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Links to Group Companies

Tokio Marine & Nichido

Nisshin Fire

Tokio Marine & Nichido Life

Tokio Marine & Nichido Financial Life

14

(As of April 30, 2008)
Rating Agencies Object Tokio Marine HD Tokio Marine
&Nichido		 Nisshin Fire & Marine Tokio Marine & Nichido Life Tokio Marine & Nichido Financial Life
S&P Insurer Financial Strength Rating - AA A+ AA -
Moody's Insurer Financial Strength Rating - Aa2 - - -
R&I Senior Long-term Credit Rating - AA+ AA - -
Insurance Claims Paying Ability - - - AA+ AA+
JCR Long-term Rating AAA AAA - AAA -
Insurance Claims Paying Ability - - - AAA -
A.M. Best Best's Rating - A++ - - --
Fitch Insurer Financial Strength - AA+ - - -
For definitions of the above credit ratings, please reffer to the web-site of each credit rating agency.