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
Item
Content
Legal name
National Federation of Workers and Consumers Kyosai Living Cooperatives
Common name
全労済 / こくみん共済 coop (2019〜)
English name
National Federation of Workers and Consumers Insurance Cooperatives
Legal form
A federation based on the Co-op Act (a consumers’ cooperative federation)
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)
[!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.