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"The negotiations were in final stages," NHK said, adding that three insurance companies that hoped to reach an agreement basis in early January so that they can immediately operate the business under a single holding company next year.They also consider the merger as a whole in the future as part of a concerted effort to strengthen its operations and address the global financial crisis."If the merger occurs, the new business group that will form the non-life insurance companies in the country's largest insurer with total revenues of 2.7 trillion yen (30 billion dollars), on top of the company's largest non-life insurance today, Tokio Marine Holdings, "NHK said.