全労済 / こくみん共済 coop (National Federation of Workers and Consumers Insurance Cooperatives)

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This entry sits under non-life-insurers INDEX as a workers’ / consumer-cooperative-based mutual-aid (共済) federation outside the JA / JF / shinkin / shinkumi axis. Read with Ja Kyosairen for the agricultural cooperative kyosai peer, Kyoritsu Fire Marine for cooperative-system non-life adjacency, insurance domain for the kyosai-vs-insurance regulatory boundary, and Rokin Renraku for the workers’ cooperative finance peer in banking.

TL;DR

A national federation that carries out the consumer-cooperative-system “kyosai” (共済) business for workers and consumers. Established 1957 , it is a consumer-cooperative federation based on the Consumers’ Cooperative Act (Co-op Act) (the Co-op Act, not the Agricultural Cooperatives Act). Under the “Kokumin Kyosai coop (formerly Kokumin Kyosai)” brand, it provides life kyosai + non-life kyosai (fire, automobile, accident, etc.) to labor unions, workers, and local residents. Members = regional workers’ co-ops + workplace co-ops + prefectural workers’ co-ops nationwide. As a cooperative-system insurance provider with over 1000 万 in policies in force / cooperative members, it is a large-scale domestic mutual-aid organization on a par with JA Kyosairen. Its jurisdiction is the Ministry of Health, Labour and Welfare (the Co-op Act has jurisdiction; consumers’ cooperatives are under MHLW jurisdiction), and its regulatory system differs from insurance companies subject to the Insurance Business Act. ^•

1. Organizational structure

Co-op-system kyosai vs agricultural-cooperative-system kyosai ^•

Key chronology ^•

Mainstay kyosai products ^•

Sales channels

• Prefectural workers’ co-ops (47 prefectural organizations) — directly operated branches + agencies
• Via labor unions — close relationships with Rengo and each industry-specific labor union
• Convenience-store collection / automatic transfer — efficiency in premium collection

Sense of scale (FY2024 年 settlement / end of 2025-05-31 period)

• Number of members: 58 members (47 prefectural workers’ co-ops + 8 workplace workers’ co-ops + 3 co-op federations)
• Number of policies: 2,893 万 policies (38.7 億 policy units)
• Policies in force: approximately 791 兆円
• Total assets: 4 兆 27 億円 (4,002,681 百万円)
• Kyosai premiums received: 5,299 億円 (529,928 百万円)
• Kyosai benefits paid: 3,175 億円 / Ordinary revenue: 6,461 億円

”こくみん共済 coop” brand strategy

• 2019 brand unification: the “全労済” name is the old name; externally it advertises and sells under “こくみん共済 coop” ^•
• “coop” = bringing to the fore its character as a consumers’-cooperative federation
• Capturing young people / urban workers + raising name recognition

Main competitors

• JA Kyosairen (ja-kyosairen) — the largest same-type institution by kyosai scale
• Prefectural citizens’ kyosai (National Federation of Workers and Consumers Co-ops) — another co-op-system kyosai federation
• Life-insurance Big 4 (Nippon Life / Dai Ichi Life / Meiji Yasuda / Sumitomo Life) — competition in life-system products
• The 3 major non-life insurers (Tokio Marine / MS&AD / SOMPO) — competition in automobile / fire
• Online insurance (Lifenet Insurance, etc.) — price competition with a direct-sales model

Combination with the labor movement

• A close relationship with Rengo (Japanese Trade Union Confederation) — utilizing the via-labor-union route as a sales channel for kyosai
• A strong base in the workplace field such as public-employee labor unions / teachers’ labor unions

Digital strategy

• Web applications / a policy-management app

4. Supervision / regulation

• Jurisdiction: Ministry of Health, Labour and Welfare (jurisdiction over the Co-op Act) + FSA (cooperative supervision in financial soundness / consumer protection)
• Legal basis: Consumers’ Cooperative Act (昭和 23 年 Act No. 第 200 号) + co-op kyosai regulation
• Recent policy topics:
  • Kyosai = insurance regulatory gap (competitive fairness between the Insurance Business Act vs the Co-op Act)
  • The direction of strengthening co-op kyosai regulation (MHLW / FSA cooperative supervision)
  • Digitization of tax deductions, etc. via My Number linkage
  • Voluntary disclosure of ESR-like indicators

Related

• ja-kyosairen — the corresponding national kyosai federation of the agricultural-cooperative system (peer)
• kyoritsu-fire-marine — Kyoei Fire & Marine Insurance (cooperative-system non-life)
• rokin-renraku — Rokin Federation (the banking version of workers’ cooperatives)
• norinchukin — the credit core of the agricultural-cooperative system (the largest of cooperative-system finance)
• zenchugin-kyo — the peer industry body of the banking sector
• insurance domain
• mutual-vs-stock-life-insurer
• cooperative-banking-japan
• non-life-insurers INDEX

Sources

• 全労済 / こくみん共済 coop official site: https://www.zenrosai.coop/
• 全労済 / こくみん共済 coop company profile: https://www.zenrosai.coop/about/
• こくみん共済 coop FY2024 年 settlement report (policies in force 791 兆円, kyosai premiums received 5,299 億円, total assets 4 兆 27 億円, number of policies 2,893 万, kyosai benefits paid 3,175 億円, ordinary revenue 6,461 億円): https://www.zenrosai.coop/zenrosai/topics/2025/32152.html
• こくみん共済 coop in numbers (FY2024 年): https://www.zenrosai.coop/about/number.html
• Japan Cooperative Insurance Association: https://www.kyosai-cc.or.jp/ (inter-cooperative liaison)
• Consumers’ Cooperative Act (昭和 23 年 Act No. 第 200 号)
• FSA list of insurance company licenses (https://www.fsa.go.jp/menkyo/hoken.pdf) — for regulatory-system comparison
• JA Kyosairen FY令和5年 settlement (JA Kyosai comparison: policies in force of approximately 210 兆円): https://www.ja-kyosai.or.jp/files/2024/202407-2.pdf

[!info] 校核状态 confidence: likely. Based on public information (全労済 / こくみん共済 coop official + Co-op Act + Japan Cooperative Insurance Association). Policies in force / total assets / kyosai premiums received are actual figures from the FY2024 年 settlement (end of 2025-05-31 period, approved at the 145 th ordinary general meeting on 2025-08-27). For the latest, refer to the federation’s disclosure (FACT BOOK). “こくみん共済 coop” is the mainstay brand name after the 2019 renaming, and “全労済” is the common name of the corporate legal name.