When you buy a home in Japan, you are building a sanctuary for your family. Part of that sanctuary is "Danshin" (Group Credit Life Insurance). It is designed to clear your mortgage balance in the event of death or serious disability. But for many expats, the first hurdle is a complex medical disclosure form entirely in Japanese. Misinterpreting a medical term or overlooking a past condition can have devastating consequences. If a claim is made later and the bank finds a "duty