Green Operations
Electronic Services
Environmental awareness and the advancement of digital technologies are transforming the nature of financial products and services. To provide more eco-friendly and convenient green services for policyholders, KGI Life promotes the use of digital marketing tools, E-forms and platform services, and internal electronic processes. These efforts aim to reduce paper usage, mailing, and transportation-related greenhouse gas emissions, encouraging policyholders to jointly protect the planet.
Digital Marketing Tools
- Group Insurance Online Service Platform
- Mobile Application APP
e-Forms and
Platform Services
- e-Notification
- e-Notices
- E-Services & App
- Electronic Insurance Policy
- Mobile policeholder services (iPOS)
- Mobile claims and claims alliance chain
e-Management
- Electronic Official Document System
- Electronic Procurement System
Environmental and Energy Management Policy
KGI Life continues to conduct its GHG inventory review and introduce environmental and energy management systems to implement environmental management and energy management systems, systematically improving the management of environment-related resources, and implementing concrete management mechanisms.
Greenhouse Gas Management
Since the launch of ISO 14064-1 Greenhouse Gas Inventory in 2015, KGI Life has passed third-party verification every year, and inventory and verification covered all domestic and overseas operating locations. In 2024, total Category 1 and Category 2 greenhouse gas emissions amounted to 6,300.6712 tons CO₂e, representing an 8.59% reduction compared to the previous year. The emission intensity in 2024 was 0.02373 tons CO₂e/NT$ million, a 19.9% decrease from the prior year.
2015
Initiated greenhouse gas inventories for the headquarters and major branches.
2018
Gradually expanded the inventory scope, incorporating Category 3 and Category 4.
2020
Expanded the boundary of annual greenhouse gas inventories to include all branches.
2022
Included all overseas locations in the greenhouse gas inventory.
2023
Added all agencies and HQ/agency cafeteria natural gas data; 100% of service locations covered.
GHG inventory covers HQ, branches, all agencies, and overseas; 100% of the service scope.
GHG inventory covers HQ, branches, all agencies, and overseas; 100% of the service scope.
2024
Continued to follow Science-Based Targets (SBTs) and implemented the carbon emission reduction plan for offices and agencies.
Energy Consumption Management
KGI Life headquarters continued to implement the ISO 50001 Energy Management System, enhancing energy control mechanisms and improving equipment uptime and downtime management. This effort promoted energy conservation, carbon reduction management, and efficient energy use, and enabled the building to pass third-party verification.
| Summary | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|
| Non-renewable Energy (kWh) | 12,220,468 | 13,163,506 | 13,124,069 | 12,782,626 | 11,437,507 |
| Renewable Energy (kWh) | 0 | 48,452 | 145,858 | 1,012,902 | 2,498,256 |
| Total Energy Consumption (GJ) | 43,993.7 | 47,563.1 | 47,771.7 | 46,181 | 50,168.7 |
| Revenue (NT$ Million) | 323,248 | 300,244 | 239,766 | 232,723 | 265,451 |
| Energy Intensity (kWh/NT$ Million) | 37.81 | 44.00 | 55.34 | 55 | 52.49 |
| Scope of Inventory | 9 workplaces, including the headquarters/branches. | 10 workplaces, including the new headquarters and branches. | Covers all company locations (52 locations in Taiwan and 1 overseas location). | ||
| Scope of Inventory | 9 workplaces, including the headquarters/branches. | 9 workplaces, including the headquarters/branches. | 10 workplaces, including the new headquarters and branches. | Covers all company locations | Covers all company locations |
Renewable energy consumption includes 2,289,732 kWh of wheeling of green energy at KGI Life’s headquarters, 166,075 kWh of surplus green power, and 42,449 kWh of green power generated for self-use.
Renewable Energy Certificates
The solar panels installed at KGI Life’s headquarters operate under a 100% self-generation and self-consumption model, with commercial operation beginning in June 2020. By the end of 2024, the system had generated a total of 178,000 kWh of green power and obtained 142 certificates from the National Renewable Energy Certification Center. In 2024, power generation reached 42,000 kWh, substantially supporting the development of renewable energy.
To achieve net-zero operation by 2040, we have initiated the green power procurement for the headquarters and shared the cost with tenants who participated in green power procurement to achieve green operations and manage carbon emissions. Since the transition to green power in December 2022, KGI Life has used 2.289 million kWh of green power as of the end of 2024.
To achieve net-zero operation by 2040, we have initiated the green power procurement for the headquarters and shared the cost with tenants who participated in green power procurement to achieve green operations and manage carbon emissions. Since the transition to green power in December 2022, KGI Life has used 2.289 million kWh of green power as of the end of 2024.
