Tips for Essay Writing

Essay Theme :
Perspectives on Life Insurance

FALIA is a public interest incorporated foundation that aims to make a broad-ranging contribution to further disseminating life insurance ideas, economic development, and the enhancement of social security in overseas regions where life insurance is developing.

For the FALIA Essay Competition, we have set the essay theme as “Perspectives on Life Insurance" in order to get international students currently living and studying in Japan to give extensive thought to life insurance.

We would like to actively solicit submissions both from those who study areas related to life insurance, as well as those who do not.

We will provide hints on writing essays and ask that you please refer to them.

Cultural Anthropology

The role of life insurance in a country is intimately connected to its culture, religion, history, and customs. This viewpoint is essential to the globalization of the life insurance industry.

Example Theme

  • Issues related to Women's Social Advancement and the Role of Life Insurance Companies

  • Life Insurance Company and Work-Life Balance
    – Women’s Active Participation
  • Current Situation and Future Prospects of Takaful Distribution
  • Consideration of Religion and Life Insurance
  • Youth Today and Life Insurance


Since life insurance is a part of the finance field, a statistical/mathematical approach forms the basis of management. Many employees with math and science majors play active roles in the field, such as in product design, risk management, and asset management. East Asian countries in particular need human resources with mathematical expertise, which are termed “actuaries” in the insurance industry.

Example Theme

  • Study on Life Insurance Product Designing
  • Value Judgement at Acquisition of Life Insurance Companies
  • Present Value of Life Insurance Products

Social Security/Tax System/Finance

Life insurance is closely related to the government’s social security and tax policies. For instance, the governmental orientation on social security policy has a major impact on the role of life insurance companies in society, and life insurance-related tax systems are a significant factor behind the growth of life insurance. One potential topic could be to think about the reason why life insurance companies offer not only life insurance but also pension insurance that supplements public pensions.

Example Theme

  • Life Insurance and Tax Policies

  • Study on Economical Effect of Nursing Care Industry and Life Insurance Industry
  • Social Security System and the role of Life Insurance


Insurance systems, insurance products, and insurance sales, all involve an extensive number of rules. Legal checks and theory are absolutely necessary for each system, product, and sales.

Example Theme

  • Issues in Insurance Law in a country
  • Revision to the Civil Law and its Influence on Life Insurance Market

  • Consumer Protection in Life Insurance


Marketing strategy is an important key to the development of insurance. In recent years, life insurance products have been marketed through a variety of distribution channels, including internet sales. One potential topic could be to think about where to set the sales base of a company in light of changing consumer behavior.

Example Theme

  • Distribution Channels of Life Insurance in a country


Developmental Economics

Life insurance is an important type of social infrastructures that supports social and economic progress. A government’s attitude toward the life security of the people influences the country’s development.

Example Theme

  • Role of Life Insurance as Social Infrastructure

  • Life Insurance Literacy in Developing Countries
  • Economic Growth of my country and Life Insurance
  • Expanding Disparity in Wealth and the role of Life Insurance
  • Current Situation of Micro Insurance and its Future Challenges

Population Issues

Demographic change, namely increases or decreases in the population, is closely related to a country’s development and the lives of individual people. Life insurance is expected to respond to explosive increases in the population or declining birth rates and the aging of the population. A study of the mortality table could also be a good topic.

Example Theme

  • Issues and Future perspective of Life Insurance in Depopulating Age

  • Declining Birthrate and Life Insurance
  • Aging Society and the Role of Life Insurance

Monetary Policy

Life insurance is expected to play a significant role as a supplier of long-term funds and as a form of support for social security and individual savings. Monetary policy affects the accumulation of property by individuals in the country.

Example Theme

  • Life Insurance Products and Investment Management

  • Future Perspective of Life Insurance Industry under Ultralow Interest rates


Information Technology (IT) and finance act in unison. System and network development occurs in contexts such as product development, asset management, sales control, and contract management.

Example Theme

  • InsTech of Forward

  • Bringing Big Data to Life Insurance
  • Development of Internet Technology (IT) Network and the Future of Life Ins. Sales

Preventive Medicine

A preventive medicine point of view is important. One potential essay topic could be to think about how to improve insurance profits through campaigns for preventing lifestyle-related diseases.

Example Theme

  • Development of Medical Technology and Life Insurance

Home Economics and Life insurance

Home economics is one of the most significant economic units, and is important at the company- and local/national government- level as well. Life insurance and pension insurance can undertake roles in risk management and asset management in households.

Example Theme

  • The Role of Life Insurance in Home Economics

    Changing Life 
  • Design and Life Insurance


Example Theme

  • Geopolitical Risk and Globalization in Life Insurance Companies

  • Globalization and Life Insurance Industry
  • Overseas Expansion of Life Insurance Industry

About Life insurance and others

Example Theme

  • Risk in Life Insurance

  • Required types of Life Insurance Product in a country
  • Moral Risk
  • The role of Life Insurance in my country
  • Corporate Social Responsibility (CSR) and Life Insurance Company
  • Health management at life insurance companies
  • Contribution of life insurance to advancement of SDGs
  • Relationship between ESG management and life insurance
  • Expectation to Life Insurance in my country
  • The public's attitude toward Life Insurance in my country
  • The role of Life Insurance in Modern Society
  • My family’s Experience with Life Insurance
  • Experimental Study of Life Insurance