Key Service Overview (Core Features)

1. Financial Services in One
With Kyobo Life Insurance's new financial and integrated asset management platform, you can access everything from insurance to retirement pensions, loans, funds, trusts, and MyData with a single sign-up and login.

2. Services Open to Everyone
A simple sign-up process allows you to become a digital member, and anyone, regardless of membership, can enjoy a variety of services beyond financial services, including culture, art, books, and health.

3. Contract Information at a Glance
You can now view and process your insurance, retirement pensions, loans, trusts, and funds on a single screen.

4. Claim Your Own and Third-Party Insurance at Once
You can easily file claims for not only your own insurance policies, but also third-party insurance policies using mobile photos.

5. Consistent Services Anywhere
You can access the same services anywhere through three digital channels (PC web, mobile web, and app).

6. Diverse and Convenient Authentication and Security
Simple password, biometrics (fingerprint (for Android), Face ID (for iPhone)),
Kakao Pay, Toss, Naver, Finance, and Joint Certificates are provided, and financial security has been further strengthened with digital OTP and security cards.
○ App Access Permissions
- The following information explains the access permissions used by the app.

7. Integrated Asset Management MyData
Financial and non-financial asset information scattered across various financial institutions is now available in one place. A financial assistant that manages your financial schedule is at your fingertips. Retirement preparation status is at a glance. Integrated asset management has become easier with MyData.

8. From "Building My Library" with Kyobo,

to short-form reading that anyone can enjoy,

to forming a fail-safe reading habit,

Start reading with Kyobo, the world's easiest.

[Required Access Permissions]

- Phone Number: This permission is used to make calls and manage the app. This permission is used to verify app forgery prevention and log in history.

- Storage: This permission is used to access device photos, media, and files. This permission is used for joint certificate logins and transfers.

- List of installed apps: The Kyobo Life app collects, uses, and shares information about installed apps on your smartphone to prevent electronic financial transaction incidents such as voice phishing and malicious apps. (If an app requiring caution is detected, Kyobo Life app use is restricted.)
※ Required access permissions are essential for using Kyobo Life. Failure to grant these permissions will result in restricted service use.
※ Kyobo Life does not, in principle, collect any private information that may infringe on customer privacy. If necessary, Kyobo Life obtains separate consent from the customer and uses such information only for the purpose for which consent was given.

[Optional Access Permissions]

- Camera, Photos: Permission to take photos and access device photos, media, and files. This permission is used for document photography, such as when applying for accident insurance, signing up for IRP, or using user photos in Financial MyData. It also allows for document scanning, ISBN barcode scanning, and bookshelf photography when using the library service.

※ You can still use the app without consenting to optional access permissions, but some services may be restricted.

※ You can consent to and withdraw access permissions by going to "Settings > Applications > Kyobo Life > Permissions."

○ Please note that data charges may apply when downloading and using the app on 3G/LTE networks.

○ Using mobile financial services on public wireless networks may be risky.

○ We will continue to provide diverse and convenient services through continuous updates.