Internal Carbon Pricing Mechanism
KGI Life follows the internal carbon pricing mechanism of its parent company, KGI Financial Holdings. Shadow pricing is adopted as an internal reference, which is divided into carbon pricing for operations and investments and financing. In terms of operations, the focus is on enhancing energy efficiency and planning financial strategies such as renewable energy adoption and carbon offsets, aiming to reduce emissions across the operational value chain. For investment and financing, we are encouraged to consider climate factors in risk assessment and decision-making through cost-benefit analysis and stress testing, thereby identifying and seizing low-carbon opportunities and promoting low-carbon investments.
The internal carbon price for KGI Life’s operations is set at NT$3,990 per ton, based on the 2023 green electricity price differential established by the Group. This price is used to calculate the implicit cost of Scope 1 and Scope 2 emissions for 2024. Emissions are managed systemically to support the evaluation and planning of low-carbon transition actions across capital expenditure, operations, procurement, and risk management. This mechanism is implemented throughout all operating locations of the Company through emission reductions and performance linkage.
For investment and financing positions, carbon pricing is based on future carbon price projections provided by the Network for Greening the Financial System (NGFS), which comprises central banks and financial supervisory authorities from major countries. The REMIND-MAgPIE model is used to estimate the carbon prices per ton, which is adjusted annually based on the year and inflation. Carbon prices serve as a reference for managing risks for investment and financing (Scope 3). We plan to conduct engagement with high-emission industries.
The internal carbon price for KGI Life’s operations is set at NT$3,990 per ton, based on the 2023 green electricity price differential established by the Group. This price is used to calculate the implicit cost of Scope 1 and Scope 2 emissions for 2024. Emissions are managed systemically to support the evaluation and planning of low-carbon transition actions across capital expenditure, operations, procurement, and risk management. This mechanism is implemented throughout all operating locations of the Company through emission reductions and performance linkage.
For investment and financing positions, carbon pricing is based on future carbon price projections provided by the Network for Greening the Financial System (NGFS), which comprises central banks and financial supervisory authorities from major countries. The REMIND-MAgPIE model is used to estimate the carbon prices per ton, which is adjusted annually based on the year and inflation. Carbon prices serve as a reference for managing risks for investment and financing (Scope 3). We plan to conduct engagement with high-emission industries.
Environment Management
KGI Life's headquarters incorporates environmental friendliness, energy conservation, and carbon reduction into its site planning and interior equipment design, growing plants, conserving water and energy, and obtaining a gold-level green building label.
Environment-Friendly Monitoring
In order to minimize the impact on the environment during the construction period, we conduct quarterly environmental monitoring on air quality, noise and vibration, traffic flow, water discharge, and construction noise during the construction of the development project, as well as carry out tree preservation operations and submit them to the Environmental Protection Bureau of the Environmental Protection Administration (EPB) for inspection. The monitoring results are all in compliance with the standards, which effectively minimize the impact on the environment.
Environment-Friendly Monitoring
In order to minimize the impact on the environment during the construction period, we conduct quarterly environmental monitoring on air quality, noise and vibration, traffic flow, water discharge, and construction noise during the construction of the development project, as well as carry out tree preservation operations and submit them to the Environmental Protection Bureau of the Environmental Protection Administration (EPB) for inspection. The monitoring results are all in compliance with the standards, which effectively minimize the impact on the environment.
Amount of Greening
Greening with localized multi-layered eco-planting, shaping the ecological urban environment, providing biodiversity possibilities, mitigating the urban heat island effect and the global warming crisis.
Water Retention of Building Site
Set greenery vegetation and garden soil to retain water. Through the building’s well and drain design, water is funneled to the water storage stank instead of being released into the public drain system.
Daily Energy-Saving
The HQ building has an optimized energy saving design which automatically adjusts sunlight entry angle to reduce hear ray penetration, thereby reducing a/c energy use. When there is no sunlight, the blinds are automatically opened to let in sunlight. Illumination setting is automatically adjusted based on the amount of natural light. All public spaces within the HQ building have high performance LED lighting and electronic stabilizers to reduce illumination energy use.
Ventilation Energy-Saving Technology
The chillers have strategic automatic control, with energy-saving ventilation through inverter continuously variable technology, while the water delivery system uses variable control. The cooling tower uses a wet-bulb temperature control and is connected to a central energy monitoring management system, which integrates energy records from different facility records and control functions, enabling a balanced ventilation system that delivers performance.
Continuous Purchase of Green Buildings
Purchased the Asia Pacific Building in 2021, which acquired silver green building certification. We launched renewal project for our Tatung Building in 2022 and incorporated gold green building and shockproof designs, with green building candidate certification acquired in October of the same year.
