Zurich Term Death Benefit Protection With Options

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1 Zurich Term Death Benefit Protection With Options Offered by Zurich American Life Insurance Company Zurich Term life insurance provides death benefit protection plus a contractual right to convert to any of Zurich s permanent products, even the Zurich Survivor Index UL. Zurich Term Protection: Three Term Durations: 10 Year, 15 Year and 20 Year Convert to ANY Zurich permanent product, including the Zurich Survivor Index UL until the earlier of attained age 75 or the 5th policy anniversary Innovative underwriting capabilities with up to $20 million of per life retention This product is designed to target high earned-income individuals who are seeking temporary death benefit protection with the flexibility of converting to a permanent policy in the future. For more information, contact your Zurich American Life Insurance Company BGA today! Premiums are guaranteed to remain level during the duration selected, and then increase annually thereafter to age 95 when coverage ends.

2 Zurich Term: At-a-Glance Death Benefit Protection with Options Offered by Zurich American Life Insurance Company Individual Term Life Insurance Policy Zurich Term provides valuable death benefit protection with level premiums available in three durations 10, 15 and 20 years. Premiums are guaranteed for the level premium period selected. The policy will automatically renew each year on the anniversary of the Policy Date if the premiums have been paid and without evidence of insurability. Zurich s Term product provides a contractual right to convert to any Zurich permanent product until the earlier of attained age 75 or the fifth policy anniversary, including the Zurich Survivor Index UL TM. Premiums Visit for premium rates. Conversion Privilege Premiums for the products will vary by age, gender, underwriting class, and level premium period: 10 Year Term (a) Level for 10 years (b) Premiums increase annually beginning in year 11 to expiration (attained age 95) 15 Year Term (a) Level for 15 years (b) Premiums increase annually beginning in year 16 to expiration (attained age 95) 20 Year Term (a) Level for 20 years (b) Premiums increase annually beginning in year 21 to expiration (attained age 95) Contractual right for policy owner to convert to any permanent policy made available by the Company within the first five policy years. The maximum conversion age: 75 No underwriting required if the exchange is to a permanent policy with the same or lower face amount New policy issued at the same risk class as the term policy, if available If same class is unavailable at the time of conversion, new policy is issued at the risk class that is most similar to the risk class of the term policy Actual premiums on the new policy are based on the schedule in effect when the option is exercised To qualify for a better risk class, evidence of insurability is required A partial conversion is allowed provided that the remaining Level Term policy has a minimum Specified Amount of $2.5 million To be converted into one Zurich Survivor Index UL policy with a Specified Amount up to two times the lesser amount without evidence of insurability

3 Minimum Specified Amount Changes in Specified Amount Policy Fee $2,500,000 Specified Amount increases Will not allow increases in Specified Amounts Specified Amount decreases The minimum decrease amount is $25,000 The new Specified Amount must be at least $2,500,000 No changes allowed in the first three policy years One change allowed during the policy lifetime $90 annual fee Maximum Special Risk Class Substandard Ratings: Up to Table 8 Flat Extras Riders Flat extras up to $20.00 per $1,000 of Specified Amount on permanent and temporary basis Not available 10 Year Term Risk Classification Gender Issue Ages Preferred Best Non-Tobacco Male, Female, Unisex Preferred Non-Tobacco Male, Female, Unisex Standard Plus Non-Tobacco Male, Female, Unisex Standard Non-Tobacco Male, Female, Unisex Preferred Tobacco Male, Female, Unisex Standard Tobacco Male, Female, Unisex Year Term Risk Classification Gender Issue Ages Preferred Best Non-Tobacco Male, Female, Unisex Preferred Non-Tobacco Male, Female, Unisex Standard Plus Non-Tobacco Male, Female, Unisex Standard Non-Tobacco Male, Female, Unisex Preferred Tobacco Male, Female, Unisex Standard Tobacco Male, Female, Unisex Year Term Risk Classification Gender Issue Ages Preferred Best Non-Tobacco Male, Female, Unisex Preferred Non-Tobacco Male, Female, Unisex Standard Plus Non-Tobacco Male, Female, Unisex Standard Non-Tobacco Male, Female, Unisex Preferred Tobacco Male, Female, Unisex Standard Tobacco Male, Female, Unisex 18-65

