Who We Are
Overview
• Founded in the US in 1991 - 35 years
• Headquarters: New York City, with regional offices around the country
• Multilingual customer phone service and member support materials in English, Spanish, Japanese, and Korean
• Rated A- Excellent by AM Best, 1/2026
• Products:
Networks:
• Dental: NLB Network Access - Aetna Dental Administrators (ADA), Careington, Connection Dental, and DenteMax
• Vision: EyeMed Insight Network
Nippon Life Benefits is a Subsidiary of Nippon Life Insurance
World Class Financial Strength
Founded in 1889, Nippon Life is headquartered in Osaka and Tokyo, Japan*
Employees:
• 47,842 Sales Representatives
• 20,218 Non-Sales
Main Lines of Business
Nippon Life Insurance of Japan Major Subsidiaries & Affiliated Companies Insurance and Related Businesses
• TAIJU LIFE INSURANCE COMPANY LIMITED (Japan – Life insurance)
• Nippon Wealth Life Insurance Company Limited (Japan – Life insurance)
• HANASAKU LIFE INSURANCE Co., Ld. (Japan – Life insurance)
• Nippon Life Insurance Company of America (USA – Employee benefits)
• MLC Limited (Australia – Life insurance)
• Great Wall Changsheng Life Insurance Co., Ltd. (China – Life insurance)
• Bangkok Life Assurance Public Company Limited (Thailand–Life insurance)
• Reliance Nippon Life Insurance Company Limited (India– Life insurance)
• PT Asuransi Jiwa Sequis Life (Indonesia – Life insurance)
• Grand Guardian Nippon Life Insurance Company Limited (Myanmar– Life insurance)
Asset Management-Related Businesses
• Nissay Asset Management Corporation (Japan – Investment management, investment advisory, and type II financial instruments services)
• Nippon Life India Asset Management Limited (IndiaInvestment advisory and discretionary investment contract services)
• The TCW Group, Inc. (USA – Investment advisory and discretionary investment contract services)
• Post Advisory Group, LLC (USA – Investment advisory and discretionary investment contract services)
• The Master Trust Bank of Japan, Ltd. (Japan – Trust banking services)
• Nippon Life Global Investors Americas, Inc. (USA – Loans and investment on behalf of Nippon Life)
Medical Plan Networks
National PPO Networks
• Aetna Signature Administrators ® (ASA)
• ASA is a national PPO network with more than one million participating physicians and approximately 6,400 hospitals.
• It is one of the country’s most comprehensive PPO network and holds NCQA accreditation
Private Healthcare Systems (PHCS)
• PHCS is one of the largest PPO networks, with over one million providers and 4,700 hospitals
• It provides nationwide access to providers and facilities and holds NCQA and URAC accreditation
Medical Plan Options
• Evolution PPO Plans: offer a variety of deductible, coinsurance, copays, and out-of-pocket options so you can customize a benefit solution to meet your needs
• Evolution PPO Value Plans: similar to our Evolution PPO Plans with higher out-of-network limits to encourage in-network usage
• Evolution High Deductible Health Plans (HDHP): high-quality, costeffective coverage, meant to save premium dollars, promote health advocacy
• Evolution HDHP Value Plans: similar to our Evolution HDHP Plans but include higher out-of-network limits to encourage in-network usage - drives down premium even further
• Qualified HDHP plans: can be paired with an HSA (Health Savings Account)
Healthcare Accounts
Save on taxes and pay for qualified expenses.
• FSA (Flexible Spending Account) - Employer and/or Employee funded account to reimburse employees for qualified expenses
• HRA (Health Reimbursement Arrangement)Employer funded plan that can be used to reimburse a portion of Employees’ out-of-pocket medical expenses
• HSA (Health Savings Account) - A tax-advantaged personal account to pay for qualified expenses when paired with a compatible HDHP plan
Global Coverage with Aetna International
Scope of Coverage
• Medical and prescription coverage while traveling outside the U.S.
