At the time, minorities paid higher premiums and had access to fewer types of insurance than white people.
[1] Kagawa worked to offer insurance at the same rate to everyone, and started the Occidental Underwriters of Hawaii in 1933.
[4] He also worked with Kazuaki Tanaka, Shigeru Horita, and Eiichi Kishida to start a department store in Honolulu in 1940.
Kagawa registered his company to operate in Japan, where he sold life insurance to Americans living there.
He also founded Central Pacific Bank alongside Koichi Iida.