Does Zurich insurance sell life insurance?

Zurich North America sells a variety of life insurance policies, including:

Whole Life: Zurich's whole life policies provide coverage for the entire life of the insured - as long as premiums are paid. With a whole life policy, Zurich will pay out a specific amount (the death benefit) to the insured's beneficiary whenever they die. Unlike term life policies, Zurich's whole life insurance does not have an expiration date. This type of policy also features a savings element for the policyholder.

Term Life: With term life policies, Zurich provides coverage for a specific time frame, or "term." If the insured dies during this timeframe, Zurich will pay the beneficiary the death benefit. However, if the insured outlives the term, coverage ends. Zurich offers a variety of term policies, ranging from 10 to 30-year terms.

Universal Life: Zurich's universal life policies give the policyholder added flexibility in adjusting their coverage over time. With universal life, the policyholder has the option of increasing or decreasing the death benefit and varying the premium payments. There are also options to add riders that enhance coverage.

Indexed Universal Life: Zurich's indexed universal life policies are similar to universal life policies, but they feature a unique way to adjust the cash value component. The cash value grows based on the performance of a market index, such as the S&P 500. Policyholders can enjoy potential upside, but there is also the risk of losing money if the index performs poorly.

Variable Universal Life: Zurich's variable universal life policies offer the flexibility of universal life combined with the potential for growth in the policy's cash value. The policyholder can allocate the cash value to a range of investment options, such as stocks, bonds, or mutual funds. With variable universal life, the policyholder has more control over the cash value's performance, but there is also the risk of losing money if investments decrease.

Zurich also offers other types of insurance products, such as home, auto, and business insurance.