• Extends from routine check-ups to emergency treatments
• Members can visit any provider without requiring referrals
• Access to 165,000 providers outside the U.S.
• Coinsurance, deductibles, and out-of-pocket cost sharing are the same as the in-network cost-sharing within the U.S. plan benefits.
• 24/7 member service in 240 languages
Traditional East Asian Medicine
Benefit Enhancement
• Provides additional coverage for a variety of services such as acupressure and herbal supplements.
Sample of covered services
• Acupuncture
• Acupressure
• Hypnotherapy
• Massage Therapy
• Cupping
• Tai Chai
Sample of covered supplements
• Ginseng
• Fucoidan
• White Flower Oil
• Tiger Balm
Lab Testing – QuestSelect - Advanced and Plus
Outpatient lab work through Quest Diagnostics®, accredited and certified for most diagnostic tests.
For PPO members:
• Option to have covered outpatient lab testing performed at no cost Provider collection and handling fees may not be fully covered
• We pay the full amount of covered and approved lab services
• No deductibles, copays, or coinsurance costs
For HDHP members:
• Deeply discounted testing.
Tests Include:
• Blood, cholesterol, and urine tests
• Pap smears.
• Biopsies
• Cultures
• Other cytological and pathological tests
Prescription Drugs
• Prescription drug benefits are provided through CVS Caremark, the largest provider of prescriptions in the country
• More than 68,000 participating pharmacies nationwide (both CVS and non-CVS pharmacies)
• CVS Caremark Prescription Mail Service pharmacy for home delivery
• Specialty Pharmacy Services for the treatment of rare or complex conditions
• Discount program for high-cost injectable drugs
• Fast Start / Phone Option
• Order Form Option / Mail with 90 Day Script
• Auto Refill Option / Maintenance Medications
• Provides 24/7 access to a national network of U.S. board-certified physicians for non-emergency medical issues or mental health visits via phone or online video
• Oldest and largest telemedicine company in U.S.
• Services all 50 states*
• Meet via phone or video chat with board-certified, state-licensed physicians for non-emergency issues
• Available for all members who request medical coverage
• PPO-No Cost for regular and MH Teledoc visits
• HDHP-Standard Visits: $55
MH cost: Psychiatrist Initial Visit: $220
Psychiatrist Ongoing Visits: $100
Psychologist, Counselor, or Therapist Visits: $90
Prenatal Program
• Helping parents give babies a healthy start
• Designed to promote the health and wellbeing of babies and soon-to-be moms to help prevent health issues during pregnancy
• No cost to members
• $100 reward to participants who enroll during the first 20 weeks of pregnancy
• Call to enroll: #1-833-462-0090
Care Management
Aetna Active Health/Suite of Medical Management Solutions
• Pre-admission Authorization
• Large Case Management
• Utilization Management
Care Management
• Pre-admission certification
• Discharge planning
• Concurrent hospital review
• Retrospective hospital review
• Large Case Management identification and implementation
• Alternative care intervention
Organ Transplant
We work with two nationally recognized networks:
• Aetna’s Institutes of Excellence (Members in Aetna Signature AdministratorsTM)
• OptumHealth (Members in PHCS)
Wellness Services (Powered by ActiveHealth)
Core Package is included in the Medical plan at no additional cost.
CareEngine: Spots care gaps or errors and suggests improvements for members and providers
• CareEngine: Recommends screenings, tests, or treatments and warns about potential drug interactions
Wellness Portal: Provides online health assessment, personal health records, and extensive health education and resources.
• Easy access through Nippon Life Benefits’ member site and Mobile App (log-in required)
• All members aged 18 and older have their own access to the portal
• Dependents under 18 are included in the employee’s portal
Additional Buy-Up Programs
Employee Assistance Program through Telus ($1.20/employee)
• 24/7 best-in-class counseling
• Immediate telephone support from specialized professionals in counseling, social work, psychology or human services
• Virtual counseling: Video, Telephonic & SMS/Text.
