Corporate customers DBA Accident and Natural Causes Life Wraparound Jason Jobe VP Corporate Life & Pensions North America Ted Klinges Accident & Health Regional Sales Manager

2 The multinational business environment – the need International Expansion into High-Risk Territories Building infrastructure Consultation International Growth Expanding Global Mobility Short Term Travel Short/Long Term project assignments Long Term Expatriate / TCN assignments

3 The multinational business environment – the need Duty of Care A requirement that a corporation act toward employees and the public with watchfulness, attention, caution and prudence of that of a reasonable person. Employers have a duty to protect their employees while traveling and an obligation for the health, safety and security of their employees and contractors. 75% of companies today say that their employees had experienced a medical emergency while on a trip. Yet more than 50% said those employee had lack of access to health care.

4 Foreign Workers Compensation Group Life AD&D and Business Travel Accident Travel Assistance Services Before “Coordinated but not integrated” -Not all employees are covered for equitable amounts of insurance, leading to a risk exposure -Multiple points of employee contact for different coverages -DBA coverage alone does not provide coverage 24 hours a day -Potential public relations crisis if LCN/TCN employee dies without equitable benefits comparable to US counterparts -Uncoordinated Underwriting -Gray areas in coverage (ex. Identifying a zone of special danger) -Inefficiency due to different ways of getting each coverage (different carriers, brokers, etc.) -Multiple intake channels, leading to confusion and potentially failing to identify a claim correctly The current problem

5 -Coordinated Underwriting taking into account all Zurich capabilities, leading to competitive rates -24-hour coverage: regardless of the type of event and where it takes place, a Zurich coverage will apply to it -Zurich Travel Assist services available 24/7/365 -Coordination of benefits leading equitable coverage for all employee benefit risks -One single point of employee contact -One Zurich: One point of contact for the employer for multiple benefits, administrative capabilities After “Integrated” DBA Wraparound: a solution Foreign Workers Compensation Group Life Travel Assistance Services AD&D and Business Travel Accident

DBA Wraparound: Extended Protection for Your Employees Q : Why extend DBA coverage? A: There could be gaps in your current coverage. Inequitable amounts of insurance for some employees DBA coverage alone doesn’t provide coverage 24 hours a day Coverage might not apply outside of “Zones of Special Danger” Q: How can Zurich help to address these gaps? A: The Zurich multiline approach combined with emergency assistance helps to address your foreign-based employees. Workers compensation Accident coverage Natural-causes life with coverage for suicide Emergency evacuation Q: What are some of the features of this offering? A: There are many. One single point of employee contact One employer point of contact for multiple benefits and administrative capabilities Competitive rates through a coordinated underwriting approach Zurich Emergency Travel Assist available 24/7/365 6 *Applicable exclusions for commission of a crime/felony, participation in a riot or terrorist act would apply. DBA and Accident coverages are underwritten by Zurich American Insurance Company. Life coverage is underwritten by Zurich American Life Insurance Company. ©2012 Zurich American Life Insurance Company and Zurich American Insurance Company Integration to mitigate your risk Foreign Workers Compensation Group Life Travel Assistance Services Accidental Death & Business Travel Accident

Integrated & Coordinated Plan Design and Pricing Plan Design Flexible design, rich - limited noncontributory funding options. Separate classes of benefit options. (e.g. US Nationals and TCNs 1X annual earnings, LNs flat $10,000.) Natural Death Only benefit mirrors the non-DBA Accidental Death benefit. Pricing Pricing with less than perfect information. Pricing calculates the cost for full death benefits, then removes the full risk of accidental death from that calculation. 7 Integration to mitigate your risk Foreign Workers Compensation Group Life Travel Assistance Services Accidental Death & Business Travel Accident

CLP NA Sales Matt Marmorek Office Cell CLP NA Management Jason Jobe Office Cell 10 A&H Sales Ted Klinges Office Cell

9 THANK YOU 9