashima ） **

He majored in Finance at the University of Wisconsin–Madison. While working at a Japanese company for about 10 years, he gained experience in real estate and precious metals investing starting around 2010, learning about wealth building and finance. He began his career in the financial industry in 2013 and has been providing financial services related to life insurance, annuities, and retirement for over 13 years. I also hold the RSSA （ Registered Social Security Analyst ） certification and have deepened my specialized knowledge of the Social Security benefits system. I place great importance on financial education—not just introducing financial products, but ensuring clients understand how they work so they can make informed choices.

[Your first one-on-one consultation is free]

“I’d like to review the details of an insurance policy I purchased in the past.”
“I have an annuity, but I’m not sure if I should keep it as is.”
“I’d like to review my current retirement preparations.”

If any of this applies to you, please feel free to contact us.

Consultations are available in Japanese. We offer both in-person ・ and online （ via Zoom ） options.

Life insurance and annuities are financial products you’ll be dealing with for years—or even decades, in some cases. That’s precisely why we value building a **relationship where you can feel free to consult with us not only at the time of purchase, but also long afterward**.

リタイアメント資産形成老後資金ソーシャルセキュリティー生命保険

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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)Have you thought about what happens after you sign a life insurance or annuity policy? ？

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)Mimura Accounting] We provide not only tax returns but also various accounting services.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)Don't Miss Out! ！ Introducing Our Seminar on Financial Literacy for Life in the U.S.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)Don't Miss Out! ！ Introducing Our Seminar on Financial Literacy for Life in the U.S.

あなたの未来に寄り添う、信頼の不動産パートナー グローバルな視点とシニアへのきめ細やかな心遣いで、最適なご提案を。

あなたの未来に寄り添う、信頼の不動産パートナー グローバルな視点とシニアへのきめ細やかな心遣いで、最適なご提案を。

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This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Have you thought about what happens after you sign a life insurance or annuity policy? ？

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Mimura Accounting] We provide not only tax returns but also various accounting services.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Don't Miss Out! ！ Introducing Our Seminar on Financial Literacy for Life in the U.S.

This text has been translated by auto-translation. There may be a slight difference between the original text and the translation. (Original Language: 日本語)
Don't Miss Out! ！ Introducing Our Seminar on Financial Literacy for Life in the U.S.

あなたの未来に寄り添う、信頼の不動産パートナーグローバルな視点とシニアへのきめ細やかな心遣いで、最適なご提案を。

あなたの未来に寄り添う、信頼の不動産パートナーグローバルな視点とシニアへのきめ細やかな心遣いで、最適なご提案を。