Corporate customers

DBA Accident and Natural Causes Life Wraparound

Jason JobeVP Corporate Life & Pensions North America

Ted KlingesAccident & Health Regional Sales Manager

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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

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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.

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-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

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-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

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

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*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 WorkersCompensation

Group Life

Travel Assistance Services

Accidental Death & Business Travel Accident

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.

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Integration to

mitigate your risk

Foreign WorkersCompensation

Group Life

Travel Assistance Services

Accidental Death & Business Travel Accident

CLP NA SalesMatt Marmorek917-534-4689 Office347- 267-5808 Cellmatt.marmorek@zurichna.com

CLP NA ManagementJason Jobe917-534-4608 Office646-404-4538 Celljason.jobe@zurichna.com

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A&H SalesTed Klinges215-861-6637 Office215-518-4160 Celledward.1.klinges@zurichna.com

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THANK YOU

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