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Sales clerks

How to become a Non-Life Insurance Clerk

Also called: Claims payment clerk, General insurance clerk

Handles the whole process from receiving to paying insurance claims for policyholders who have suffered property damage, injury or death from car accidents, or damage to buildings and belongings from fires, typhoons and the like.

Main tasks

Workers in this job say university is common. From job tag's survey of people in each job, who could give several answers. It shows what workers see as common, not how many workers hold each level.

How to become one

No particular education or qualification is required to start, but new graduates usually join a non-life insurance company after university or a tanki daigaku (junior college). Specialist knowledge of insurance is gained after joining. Whether companies hire mid-career differs between insurers, but having the knowledge and experience needed for the work is an advantage. After joining and completing some training, staff are assigned to the claims department. At first they build experience mainly in office work such as preparing documents, taking accident and damage reports and handling enquiries, and gradually move on to investigating and checking claims and negotiating with policyholders and victims. Some go on to set up their own insurance agency. As well as knowledge of insurance products, you need knowledge of how to calculate losses so claims are paid accurately, and of related laws. You also need the ability to negotiate with many different people, including policyholders, victims and agents, plus calm and a sense of responsibility.

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Questions people ask

How do I become a Non-Life Insurance Clerk?

No particular education or qualification is required to start, but new graduates usually join a non-life insurance company after university or a tanki daigaku (junior college). Specialist knowledge of insurance is gained after joining. Whether companies hire mid-career differs between insurers, but having the knowledge and experience needed for the work is an advantage. After joining and completing some training, staff are assigned to the claims department. At first they build experience mainly in office work such as preparing documents, taking accident and damage reports and handling enquiries, and gradually move on to investigating and checking claims and negotiating with policyholders and victims. Some go on to set up their own insurance agency. As well as knowledge of insurance products, you need knowledge of how to calculate losses so claims are paid accurately, and of related laws. You also need the ability to negotiate with many different people, including policyholders, victims and agents, plus calm and a sense of responsibility.

How much does a Non-Life Insurance Clerk earn in Japan?

Average annual income in the private sector, bonus included, is ¥5,251,400 (Ministry of Health, Labour and Welfare). The figure is for the wage survey group Sales clerks, which covers several jobs.

Do you need a degree to become a Non-Life Insurance Clerk?

Not always. In this job's census occupation group, 49% of workers are university graduates.

Will AI change the work of a Non-Life Insurance Clerk?

Generative AI could change many tasks in this job, which usually reshapes the work more than it replaces it, by the ILO's global estimate.

Sources

独立行政法人労働政策研究・研修機構（JILPT）作成 職業情報データベース 解説系ダウンロードデータ（IPD_DL_description_7_01.xlsx）ver.7.01 職業情報提供サイト（job tag）より2026年10月4日にダウンロード（https://shigoto.mhlw.go.jp/User/download）を加工して作成

独立行政法人労働政策研究・研修機構（JILPT）作成 職業情報データベース 簡易版数値系ダウンロードデータ（IPD_DL_numeric_7_00.xlsx）ver.7.00 職業情報提供サイト（job tag）より2026年10月4日にダウンロード（https://shigoto.mhlw.go.jp/User/download）を加工して作成

Sources: JILPT Occupational Information Database download data via job tag (解説系 ver.7.01 and 簡易版数値系 ver.7.00, downloaded 4 October 2026), processed by Peernovo; MHLW, Basic Survey on Wage Structure 2025; Statistics Bureau of Japan, 2020 Population Census; MEXT, School Basic Survey 2025; MHLW, Employment Referrals for General Workers (Hello Work statistics). Figures processed by Peernovo. English job names, translations and the matching of jobs to statistical groups, schools and degree fields by Peernovo.

Updated 4 October 2026