Global vision financial solutions. Zurich International Life

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1 Global vision financial solutions Zurich International Life

2 Why Zurich? Zurich Insurance Group is a leading multi-line insurance provider with a global network of subsidiaries and offices. With about 60,000 employees, we deliver a wide range of general insurance and life insurance products and services for individuals, small businesses, and mid-sized and large companies, including multinational corporations, in more than 170 countries. We are a global insurer with superior financial strength, a talented workforce and a highly valued brand. We apply these strengths to help our individual, commercial and corporate customers understand and protect themselves from risk. Acting as one team with one purpose we take a global approach to resources and capabilities. We have the flexibility and speed to adapt our product and geographic mix to meet changing market conditions. We deliver what matters when it matters through three core business segments General Insurance, Global Life, and Farmers. 2

3 Our values Our values shape our culture and define who we are. They are also a key differentiating factor in an increasingly competitive industry. Our commitment to integrity, customer centricity, sustainable value creation, excellence and teamwork fosters trust with our shareholders and our customers. They are not merely aspirations or fondly held ideals but can be seen every day in the way we conduct our business and in our dedication to being a responsible corporate citizen. Strength Financial strength rating A financial strength rating is a third-party assessment of an insurance company s financial security, based on its ability to meet policy owner claims. A prudent and focused strategy has earned Zurich Insurance Company Ltd an AA-/stable rating by Standard and Poor s as of September An insurer rated AA has very strong financial security characteristics. Rating agency Financial strength rating Rating outlook Standard & Poor s AA- Stable Moody s Aa3 Stable A.M. Best A+ Stable For the latest ratings, please refer to 3

4 Our business is insurance We divide our business into three main segments: Global Life, General Insurance and Farmers. Global Life Through Global Life we help our individual, commercial and corporate customers feel confident about their financial futures by offering leading life insurance, savings, investment and pensions solutions. We deliver financial protection when our customers need it most. We help individual customers prepare for the future and corporate customers attract and retain the best talent through the provision of attractive employee benefit packages. We have a strong presence in many of the world s largest and fastest-growing markets. We deliver a wide range of protection and savings propositions through agents, banks, brokers and employee benefit consultants to our 21 million individual and corporate customers. Every business decision we take is made with the strength of our balance sheet in mind, as ultimately this strength ensures that we will be there for our customers when they need us most. It is with this attention on the customer and financial discipline that we formulate our strategy. Our strategy focuses on superior market insight to develop and evolve market-leading unit-linked and protection propositions that are relevant to today s marketplace. We use a global approach that can be adapted for local needs as we work with our distribution partners and corporate customers across multiple markets. General Insurance General Insurance is the segment through which the Group provides motor, home and commercial products and services for individuals, small and large businesses. Farmers Farmers includes Farmers Management Services which provides non-claims management services to the Farmers Exchanges (which we do not own), as well as the Foremost and 21st Century brands in the United States, and Farmers Re. Our Mission Our Mission is to help our customers understand and protect themselves from risk. Our Ambition Our Ambition is to be the best global insurer as measured by our customers, employees and shareholders. 4

5 Zurich International Life Zurich International Life is part of the Zurich Insurance Group, offering life insurance, investment and protection solutions throughout the world. We ve been operating in international markets around the globe for many years. As a major player in the provision of international financial solutions, we ve developed our knowledge and understanding of key markets. This enables us to meet the goals of our customers and business partners with individually tailored financial solutions that are both flexible and portable*. Zurich International Life supply our individual savings, investment and protection products. We have established branches in Bahrain, Hong Kong, Qatar, Singapore, Taiwan and the United Arab Emirates, with regulated activities in the Channel Islands, the Isle of Man and Switzerland. Delivering to your needs We address the needs of individual customers and provide solutions for expatriates and internationally minded investors. We are committed to providing a stable, secure and profitable base for your money. Our approach is to create flexible policies that continue to meet your financial objectives, even if your circumstances change. Our products and services 1. Individual savings and investments With our individual savings and investment policies, you can save regularly and/or on an ad hoc basis whatever your goal may be. 2. Protection policies Our protection policies can offer financial protection to you, your family or your business in the event of illness or death. For more information about our full range of products, please contact your relevant financial professional. *Subject to our current business acceptance rules. We understand your requirements for peace of mind and need for good, tax-efficient financial planning. Looking to the future Providing products and services, no matter how high the quality, is not enough. We make sure that our business is following a planned and systematic evolution toward greater effectiveness and efficiency. At the same time, we remain committed to constantly evaluating change in our environment so that we are prepared for tomorrow. 5

6 Zurich International Life branches Abu Dhabi Apt 302, 3rd Floor, Al Otaiba Building, P.O. Box 26904, Airport Road, Abu Dhabi, United Arab Emirates. Telephone Telefax Bahrain P.O. Box 10032, 27th Floor, Almoayyed Tower, Seef District, Kingdom of Bahrain. Telephone Telefax Dubai P.O. Box 50389, Level 4, Building 3, Emaar Square, Dubai, United Arab Emirates. Telephone Qatar P.O. Box 26777, 404 Fourth Floor, Qatar Financial Centre Tower, West Bay, Doha, Qatar. Telephone Telefax Singapore Singapore Land Tower #29-05, 50 Raffles Place, Singapore Telephone Telefax Taiwan 7th Floor, 56 Tun Hwa North Road, 10551, Taipei, Taiwan, Republic of China. Telephone Telefax Toll free phone Hong Kong 22/F, C-Bons International Centre, 108 Wai Yip Street, Kwun Tong, Kowloon, Hong Kong. Telephone Telefax

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8 Important information Zurich International Life is a business name of Zurich International Life Limited. Zurich International Life Limited is fully authorised under the Isle of Man Insurance Act 2008 and is regulated by the Isle of Man Government Insurance and Pensions Authority which ensures that the company has sound and professional management and provision has been made to protect policy owners. For life assurance companies authorised in the Isle of Man, the Isle of Man s Life Assurance (Compensation of Policyholders) Regulations 1991, ensure that in the event of a life assurance company being unable to meet its liabilities to its policy owners, up to 90% of the liability to the protected policy owners will be met. The protection only applies to the solvency of Zurich International Life Limited and does not extend to protecting the value of the assets held within any unit-linked funds linked to your policy. Not for sale to residents or nationals of the United States including any United States federally controlled territory. Zurich International Life Limited (Singapore branch) is registered by the Monetary Authority of Singapore to conduct life insurance business in Singapore. Member of the Life Insurance Association of Singapore. Member of the Singapore Financial Dispute Resolution Scheme. Zurich International Life Limited is registered in Bahrain under Commercial Registration No Zurich International Life Limited is authorised by the Qatar Financial Centre Regulatory Authority. Zurich International Life Limited is registered (Registration No. 63) under UAE Federal Law Number 6 of 2007, and its activities in the UAE are governed by such law. Calls may be recorded or monitored in order to offer additional security, resolve complaints and for training, administrative and quality purposes. MSP10047 (133121A05) (10/13) RRD Zurich International Life Limited provides life assurance, investment and protection products and is authorised by the Isle of Man Government Insurance and Pensions Authority. Registered in the Isle of Man number 20126C. Registered office: Athol Street, Douglas, Isle of Man, IM99 1EF, British Isles. Telephone Telefax Zurich International Life Limited acting through its Singapore branch at Singapore Land Tower #29-05, 50 Raffles Place, Singapore Telephone Telefax Registered in Singapore No. T05FC6754E.