Insurance Plans Available in Zurich Insurance Company Singapore

Zurich Insurance Company Singapore – My Comprehensive Breakdown of Their Business & Life-Linked Insurance Solutions

When we talk about strong global insurers with a reputation for corporate strength and risk intelligence, Zurich Insurance Company Singapore stands tall. Backed by over 150 years of insurance heritage and headquartered in Switzerland, Zurich is known for offering well-structured insurance plans, especially in life insurance, investment-linked coverage, and corporate risk management.

What makes Zurich Singapore unique is their focus on long-term life planning and specialised business coverage, often working closely with high-net-worth clients, corporates, and professional advisors. If you’re looking for sophisticated protection—either for your portfolio or your enterprise—Zurich offers dependable, tailored solutions.

Here’s my full blog-style review of all major insurance offerings from Zurich Insurance Singapore, designed to be easy to follow yet deeply insightful.

🧑‍💼 1. Life Insurance & Wealth Solutions

Zurich has withdrawn from the retail market in Singapore in recent years, but continues to serve existing policyholders and institutional partners through legacy life insurance products and wealth management solutions.

✅ Investment-Linked Insurance Plans (ILPs)

• Combines life insurance with investment potential

• Part of the premium goes into a range of investment funds

• Offers:

  • Death benefit payout

  • Investment flexibility across global funds

  • Optional riders for critical illness or premium waiver

• Policyholders can switch funds based on risk appetite

Best for: High-net-worth individuals and long-term investors seeking global exposure with life protection.

✅ Legacy Planning & Succession Solutions

• Designed for:

  • Family offices

  • Wealth preservation for next generation

• Life coverage is structured with premium financing, trust setups, and tax-efficient benefits

✅ Private Placement Life Insurance (PPLI)

• Bespoke life insurance structures for HNW clients

• Enables:

  • Estate planning

  • Tax deferral

  • Asset protection through insurance wrapper

• Includes access to global portfolios managed by appointed wealth advisors

Why it’s appealing: These plans aren’t off-the-shelf—they are tailor-made for clients with cross-border wealth and complex financial needs.

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🏢 2. Corporate Risk Insurance

Zurich Singapore also focuses on commercial and institutional coverage, with key solutions that protect large-scale businesses and industries.

✅ Property & Casualty Insurance

• Protects buildings, assets, and equipment

• Includes:

  • Business interruption cover

  • Machinery breakdown

  • Loss of profits

✅ Engineering & Construction Insurance

• Contractor’s All Risks (CAR)

• Erection All Risks (EAR)

• Civil engineering completed risks

• Advanced loss of profits (ALOP) options

✅ Marine & Logistics Insurance

• For logistics operators, manufacturers, exporters

• Includes:

  • Marine cargo

  • Marine hull & liability

  • Inland transit

✅ General Liability Insurance

• Public liability

• Product liability

• Employers’ liability

• Environmental liability

✅ Financial Lines

• Directors & Officers (D&O) Liability

• Employment Practices Liability (EPL)

• Crime insurance

• Professional Indemnity (PI) for consultants, legal, and financial professionals

✅ Multinational Program Management

• Zurich is strong in creating globally coordinated insurance programs for companies operating across countries

• Ensures compliance in each jurisdiction with single master policy framework

🏥 3. Employee Benefits & Group Life

Zurich partners with corporate clients to offer employee benefits solutions, including:

✅ Group Term Life

• Lump sum payout on death or total permanent disability

✅ Group Critical Illness

• Pays out if employee is diagnosed with a major critical illness

✅ Group Personal Accident

• Worldwide protection for accidental injury, disablement, or death

✅ Group Income Protection

• Monthly income replacement during long-term disability

Why it’s valuable: These group plans help companies attract and retain top talent, while protecting employees and their families.

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🌱 4. Sustainability & ESG Insurance Frameworks

Zurich is at the forefront of integrating Environmental, Social, and Governance (ESG) factors into its insurance offerings:

• Insurance for renewable energy projects

• ESG-aligned underwriting for corporates

• Sustainable investing for life policy funds

This is a rising trend, especially for businesses with sustainability mandates or ESG targets.

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📱 What Makes Zurich Singapore Stand Out?

• Part of one of the world’s largest and most stable insurance groups

• Deep experience in cross-border wealth protection

• Strong reinsurance support and financial backing

• Expertise in tailor-made corporate solutions

• Preferred by family offices, corporates, and institutional clients

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✨ Final Thoughts – Why I Consider Zurich Singapore a Quiet Powerhouse in Insurance

While Zurich may no longer actively sell new retail products in Singapore, their existing life plans, global investment solutions, and enterprise risk offerings remain incredibly relevant for clients with complex, long-term goals.

For businesses looking to secure their operations and professionals managing wealth or legacy structures, Zurich provides deep technical expertise and bespoke protection that few others can match.

If you're someone who wants global strength, quiet performance, and intelligent insurance planning, Zurich Singapore offers a powerful, long-term partnership.

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🔗 Official Website: https://www.zurich.com.sg