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2025 Integrated Report

Long-term protection

Individuals and businesses must now operate in a world characterized by unpredictability and complex, ongoing economic change.  

Interviews

Interview with Tetsuro Kawashima, Executive Officer and Chief Product Officer at AXA Life Japan

AXA Life Japan reshapes the contours of financial protection

In response to the demographic ageing, insurers are on the front line, tasked with developing innovative protection solutions to support this transformation.

With nearly 30% of its population aged 65 or over, Japan is facing unprecedented demographic ageing. This demographic shift is driving an increase in healthcare expenditures while reducing the number of contributors financing the pension system, whose future remains highly uncertain. In response to this challenge, insurers are on the front line, tasked with developing innovative protection solutions to support this transformation. This is precisely the role we fulfil at AXA Life Japan, operating across life insurance, health insurance and savings.

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Interview with Corinne Calendini, Chief Executive Officer Individual Protection, Life & Savings at AXA France

Putting customer savings to work for the real economy

Over €6 bn invested in unit-linked funds for tangible projects since 2016.

In a world hit by a succession of economic, climate, and geopolitical shocks, savings play a central role. While they serve as a protective tool for individuals, they become a powerful driver of economic financing as well as a pillar of our sovereignty when invested in businesses or infrastructure. But investment in private markets has long been the preserve of institutional investors and high-net-worth individuals. Since the French Growth Act (loi pour la croissance) of 2015, AXA France has sought to make this asset class more accessible through its life insurance and retirement plans. Various regulatory changes, including the most recent (the Green Industry Act and the ELTIF 2.0 regulation) have allowed us to expand our product range, which now includes investments in SMEs, infrastructure, real estate, and private debt, and is open to as many people as possible.

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