Zurich Insurance Group is a global insurance company established in 1872 with over 60,000 employees worldwide. The document provides an overview of Zurich's global presence in key regions including Europe, North America, Latin America, Africa, and Asia-Pacific. It also summarizes Zurich's financial strength, international ratings and rankings, and its presence in Malaysia through Zurich Insurance Malaysia Berhad. The opportunities for growth in the Malaysian insurance market are highlighted. The document concludes by outlining Zurich's career opportunities and support for insurance advisors.

1. Making your dreams
come true

2. Zurich
The Global
Insurer
Z

3. Z
About Zurich Insurance Group
• Established in 1872, the Group is headquartered in
Zurich, Switzerland
• One of the world’s leading insurance groups
• Over 60,000 employees
• Representation in over 170 countries

4. Z
Europe
Global Presence
Zurich takes a pan-European
approach in the region, anchored
by major operations in Germany,
Italy, Spain, Switzerland and the
United Kingdom.
A
North America
E
B
Zurich is the third largest
commercial insurer in the U.S.,
as well as its third largest personal
lines insurer through Farmers.
Latin America
D
Emerging markets is the key to
Zurich’s strategy for growth.
Acquisitions in leading Latin American
markets demonstrate the Group’s
commitment to working in these
thriving environments.
Africa
C
From marine and aviation insurance
to micro-insurance that can reach
the poor, Zurich offers a range of
propositions and solutions to match
Africa’s diversity of individual,
commercial and corporate needs.
Asia-Pacific /Middle East
Zurich, a long-standing presence in
traditional markets such as Australia
and Japan, is building its profile in
Greater China, Malaysia, Indonesia,
Singapore and other regional markets
to fuel further profitable growth.

5. Z
Financial Strength
USD
4.3bn
Business operating profit
(for the year ended
31 December, 2011)
AA-/stable
Standard & Poor’s
financial strength rating
Group, March 2011
USD
31.6 bn
Shareholder’s equity
(for the year ended
31 December, 2011)

6. Z
International Rating/Ranking
• Zurich in top 100 global brands of 2011 (Interbrand)
• #2 most-admired company in property and casualty
insurance and is a Fortune Global 500 (Fortune)
• Zurich named Best Overall Commercial Insurer
(National Underwriter)
• University of Farmers is rated the #1 Corporate
University (Training) and its leader is rated Learning
Professional of the Year (SkillSoft)
• Life Insurer of the Year and Energy Insurer of the Year
(Middle East and North Africa Insurance Review)
• Claims services receive honours in Germany (TÜV SÜD)
and Switzerland (Esprix)
Fortune Global
500 company
• Zurich Japan is the #1 in customer satisfaction in the
Japanese general insurance sector (Japanese Customer
Satisfaction Index 2011 Survey)

7. Z
About Zurich Insurance
Malaysia Berhad
• Established in 1968, formerly known as
Malaysian Assurance Alliance Berhad
• Headquartered in Kuala Lumpur, provides Life and
General Insurance
• Presence in Malaysia with 39 branches nationwide
• Strong distribution forces with 4,600 life agents and
3,000 general insurance agents

8. Z
Malaysia Presence
• Strong presence in Malaysia with 39 branches nationwide

9. Understanding
the world
around you.
U

10. U
The Market Potential is
TREMENDOUS in Malaysia
• 10% growth in life insurance seen
( The Star, December 17, 2011)
• Life insurance industry to grow by between 7% -10%
( The Star, March 19, 2012)
• Life insurers upbeat on growth next year, spurred by
the current low penetration rates
( Malaysian Reserve, October 31, 2011)
• More youths want insurance
( The Star, August 10, 2011)
• Only 42% are insured within the insurance market
( Nanyang Press, September 9, 2011)

11. U
Government Supporting
the Industry - Tax Relief
• Tax Relief of RM6,000 for Life Insurance & EPF
• Tax Relief of RM3,000 for Education &
Medical Insurance
• Tax Relief of RM3,000 for Annuity &
Private Retirement Scheme
• Source:
Press release by Life Insurance Association of
Malaysia (LIAM), October 7, 2010
New Straits Times, October 8, 2011
Berita Harian, October 8, 2011

12. U
Growing Opportunities in
the Young Market
Age Structure
Total
Population
2010:
28.4 Million
0–9
10 – 19
20 – 29
30 – 39
40 – 49
50 – 59
60 – 69
70 Above
• Age 20 – 39 : 33%
• Age 40 – 49 : 13%
Source: Department of Statistics, Malaysia
(17%)
(19%)
(17%)
(16%)
(13%)
(10%)
(5%)
(3%)