• Immediate access to an EAP counselor through video and phone for confidential and secure virtual sessions
• Face-to-face, in-person, counseling
• Referrals to the LifeWorks extensive network of master’s level clinical counselors and affiliates
Additional Buy-Up Programs
Wellness Buy-Up Packages (Core package included with medical plans)
• Buy-up Package A: Core + Online Rewards Center, Incentive Report
• Buy-up Package B: Core + A + Biometrics Screening
• Buy-up Package C: Core + A + B + Telephonic Lifestyle Coaching
Wellness Portal
• Easy-to-use tips, tools, and trackers
• Simple dashboards to track progress.
• Action items, reminders, health assessments, and more
Wellness Portal
CareEngine Online Rewards Center
Biometric Screening
Telephonic Lifestyle Coaching
with Plan purchase)
Active & Fit Direct®
• Access to 8,100+ online workout videos for home or on-the-go exercise
• Low one-time enrollment and a monthly fee
• 17,500+ standard fitness centers
• Unlimited one-on-one personalized lifestyle coaching via phone in fitness, nutrition, stress, and sleep
• No long-term contract
• Just $28 a month*
NLB Global Group Health Plans: Medical, Vision and Ningen Dock
We excel at navigating employee benefits for foreign owned companies in the U.S. because we are one.
Underwriting Guidelines for NLB Global Medical Programs and
Participation Requirements -Trust
Foreign-Owned
Medical Benefit
• NLB Global offers services to affiliated companies with 100+ employees worldwide*, primarily for global staff and Green Cardholders. This plan benefits employees and their families on assignment in the U.S.
• If the group qualifies for our Global Trust after Underwriting review, they will receive our trust rate.
• Customize your plan based on global staff’s local needs and global benefits balance.
For qualifying cases, an employer may receive an additional discount based on the renewal increase and responses to the questions below.**
1. Is this group Small Group or Large Group rated?
2. Is the case foreign-owned? If so, please provide us with the link to the foreign parent company.
3. Employer contribution toward the employee’s medical cost on all medical plans.
4. Number of years with current carrier.
5. Number of COBRA employees.
Qualifications and Underwriting Guidelines
Policies must be sitused in:
• Company must be owned by a foreign parent*.
• The company must be a member of a controlled group of a foreign parent company (for example, a parent company owns at least 80% of the stock).
• The total number of employees among the affiliated companies (including the parent company) must exceed 100 worldwide.
• Additional discounts may be available for groups meeting certain criteria based upon underwriting review.
®
We excel at navigating employee benefits for foreign-owned companies because we are one.
NLB Global offers medical coverage for U.S.-based employer groups with foreign ownership. Flexible benefits include Medical, Vision, and Ningen Dock—a comprehensive preventive health checkup program.
• Direct access to over 1.3 million doctors, hospitals and walk-in clinics
• Assistance locating hospitals, doctors and specialists
• Our exceptional customer service team provides multilingual support and materials in English, Japanese, Korean, and Spanish
• Help with finding health care services
• Assistance with prescription medications, medical devices, and second opinions
• Personalized assistance for managing chronic or complex health conditions and coordinating care among your medical providers
NLB Global Additional Features
Employees who qualify for medical coverage also get access to the following:
• Teladoc®
• Wellness Program
• Vision
• Quest Select Advanced/ Quest Select Plus®
• Pregnancy Support Program
• Active & Fit Direct ®
• Nippon Life Benefits Mobile App
Employers can also select to purchase or fund additional programs such as:
• Employee Assistance Program
• Life
• Healthcare Accounts • Disability
• Dental
Underwriting Guidelines – Large Group
Request for Proposal Requirements
Eligible Groups
Eligible Employees
Policy Situs
Availability
Minimum Number of Hours
Effective Dates
Rate Guarantee
Available Plan
Designs
Eligible groups are corporations and partnerships where there is a clear employee/employer relationship.
Eligible employees must be full-time, typically working 30 hours per week as per state laws. Certain owners and officers qualify if full-time. Parttime, temporary, and seasonal workers are not eligible.