4 Zurich Term Death Benefit Protection with Options Offered by Zurich American Life Insurance Company Zurich s Term life insurance product provides your client with the contractual right to convert to any Zurich permanent product until the earlier of attained age 75 or the 5th policy anniversary, even the Zurich Survivor Index UL TM. Converting two Zurich term policies to the Zurich Survivor Index UL: Up to two times the lesser amount without evidence of insurability. Example #1 Husband and Wife with Two Zurich Term Policies with Equal Face Amounts: Husband $5,000,000 Wife 15 Year Zurich Term $5,000,000 Convert with no evidence of insurability One Zurich Survivor Index UL policy $10,000,000 Example #2 Two Business Partners with Two Zurich Term Policies with Unequal Face Amounts: Partner #1 $5,000,000 Partner #2 $3,000,000 Convert with no evidence of insurability One Zurich Survivor Index UL policy $6,000,000 ($3,000,000 x 2) Example #3 Husband with Zurich Term Policy, Wife Uninsurable: Husband $10,000,000 Wife Uninsurable Husband: No evidence of insurability Wife: evidence required One Zurich Survivor Index UL policy $10,000,000 For Agent and Broker Information Only. Not for Use with Clients or the Public

5 Zurich Term State Approval Chart Offered by Zurich American Life Insurance Company as of 10/14/2013 State Approval Date 1 Alabama 09/12/13 2 Alaska 09/12/13 3 Arizona Exempt 4 Arkansas 09/12/13 5 California Pending approval 6 Colorado 09/12/13 7 Connecticut Pending approval 8 Delaware Pending approval 9 District of Columbia Pending approval 10 Florida Pending approval 11 Georgia 09/12/13 12 Hawaii 09/12/13 13 Idaho 09/12/13 14 Illinois 09/12/13 15 Indiana 09/12/13 16 Iowa 09/12/13 17 Kansas 09/12/13 18 Kentucky 09/12/13 19 Louisiana 09/12/13 20 Maine 09/12/13 21 Maryland 09/12/13 22 Massachusetts 09/12/13 23 Michigan 09/12/13 24 Minnesota 09/12/13 25 Mississippi 09/12/13 26 Missouri 09/12/13 27 Montana Pending approval State Approval Date 28 Nebraska 09/12/13 29 Nevada 09/12/13 30 New Hampshire 09/12/13 31 New Jersey 09/12/13 32 New Mexico 09/12/13 33 New York Not Filed* 34 North Carolina 09/12/13 35 North Dakota Pending approval 36 Ohio 09/12/13 37 Oklahoma 09/12/13 38 Oregon 09/12/13 39 Pennsylvania 09/12/13 40 Rhode Island 09/12/13 41 South Carolina 09/12/13 42 South Dakota Pending approval 43 Tennessee 09/12/13 44 Texas 09/12/13 45 Utah 09/12/13 46 Vermont 09/12/13 47 Virginia 09/12/13 48 Washington 09/12/13 49 West Virginia 09/12/13 50 Wisconsin 09/12/13 51 Wyoming 09/12/13 Visit for updates *Zurich Term in New York pending approval by Zurich American Life Insurance Company of New York. For Agent and Broker Information Only. Not for Use with Clients or the Public

6 Limitations apply. Please see Zurich Term At-a-Glance for details. The relationship between the insureds on the two term policies must comply with the relationship requirements for the Zurich Survivor Index UL, which includes that the maximum age difference allowed between the Joint Insureds is 20 years. Premiums are guaranteed to remain level during the duration selected, and then increase annually thereafter to age 95 when coverage ends. Zurich American Life Insurance Company Administrative Office: 7045 College Boulevard, Overland Park, Kansas The terms and conditions for the Individual Term Life Insurance Policy are set forth in policy form number ICC13-TLLP-01 or applicable state variation. The terms and conditions for the Flexible Premium Adjustable Survivorship Life Insurance Policy with Index-Linked Interest Options are set forth in policy form number ICC11- SUIL or applicable state variation. The policies are issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1400 American Lane, Schaumburg, IL The policies are subject to the laws of the state where they are issued. This material is a summary of the product features only. Please read the policy carefully for details. Certain coverages may not be available in all states and policy provisions may vary by state Zurich American Life Insurance Company A A (10/13)

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