Zurich Select Index UL - Optional Guarantees up to Age 100

Zurich Select Index UL

Optional Guarantees up to Age 100

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It certainly has been an interesting year - with a significant amount of uncertainty both in our industry and our lives overall. I hope this e-mail finds you and your family well.

As we have seen, some carriers were left with little choice but to exit the NLG market, while others have needed to continually increase pricing. I wanted to take a moment to remind you about our Zurich Select IUL, which offers cash value and guaranteed death benefit options up to age 100.

Take a look at a recent competitive flyer to see how the Zurich Select IUL stacks up to its peers.

Also please take a moment to watch Jimmy Trujillo and me battle in our first brief "Did You Know" session on the Select IUL - with a little twist at the end!

Lastly, I would love an opportunity to host a 15 to 30 minute session for you, your sales team, and/or your advisors to provide insights on the NLG/IUL market along with some sales ideas. Please send me an inquiry with some times and dates that would work best for you and your firm.

Andrew McIntyre

Regional Vice President – Eastern Region

Zurich Affluent Markets Group

Mobile: 631-599-2270

Email: [email protected]

Web: affluentmarkets.zurichna.com

For Agent and Broker Information Only. Not for Use with Clients or the Public.

All Index Interest Accounts have Segments. Segments are credited monthly with the Index Interest Account Guaranteed Interest Rate. The remainder of the interest credited is determined at the end of each Segment Term. For the capped funds, the growth rate is then multiplied by the Segment’s Participation Rate and capped at the Segment’s Growth Cap. For the uncapped funds, the growth rate is multiplied by the Segments Participation Rate then minus the Index Spread Rate. The final interest crediting rate is this calculated amount minus the Index Interest Account Guaranteed Interest Rate. Participation Rates, Growth Caps, and Index Spread Rate are determined by the Company, but they cannot be less than the amounts guaranteed in the Policy’s contract.

In all states other than New York, the terms and conditions for the Flexible Premium Adjustable Life Insurance Policy with Index-Linked Interest Options (ICC18-LPIUL-02) are set forth in the policy form number shown, or applicable. The terms and conditions for the No Lapse Guarantee Rider for the Flexible Premium Adjustable Life Insurance Policy with Index-

Linked Interest Options are set forth in policy form number ICC18-LPNLG-01, or applicable state variation. The policy is issued by Zurich American Life Insurance Company, an Illinois domestic life insurance company, located at its registered home address of 1299 Zurich Way, Schaumburg, IL 60196. 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. The death benefits are guaranteed according to the terms of the policy and riders and provided that premiums are paid.

Certain coverages may not be available in all states and policy provisions may vary by state.

Zurich Insurance Company does not offer products for sale in the United States.

2020-14-A