What we protect - our products

Group life and group personal accident coverage.

Compulsory coverages (LCT, Convenios) as well as employee benefits:

• Total and permanent disability
• Accidental death and partial losses
• Transplants
• Advanced payment in case of critical diseases
• Posthumous child

Voluntary benefits also available.

• Group life, disability and personal accident solutions for employees.
• Group pensions, either VGBL or PGBL, specially designed for your employees with a range of investment options, custom implementation and high service standards.
• Tailor-made plans offering flexible solutions.

• Group life, disability and personal accident solutions for employees.
• A variety of group health coverage, complementary, catastrophic and dental.
• Tailor-made plans offering flexible solutions.
• Pre packaged plans for Small and Medium Enterprises.

TEAM® Product:

• German group life and disability coverage for all employees.
• Single plan with a short contract term and simple and fast administration.
• The ability to set up different groups with different coverage levels.
• No health examination, high Automatic Acceptance Limits (AAL), with no pre-existing conditions.

Pension funds:

• Platform for the outsourcing of internal pension liabilities.
• In return for the tax-free transferal of assets the pension fund assumes the obligations.
• Benefits as defined in sponsor plan remain unchanged.
• With more than 160 companies and more than 17,000 beneficiaries the Deutscher Pensions funds AG (DPAG) is one of the market leaders in Germany.

Direct pension insurance (Direktversicherung):

• Most popular corporate pension vehicle in Germany.
• Accumulation phase with innovative investment model (Individualized Constant Proportion Portfolio Insurance, ICPPI) and annuity phase with guaranteed benefit.
• The ability to include a disability rider.
• Direct pension plans can be financed by the employer, the employee or both.
• Tax advantages.

• Insured DC
• Investment only
• Group life and disability
• Bulk annuities
• Group Personal Retirement Bonds

Group life - protection:

• Group life with or without total permanent disability for executives, managers and employees
• Group death (with or without total permanent disability) for board members and key man
• Possibility to cover death by illness only Group Activities of Daily Living (ADL) based disability product.

Savings and investments:

• End of service indemnity coverage for board members and employees.
• Insurance-based investment products for companies willing to diversify their investment portfolio.

Pension funds:

• Group pension funds dedicated to companies, banks, etc. offered on a standalone basis or as a top up to other funds.

Group life and disability with critical illness and medical rider coverage for groups with a minimum of 10 employees that are Malaysia based.

Flexible capacity to set up variable group compositions with different sums insured.

• Life and disability
• Medical expenses
• Group personal accident (GPA)

Group life, disability and absence management products and solutions

• Absence management
• Federal and state leaves management
• Americans with Disabilities Act (ADA) services
• Self-administration (SAAS)
• Integrated disability management (IDM) with workers’ compensation
• Group life (featuring accidental death and dismemberment)
• Long-term disability (LTD) – insured or ASO
• Short-term disability (STD) – insured or ASO
• Captive solutions for employee benefits
• International coverage for expatriates

Learn more about our absence management, IDM, group insurance and captive products and solutions in North America.

Group protection:

• Group life and disability coverage (including by any cause and by accident).

Retirement:

• Corporate pensions plan
• Group life retirement

• Swiss pension fund solutions.
• Bundled pension and risk solutions within joint foundations for small and medium sized companies (always covering the legally required benefits).
• Modular risk, administration and asset management solutions for company-owned pension funds.
• Possible risk coverages include group life, disability and longevity.
• Broad offering of additional services such as care and case management.

Zurich Corporate Risk provides group life and income protection solutions to help employers protect their employees and their families in the event of death, illness or injury.

Longevity hedge solution (i.e. to provide trustees of defined benefit pension schemes with insurance in case their current pensioners in payment live longer than expected).