In this world, some changes do not begin because resources are sufficient. They begin because the meaning is enough.
In 2024, BNP Paribas Cardif TCB Life and Hua Nan Bank decided to take this step together. Not an activity that merely "looks like ESG," but something close to everyday life: through mortgage life insurance, the warmth of starting a home extends into the power to light up rural families.
DOMI Earth is honored to be the implementation partner on this journey, working with the two companies so that a policy that protects one home can also light another.
A Mortgage Life Insurance Policy Can Be More Powerful Than You Think
Most people think of mortgage life insurance as protecting their own family's safety and assets. But BNP Paribas Cardif TCB Life and Hua Nan Bank decided on something more:
Every policy lights up one more rural household. Through this joint mortgage life insurance program, NT$400,000 was invested in 2024 to improve lighting and home safety for disadvantaged rural households.
That NT$400,000 bought real, visible change:
- Estimated electricity savings: 16,092 kWh per year
- Estimated carbon reduction: 7,966 kg per year
- Better lives and more dignity for dozens of disadvantaged rural families
Uncle Achin, 92, from a tribal community in Datong Township, Yilan, described the change in plain words:
"The house is brighter now, and it feels like I've become younger too." "It used to be dark, and my heart felt dark too. Now it's bright, and my heart is more at ease."
For DOMI Earth, sustainability has never been a grand slogan. It is a light, a measure of safety, a family feeling that life has gotten better.
2025: The Three Parties Commit More, Amplifying the Impact for Shared Good
In 2025, BNP Paribas Cardif TCB Life and Hua Nan Bank announced an expansion of resources so that more disadvantaged rural families can replace their lights with energy-saving ones, improving home safety and quality of life. In an age when ESG is increasingly fashionable, the two companies chose a more meaningful direction:
- Not for ESG ratings
- Not for awards
- But to respond to real needs in society
This way of thinking is the core spirit of Purpose, which DOMI Earth has always promoted.
"One Home Connects Another": DOMI Earth's Role and Original Intent
The "DOMI" in DOMI Earth comes from the Latin domus, meaning home. That gives this three-party collaboration a deeper meaning:
By protecting your own home, you also light up someone else's. This is how DOMI Earth believes in doing sustainability: with every real action, bring a little more light to the world.
This project is also the best example of DOMI Earth's "Purpose × Sustainability Journey" methodology:
- Beneficiary: Start from the needs of people, not from indicators.
- Community: Not just a corporate action, but a model of shared good among three parties and co-creation across an ecosystem.
- Tech Utilization: Use energy-saving technology to improve lives, returning technology to its original meaning: serving people.
True Sustainability Lets an Existing Product Grow Meaning
If we had to describe this program, we would say: this is not charity. It is business returning to its proper purpose. It turns protection into impact, and the wish to build a home into the power to light another. When a company lets its product carry more meaning, it creates real sustainable value.
This framework is drawn from the Adaptive Game Changers Transition Institute white paper "From ESG Puzzle to Sustainability Journey" and the DOMI Earth Global Journey Model 2025.
Frequently asked questions
- How does BNP Paribas Cardif TCB Life and Hua Nan Bank's "Light Up Infinite Hope" program work?
- Through a joint mortgage life insurance program, the two companies make every policy light up one more rural household. In 2024 they invested NT$400,000 to improve lighting and home safety for disadvantaged rural households.
- What concrete environmental and social benefits does it bring?
- The 2024 investment is estimated to save 16,092 kWh of electricity and cut 7,966 kg of carbon emissions each year, and to improve the lives and dignity of dozens of disadvantaged rural families. In 2025 the two companies expanded their investment so more families could replace their lights with energy-saving ones.
- Why is this not a conventional ESG activity or charity?
- Because it is not for ratings or awards. It lets the company's core product, mortgage life insurance, grow meaning, turning protection into impact and responding to real needs in society.
- What is DOMI Earth's role in the program?
- DOMI Earth is the implementation partner. Using its "Purpose × Sustainability Journey" methodology, it works with the two companies, from a beneficiary-led and community-led approach to people-centered technology, to turn resources into visible, real change for rural families.