New York, New Jersey, Pennsylvania, North Carolina, South Carolina, Texas, California, Georgia, Illinois, Indiana, Michigan, Ohio, Kentucky, Tennessee and Wisconsin. Trust products are not available in all states. We cannot offer medical coverage to employees residing in Hawaii and New Hampshire.
The definition of a full-time employee must comply with the requirements of each states. Generally, where allowed by law, a minimum of 30 hours is required.
The effective date can be the 1st of the month or the 15th of the month. Groups with 15th of the month will have a 12½ policy period for the first year.
Initial rate guarantee period is 12 months.
NLB offers an assortment of Evolution PPO plans, Value PPO plans, Evolution CDHP plans, and CDHP Value plans.*
• Company name, mailing address, zip code and phone number
• Proposed effective date
• SIC code or nature of business
Information
Needed for a Quote
• Census should include all eligible employees, gender, date of birth, zip code, coverage tier, plan election, and waiver information – why they waived coverage (spousal, parental, Medicare, Medicaid). For Trust business, the census must include residential status (Expats, Green Cardholder, US Citizen), and a link to the foreign parent must be provided.
• Current and renewal rates – copy of the renewal package if available
• Name of the current insurance carrier and how the case is rated.
• Number of years with the current carrier
• Current plan design(s), plus any additional options you would like added to the proposal.
• Employer contribution percentage towards employee’s medical cost for all medical plans
• Reason why the case is out to bid.
• Experience if available or required by state (claims, premium, number of lives, and individual large claims) two years broken out by month if possible. Experience is required for groups with more than 225 enrolled or 300 eligible. If not available, please explain.
• Kaiser wrap, 40% of the eligible enrolled *Medical
Proposal Requirements
Eligible Groups Corporations and partnerships where a clear employee-employer relationship exists.
Eligible Employees Full-time, typically working 30 hours per week as per state laws.
Effective Dates 1st of the month or the 15th of the month. The initial rate guarantee period is 12 months.
Available Plan Designs
Evolution PPO plans, Value PPO plans, Evolution CDHP plans, and CDHP Value plans.
• Mailing address, zip code, and proposed effective date
• SIC code or nature of business
Information Needed for a Quote
Target Market Scorecard (TMS)*
• Census should include all eligible employees, gender, date of birth, zip code, coverage tier, plan election, residential status (Expats, Green Cardholder, US Citizen), and waiver information
• Current and the renewal package if available
• Current carrier and how the case is rated
• Number of years with the current carrier
• Current plan design(s), benefit summaries, and SBCs
• Employer contribution percentage
• Monthly experience if available or required by state (claims, premium, number of lives, and individual large claims)
For qualifying cases, an employer may receive an additional discount based on the renewal increase and responses to the questions below.
1. Is this group Small Group or Large Group rated?
2. Is the case foreign-owned? If so, please provide us with the link to the foreign parent company
3. Number of years with current carrier
*Not applicable for New York cases. Eligibility under the Nippon Life Insurance Company of America Foreign-Owned Medical benefit is limited to employer groups whose coverage qualifies as an expatriate health plan/expatriate policy, as defined by applicable law. Please note that additional eligibility requirements to participate in the program may apply. A copy of the renewal package is required to verify the renewal increase and rating with the current carrier increase. The Employer must meet the Large Group definition as defined by the State Insurance Department.
NLB Network Access: A Powerful National Dental Solution
NLB Dental Network Access combines the top four U.S. dental networks into one flexible, high-value solution.
Over 500,000 participating locations nationwide
Unmatched access and convenience
One seamless network experience
NLB 100/50/50 Share Dental Plans: Premiums as Low as $10 per Month
Drive Better Utilization and Lower Costs
• 500,000+ Provider Locations Nationwide
100% Preventive Coverage — No Deductible
• 100% preventive coverage in-network promotes ongoing oral health and can reduce future highcost claims
100/50/50 Share for Everything Else – Cost Sharing Keeps it Simple
• A simple 100/50/50 cost share helps members get the most from their plan with in-network care
Dental Plan Highlights
Standard Plan
Comprehensive dental coverage that remains affordable
• Contributory options available
• Voluntary options offered Discounts are available
• Dental Discount Program: Eligibility is based on the duration with the current dental carrier and requires a minimum employer contribution of 50%.
