Four major non-life insurance companies ordered to improve operations due to pre-adjustment of insurance premiums Financial Services Agency. Four companies were suspected of pre- adjusting insurance premiums for companies through "co-insurance," in which risks are shared and underwritten. The FSA will continue to request reports on the implementation status of improvement plans by each company in order to correct the practices that have continued in the non- life insurance industry and strengthen the business management system to prevent recurrence. This is the first time in 26 years that four majorNonLife insurance companies have been ordered to. improve their operations.