13. Realise
your
potential
R

14. R
Career Path
Group Agency Manager
Potential Annual Income
RM350k and above
Agency Manager
Potential Annual Income
RM150k and above
Executive Advisor
Potential Annual Income
RM90k and above
Sales Advisor
Potential Annual Income
RM60k and above

15. R
RM
1,000,000
RM990,000
RM
800,000
RM
600,000
RM620,000
RM
400,000
Exponential Income Growth
Agency Development Benefits
Production Bonus
Renewal Commission
Basic Commission
Assumption:
RM300,000
RM
200,000
RM200,000
RM148,000
RM59,000
0
Year 1 Year 2 Year 3 Year 4 Year 5 Year 6
i) Personal sales every year: 48 cases, RM2,400 FYP per case
ii) Year 1 RM100k FYP, promoted to Executive Advisor within
6 months
iii) Year 2 & Year 3 RM500k GFYP, promoted to Agency Manager
on Year 3
iv) Year 4 RM1million GFYP
v) Year 5 RM2million GFYP, promoted to Group Agency Manager
vi) Year 6 RM3million GFYP

16. R
Industry Income Comparison
Income
Other Industries
Insurance Industry
• Personal income
• Group income
• Renewal income
Career
Senior
Working
Experience:
10 years & above
(RM)
24,000- 48,000
60,000-120,000
150,000-1,000,000
Professionals
24,000 -36,000
42,000-78,000
240,000-480,000
Executives
Source: Department of Statistics, Malaysia
Semi Senior
Working
Experience:
5 years & above
(RM)
Insurance
Consultants
Time
Junior
Working
Experience:
1- 4 years
(RM)
22,000 -30,000
36,000-60,000
120,000-240,000

17. I Believe...
I

18. I
The Concept Of Life Insurance
Whatever the situation or need, being insured provides
an individual and their loved ones a safety net.
Income
Replacement
Child Education
Fund
Medical
Coverage
Disability Income
Retirement Fund

19. I
Income Replacement
With income replacement, one can be assured that the
well-being of their loved ones will continue to be taken
care of in the event of death or permanent disability of
the primary income provider.

20. I
Child Education Fund
With income saved into a fund, one can rest assured
that their child’s future education costs are covered.

21. I
Medical Coverage
With medical coverage, the escalating medical
costs shouldn’t be the main worry when one needs
to be hospitalised.

22. I
Disability Income
A disability income plan protects oneself from financial
difficulties in the event of an accident or illness.

23. I
Retirement Fund
A retirement fund helps one sit back,
relax and enjoy their golden years.

24. I
Life Insurance Is
A Noble Profession
Because we provide solutions to those
in need financially.

25. Chart your
own destiny
C

26. C
Build Your Own Business
Zurich offers you an opportunity to build your
own business with unlimited income potential.

27. C
Make Your Dreams Come True
With Zurich, you’re on your way to making your dreams
a reality. So start making a list of your dreams today!

28. C
Quality Lifestyle
With Zurich, you work hard towards achieving
a high quality lifestyle.

29. C
Awards and Recognition
Zurich believes in rewarding you for your achievements
and success. From rankings, special awards to incentive
trips, each achievement is celebrated with pride.

30. C
Lifelong Learning
With Zurich you are on a continuous, lifelong learning
mode. You learn as an individual and in a group,
and grow together in a positive environment. What you
have learned will be put into practice and at the end
of the day the rewards are yours to reap.

31. Here
you begin...
H

32. H
You Are Not Alone
At Zurich, we work as a team to help individual
Sales Advisors build their business. Being a leader in
the insurance industry, Zurich has a wealth of expertise
and resources that you can leverage on to help you.
• Training and development provided
• Mentoring
• Joint field work
• Regular agency meetings and activities

33. H
Agency Training and Activity
As an advisor, you will be guided every step of the way.
We provide you with a list of agency training and
activities to build your knowledge, confidence and
presentation skills on how to succeed in your business.

34. H
Incentives and Rewards
We believe in celebrating with achievers. Advisors who
achieve outstanding performance in building their
business will be rewarded with incentive trips, bonuses,
recognition and awards.

35. H
Performance Academy
Advisor
Development Faculty
Leader
Effectiveness Faculty
Personal
Effectiveness Faculty
Secrets of Success Program
Agency Management Workshop
Moving Forward
Advisor Effectiveness Program
Basic Agency Management Course
The 7 Habits of Highly
Effective People
Peak Performance Camp
Leader Effectiveness Program
Essential of Great Leaders

36. H
“The journey of a
thousand miles begins
with a single step.”
~Lao Tzu~

37. H
Join the Zurich
global family today
and start realizing your
dreams!