• Bundling Discount – Progressive savings apply Packaging Discount: Progressive discounts are applied when dental coverage is bundled with one, two, or three additional lines of coverage
• We offer Usual, Customary, and Reasonable (UCR) and Maximum Allowable Charge (MAC) options for utmost flexibility
Vision Plan Highlights
Additional Discounts* Through EyeMed**
• Up to $1000 off LASIK at LasikPlus®
• $25 off with vision insurance at Target Optical®
• $50 towards glasses at Pearle Vision®
• 10% off contact lenses at ContactsDirect.com
• Up to $150 off annual supply of contact lenses at Target Optical®
Additional callouts that are standard across all plans
• Up to 40% off additional pairs - the best, most flexible in the industry
• 20% off any remaining frame balance
• 20% off any non-covered item
• 15% off any balance over the conventional contact lens allowance
Basic Group Term Life Plan Highlights
Participation
• 75% participation required
• 100% participation is required if the benefit is totally employer-paid
Employer contribution
• 50% or more employer contribution required
Maximum Benefit
• Regardless of group size: $300,000
Guarantee Issue Amount
• 2-9 Enrolled Lives: $50,000
• 10-99 Enrolled Lives: $100,000
Age Reduction Schedule
• Options available
Waiver of Premium
• Standard
• Other options available Employees are covered as a group with no underwriting for health conditions up to guarantee issue limits
• Available in conjunction with Group Term Life, Supplemental Life and Voluntary Life
• Provides additional benefits for accidental death and certain severe accidental injuries
AD&D Plan Highlights Additional Benefit Features
• Accompaniment • Education
• Child Care • Relative Dependent Care • Coma
Repatriation Expense
Common Carrier
Criminal Assault
Seatbelt
Surgical Reattachment • Critical Burn
Travel • Disappearance
®
Additional Life Plan Options
Supplemental Life
• Available in conjunction with Group Term Life
• Requires at least 5 enrollees or 25% participation, whichever is greater
• Portability option available
Voluntary Life
• Requires at least 5 enrollees or 25% participation, whichever is greater
• Portability option available
Dependent Life
• Available in conjunction with Group Term Life, Supplemental Life, and Voluntary Life
• Adds coverage for employees, spouse, and children ages 14 days to age 19 (or 25 if full-time student)
Evidence of insurability may be required.
Why Disability Coverage is Necessary
We offer an appealing benefit backed by an exceptional return-to-work claim process.
