Zurich American Life

Zurich American Life Insurance Company operates within the broader Zurich Insurance Group ecosystem, bringing a global insurer's capital and risk-management culture into U.S. life and employee-benefit markets. Zurich's corporate history describes founding in 1872 and early roots in marine reinsurance, followed by expansion into other lines such as accident insurance in the 1870s.[1] That long history matters because reinsurance and risk pooling are foundational to modern life insurance economics, especially for products that must perform across decades.

Zurich Insurance Group also publishes an overview of financial strength and issuer credit ratings for key subsidiaries, reflecting the role of ratings and capital strength in winning institutional and employer relationships.[2] In competitive group markets, credibility with plan sponsors often depends as much on financial strength, claims service, and administration as on price.

Through major global disruptions (wars, inflation, and modern market volatility), Zurich's opportunity has been leveraging diversification and disciplined underwriting to support offerings in many countries and product lines. For Zurich American Life, that translates into competing where employers value stability and long-term commitment in the benefits promised to employees, with risk-management practices informed by a long global history.[1][2] In benefits markets, long-term relationships with employers are often won by consistent claims service and financial strength over multiple business cycles, not just by short-term premium competitiveness.

Sources: [1] https://www.zurich.com/about-us/our-history ; [2] https://www.zurich.com/investor-relations/ratings