Expand services that respond to a society with a declining birthrate and aging population
We address customer needs by providing face-to-face consulting and lifestyle support in a way that is aligned with their changing interests and concerns, aiming to be the most trusted partner in asset formation and investment in a society that faces a declining birthrate and aging population, as well as increased longevity.
Products for individual customers
As the average lifespan grows longer, there is serious societal concern regarding the financial stability of people as they reach old age, and financial institutions are increasingly expected to serve a role in helping customers lead worry–free lives in their later years. To address our customers' lifestyle needs in old age, we are providing individual customers with financial planning and consultation to ensure stability in their later years, home renovation loans to make houses barrier–free, as well as developing and providing products and services that are of interest to older people.
Multifunctional Safety Trust responding to the various needs of older customers
In Multifunctional Safety Trust accounts, Mizuho Trust & Banking manages funds deposited by customers in principal–guaranteed financial instruments, and customers can use the funds for the functions and services they need when they need them.
In addition to providing financial services, such as request for consent of payout, annual fund giving, and other services, Mizuho provides lifestyle–support services. These include introductions to companies offering such services as caregiving, nursing homes, and housekeeping on a favorably discounted basis.
Multifunctional Safety Trust (Japanese text only)
Dementia Support Trust: Creating a society in which people can retain their autonomy even if they are afflicted by dementia
Mizuho Trust & Banking offers a Dementia Support Trust, which allows customers to put their financial affairs in order by designating funds to be used for things such as living and medical expenses in case they suffer from dementia later in life.
Dementia Support Trust(Japanese text only)
Guardianship support trusts
Mizuho Trust & Banking offers guardianship support trusts with the main objective of helping monetary asset management by users of the adult guardianship scheme due to senile dementia or disabilities.
Linked to the adult guardianship scheme under Japanese law, the product is only available to users of the scheme (although actual subscription is performed by the adult guardian appointed by the family court).
The monies entrusted to us are not only transferred periodically for the benefit of the users under the (written) instruction of the family court but also used for incidental payments, also under the instruction of the family court. We thus ensure timely and appropriate payments while preserving the precious assets of the users.
Guardianship support trusts (Japanese text only)
Offering products and services that meet the needs of children with disabilities and their families
Mizuho Trust & Banking, in cooperation with other companies, develops and offers a wide range of trust banking services for its customers.
Mizuho's Life Insurance Trust (Mirai Anshin (Future Safety) Support Type) is mainly intended for family policy holders who have children with disabilities. When family members pass away, it provides planned benefit support for the children of the family.
Going forward, Mizuho Trust & Banking will offer products and services that are readily available to children with disabilities and their families throughout their lifetimes.
Mizuho's Life Insurance Trust （Japanese text only）
Mizuho Reverse 60
Mizuho Reverse 60 is a mortgage loan that enables customers aged 60 or above to use their owner-occupied house (home) as collateral to borrow funds to purchase or rebuild a home.
The monthly payments cover only the interest on the loan, and the principal is repaid upon the death of the borrower either by sale of the home or a lump-sum payment by the heirs.
In our graying society, this product meets the growing need of older customers to change their living situations and helps them realize a more affluent lifestyle in their later years.
Group credit life insurance for those diagnosed with cancer
This group credit life insurance offered by Mizuho Bank provides complete repayment of the customer's home loan regardless of their employment situation, in the case that they are diagnosed with cancer while repaying the loan.
Consulting and other services
Through services including research, consulting, piloting, seminars and business matching, we offer policy research on general social security field, as well as business consulting for national and local governments and corporate clients.
National and local governments
Support for policy planning on healthcare, medical care, welfare and long-term care
Mizuho Research & Technologies provides central and local government bodies with support for policy planning on general social security field. More specifically, the Social Policy Consulting Division provides services ranging from the development of evidence (current-status grasping, analysis, evaluation and prediction based on big data analysis, questionnaire surveys and impact validation data), required when considering systemic reforms, and the results of studies and interviews on advanced cases and overseas practices, to the identification of issues facing the existing system, proposals for improvement and consulting support to realize a sustainable social security system. We are addressing various topics including on healthcare, medical care, nursing care, welfare and talent.
Regarding research planning and solution proposal, we have an ambitious objective of providing effective consulting support with integrated intelligence, working with internal and external teams specialized in science, technology and digital transformation (DX).
Social Design (Japanese text only)
Consultation on health, medical, and long-term care policy (Japanese text only)
Consultation on welfare, pensions systems and a convivial society (Japanese text only)
Employed labor and talent (Japanese text only)
Cases in health, medical and long-term care
- Study, research and policymaking support pertaining to industrial promotion related to medicines and medical equipment
- Study, research and policymaking support driven by NDB and other big data
- Study, research and policymaking support pertaining to the reconciliation of treatment with work
- Study, research and policymaking support pertaining to assistance for family carers
- Study, research and policymaking support pertaining to medical and dental systems, exercise, diet, rest and stress alleviation
- Study, research and policymaking support pertaining to the visualization of the social impact of goods and services based on social contribution indicators
- Study, research and policymaking support pertaining to the promotion of DX and introduction of remote work at long-term care offices
Cases in welfare and a convivial society
- Study, research and policymaking support pertaining to children's places
- Study, research and policymaking support pertaining to the handling of children requiring medical care in company-led childcare services
- Study, research and policymaking support pertaining to the education of, support for, and social participation of children and persons with developmental disabilities
- Study, research and policymaking support pertaining to social childcare
- Study, research and policymaking support for the protection of the right of, economic support for, and social independence of children and youth
- Study, research and policymaking support pertaining to the social participation and independence of persons in solitude or isolation
- Study, research and policymaking support pertaining to a convivial society inclusive of the dementia
- Study, research and policymaking support pertaining to decision-making assistance
Companies and health insurance associations
Support to private companies for business viability assessment and new business creation
- We provide support for business viability assessment, marketing surveys and new business creation, based on insights into policy and regulatory developments in social security.
- We consider various topics including healthcare, medical care, long-term care, welfare, employment labor and talent.
Cases of consulting service
- Study and research intended to promote the medical industry
- Consulting service pertaining to a convivial society inclusive of the dementia