Did you know?**
• One-third of employed Americans are expected to face a disability lasting at least 90 days at some point in their working lives
• The typical disability claim lasts close to 13 months
• A large percentage (40%) of full-time workers do not have disability insurance, putting them at financial risk if they become unable to work due to health issues
Focus On Helping Employees Return to Work
Return-to-Work* programs can:
• Help injured employees return to work sooner
• Reduce the length of their absence
• Decrease the average absence by 3.6 weeks
*The Disability Insurance Advisor: https://disabilityinsuranceadvisor.com/statisticsandfactsaboutdisabilityinsurance/ **Rand Institute for Civil Justice: https://www.rand.org/content/dam/rand/pubs/working_papers/2010/RAND_WR745.pdf
Short Term Disability Plan Highlights
Benefit Percentage
• 50%, 60%, 66 2/3%
Minimum Benefit for SDI states
• 20% with no offset
Maximum Benefit
• 2-99 Enrolled Lives: up to $2,500
Guarantee Issue Amount
• 2-9 Enrolled Lives: $1,500
• 10-99 Enrolled Lives: $2,500
Elimination Period
• 2-99 Enrolled Lives: 0/7, 7/7, 14/14 or 29/29-day
First Day Hospital (option)
• Benefits start immediately if confined as an inpatient
Other Benefit Options
• Survivor Benefit
• 24 Hour Protection
Benefit Duration
• 2-9 Enrolled Lives: 13 or 26 week
• 10-99 Enrolled Lives: 13, 26 or 52 week
Long Term Disability Plan Highlights
Benefit Percentage
• 50%, 60%, 66 2/3% options
Minimum Benefit
• 10% of gross monthly benefit or $100, whichever is greater
Maximum Benefit
• 2-9 enrolled $6,000
• 10+ enrolled $7,500
• Higher monthly maximums available with underwriting approval
Guarantee Issue Amount
• 2-9 enrolled $6,000
• 10+ enrolled $7,500
Elimination Period
• 90-day or 180-day option
Online Benefits Management
24/7 Access through the NLB Portal and NLB Mobile App
• View and download premium statements
• View benefit details
• Review online eligibility activities and add, terminate, or change member eligibility
• Download forms
• View claim activities and benefit details
• Access the wellness portal
• View and print temporary ID card for members
• Find a provider
• Message customer service
Ningen Dock for NLB Global Members
Helping You Navigate Your Ningen Dock Journey
Ningen Dock services are fully covered.
What is Ningen Dock?
• The Ningen Dock Program, inspired by ships that regularly dock in ports for examinations and repairs, offers comprehensive health assessments to individuals.
• Health examination system developed in Japan for preventive medicine.
• Aims to identify potential health risks before they become more serious or difficult to treat.
• Detects cancer and lifestyle-related diseases early and confirms overall health status.
• Combines blood tests, chest X-rays, ultrasound scans, and optional advanced diagnostics like endoscopy, CT scans, and MRIs.
• This proactive approach contributes to better health outcomes and longer life spans, making it a cornerstone of Japanese healthcare.
*Excluding children.
Ningen Dock Coverage
A comprehensive checkup program that promotes preventive healthcare and serves to improve health outcomes by detecting potential health issues early.
Scope of Coverage*
• Exclusively available to expatriate employees—Non-U.S. citizens temporarily working in the United States.
• Covers annual employer-required routine physical exams, eligible services and treatments in the U.S.
• Option to include dependent coverage*
• PPO and Non-PPO Providers: 100% of eligible charges, no deductible/copay, up to $2,000 per person annually.
• $4,000 buy-up option for enhanced coverage.
• Vision coverage included.
*Excluding children.
Ningen Dock Coverage
• Direct access to over 1.3 million doctors, hospitals and walk-in clinics
• Multilingual team available for questions regarding plan benefits.
• Assistance locating hospitals, doctors and specialists near you.
• Help with finding health care services.
• Assistance with prescription medications, medical devices, and second opinions.
• Personalized assistance for managing chronic or complex health conditions and coordinating care among your medical providers.
• Customer service team support for help with claims management and submission in multiple languages.
Ningen Dock Coverage
Visit your Ningen Dock provider and show your ID card.
Ningen Dock services are cost-free. Out-of-network may require payment at the time of visit.
Your Ningen Dock provider will file the claim. If you choose an out-of-network provider, you may need to file the claim yourself.
Your plan covers the negotiated rate for Ningen Dock services. Out-of-network may require upfront payment.
Ningen Dock Covered Tests and Examinations
Category Covered Tests and Examinations
Physical Examination
Periodic Comprehensive Preventive Examination
Complete Physical Examination
Intake Analysis of Medical Questionnaire
Ningen-Dock Results Report
Depression Scale
Body Measurement
Audiometry
Ophthalmologic Exam
Respiratory System Exam
Height Measurement
Weight Measurement
Body Mass Index
Air Displacement Plethysmography (ADP)
Pure-Tone
Audiometry (R・ L)
Eyesight (R・ L)
Ocular Fundus (R・ L)
Eye Pressure (R・ L)
Chest X-ray
Spirometry
Sputum Exam
